profit from every $100 of sales.
$0$100
First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E
$22.36+0.22% today
-10.1% since Jan 30, 26
1-year low $21.821-year high $25.55
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $0.13 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E sold, what it kept, and what it did with the cash.
Sales went from $4.53 billion in 2022 to $9.25 billion in 2025, with $2.21 billion of profit last year.
SalesProfit
First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E handed back more cash to shareholders than it generated last year.
Buybacks $3.0B
Free cash flow 2025$1.4B
Bought back its own shares$3.0B
Paid as dividends$161M
Cash vs. debt$20.6B vs. $36.1B
First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E vs. similar companies
First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | 0.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,526 | 8,754 | 9,500 | 9,252 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 1,098 | 11,466 | 2,777 | 2,206 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 24.3% | 131.0% | 29.2% | 23.8% |
Balance sheet
| In millions | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 109,298 | 213,758 | 223,720 | 229,698 |
| Cash | 5,543 | 34,517 | 22,178 | 20,602 |
| Total debt | 6,561 | 37,565 | 37,041 | 36,113 |
| Total liabilities | 99,636 | 192,503 | 201,492 | 207,460 |
| 9,662 | 21,255 | 22,228 | 22,238 | |
| – | – | – | – | |
| – | – | – | – | |
| 11.4% | 53.9% | 12.5% | 9.9% |
Cash flow
| In millions | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,791 | 2,660 | 2,988 | 2,923 | |
| 926 | 1,428 | 1,535 | 1,562 | |
| 1,865 | 1,232 | 1,453 | 1,361 | |
| Dividends paid | 83 | 117 | 158 | 161 |
| 1,240 | 0 | 1,648 | 3,027 | |
| 19 | 5 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 0.1×
- –
- –
- 0.0×
- 1.5×
- 774.1%
- 2.4%
Profitability
- 23.8%
- 1.0%
- 8.5%
- 10.2%
- 1.0%
Growth
- +26.9%
- –
- –
- +7.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 25%of 852
Bottom 47%of 733
Top 1%of 863
Top 17%of 860
Top 50%of 920
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 44.86 | 39.56 | +13.4% |
| Jan 23, 2026 | 0.51 | 0.44 | +16.5% |
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
7.3% of its profit
Room to growStretchedMore than it earns: 11.8%
News
Budget airlines are going upscale with first-class seats and faster wifiMarketWatch · Nov 13, 2026I am turning 18 next month and want to start investing. What do I do first?MarketWatch · Nov 13, 2026Trump administration is hiring debt collectors to go after defaulted student-loan borrowers for first time in 6 yearsMarketWatch · Nov 13, 2026Better U.S. Bank ETF: State Street's KBE vs. First Trust's FTXOYahoo Finance · Nov 13, 2026I’m 17 and will be a first-generation college student. Is law school worth being $200,000 in debt?MarketWatch · Nov 12, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
45No pass
Benjamin Graham
91Pass
Philip Fisher
61Pass
Peter Lynch
85Pass
Joel Greenblatt
23No pass
Charlie Munger
44No pass
Terry Smith
44No pass
Questions about First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E
Is First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E AI analysis
What does First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E do?
First Citizens BancShares, Inc. is a bank holding company, which provides retail and commercial banking services through its subsidiaries. The company operates under the following segments: General Banking, Commercial Banking, Rail, and Corporate. It is in Banks - Regional.
Does First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 7% of its yearly profit. In 2025 it paid out $161 million in dividends.
Is First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E stock halal?
No. First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E does not pass our halal screen: its main business, banking, is not permitted. How we check
Who are First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.