First Ctzns Bancshares Inc N C Financials

FCNCA

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Key Financial Metrics

Revenue

$9.8B

YoY-48.1%

5Y CAGR+47.4%

10Y CAGR+29.1%

First Ctzns Bancshares Inc N C generated $9.8B in revenue in fiscal year 2024. This represents a decrease of 48.1% from the prior year.

EBITDA

N/A

Free Cash Flow

$2.6B

YoY+13.5%

5Y CAGR+41.1%

10Y CAGR+38.4%

First Ctzns Bancshares Inc N C generated $2.6B in free cash flow in fiscal year 2024, representing cash available after capital expenditures. This represents an increase of 13.5% from the prior year.

Net Income

$2.8B

YoY-75.8%

5Y CAGR+43.4%

10Y CAGR+35.0%

First Ctzns Bancshares Inc N C reported $2.8B in net income in fiscal year 2024. This represents a decrease of 75.8% from the prior year.

EPS (Diluted)

$189.41

YoY-75.9%

First Ctzns Bancshares Inc N C earned $189.41 per diluted share in fiscal year 2024. This represents a decrease of 75.9% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$6.87

YoY+76.6%

5Y CAGR+33.8%

10Y CAGR+19.1%

First Ctzns Bancshares Inc N C paid $6.87 per share in dividends in fiscal year 2024. This represents an increase of 76.6% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.5%

YoY-32.6pp

5Y CAGR-4.1pp

10Y CAGR+10.2pp

First Ctzns Bancshares Inc N C's net profit margin was 28.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 32.6 percentage points from the prior year.

Return on Equity

12.5%

YoY-41.4pp

5Y CAGR-0.3pp

10Y CAGR+7.3pp

First Ctzns Bancshares Inc N C's return on equity was 12.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 41.4 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$1.6B

5Y CAGR+29.5%

First Ctzns Bancshares Inc N C spent $1.6B on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$429.0M

YoY+5.9%

5Y CAGR+28.8%

10Y CAGR+17.9%

First Ctzns Bancshares Inc N C invested $429.0M in capital expenditures in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 5.9% from the prior year.

FCNCA Income Statement

Metric	FY24	FY24	FY24	FY21	FY22	FY21
Revenue	$9.8B-48.1%	$18.8B+269.7%	$5.1B+250.2%	$1.5B-2.2%	$1.5B+5.7%	$1.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.2B+41.6%	$3.7B+687.8%	$467.0M+665.6%	$61.0M-36.5%	$96.0M+3.6%	$92.6M
Income Tax	$815.0M+33.4%	$611.0M+131.4%	$264.0M+71.4%	$154.0M+22.2%	$126.0M-6.4%	$134.7M
Net Income	$2.8B-75.8%	$11.5B+944.3%	$1.1B+100.7%	$547.0M+11.2%	$492.0M+7.6%	$457.4M
EPS (Diluted)	$189.41-75.9%	$784.51+1064.0%	$67.40+25.1%	$53.88+13.4%	$47.50	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$2.4B+2.5%	$2.4B+3.3%	$2.3B	N/A	$2.4B-0.6%	$2.5B+0.7%	$2.4B	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.3B+1.1%	$1.3B+1.5%	$1.2B	N/A	$1.3B+2.5%	$1.3B+3.3%	$1.3B	N/A
Income Tax	$183.0M0.0%	$183.0M+8.9%	$168.0M	N/A	$234.0M-14.0%	$272.0M-0.4%	$273.0M	N/A
Net Income	$568.0M-1.2%	$575.0M+19.0%	$483.0M	N/A	$639.0M-9.6%	$707.0M-3.3%	$731.0M	N/A
EPS (Diluted)	$43.08+1.7%	$42.36+22.9%	$34.47	N/A	$43.42-8.7%	$47.54-3.5%	$49.26	N/A

FCNCA Balance Sheet

Metric	FY24	FY24	FY24	FY21	FY22	FY21
Total Assets	$223.7B+4.7%	$213.8B+95.6%	$109.3B+87.4%	$58.3B+16.7%	$50.0B+25.4%	$39.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	$9.0B+111.5%	$4.3B+1033.5%	$376.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	$862.0M	N/A	N/A
Goodwill	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M-1.1%	$350.0M+0.2%	$349.4M
Total Liabilities	$201.5B+4.7%	$192.5B+93.2%	$99.6B+86.0%	$53.6B+17.2%	$45.7B+26.2%	$36.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$36.7B-1.3%	$37.2B+733.6%	$4.5B+273.1%	$1.2B-4.3%	$1.2B+112.0%	$588.6M
Total Equity	$22.2B+4.6%	$21.3B+120.0%	$9.7B+103.9%	$4.7B+12.0%	$4.2B+17.9%	$3.6B
Retained Earnings	$19.4B+15.6%	$16.7B+210.5%	$5.4B+23.2%	$4.4B+13.2%	$3.9B+5.7%	$3.7B

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$233.5B+1.7%	$229.7B+0.4%	$228.8B+2.3%	$223.7B+1.4%	$220.6B+0.3%	$219.8B+0.9%	$217.8B+1.9%	$213.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M
Total Liabilities	$211.5B+2.0%	$207.4B+0.4%	$206.5B+2.5%	$201.5B+1.9%	$197.7B+0.2%	$197.3B+0.7%	$196.0B+1.8%	$192.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$38.3B+1.6%	$37.6B-0.8%	$38.0B+3.5%	$36.7B-0.2%	$36.8B-0.8%	$37.1B-0.2%	$37.1B-0.1%	$37.2B
Total Equity	$22.0B-1.4%	$22.3B0.0%	$22.3B+0.3%	$22.2B-2.6%	$22.8B+1.5%	$22.5B+2.9%	$21.8B+2.8%	$21.3B
Retained Earnings	$20.9B+2.6%	$20.3B+2.7%	$19.8B+2.3%	$19.4B+3.5%	$18.7B+3.3%	$18.1B+3.8%	$17.4B+4.1%	$16.7B

FCNCA Cash Flow Statement

Metric	FY24	FY24	FY24	FY21	FY22	FY21
Operating Cash Flow	$3.0B+12.3%	$2.7B-4.7%	$2.8B+1082.7%	-$284.0M-175.5%	$376.0M-35.0%	$578.2M
Capital Expenditures	$429.0M+5.9%	$405.0M+161.3%	$155.0M+44.9%	$107.0M-19.5%	$133.0M+9.8%	$121.1M
Free Cash Flow	$2.6B+13.5%	$2.3B-14.5%	$2.6B+774.2%	-$391.0M-260.9%	$243.0M-46.8%	$457.2M
Investing Cash Flow	-$10.2B-518.1%	$2.4B+3138.7%	$75.0M+101.0%	-$7.6B+23.6%	-$9.9B-520.7%	-$1.6B
Financing Cash Flow	$7.1B+250.5%	-$4.7B-74.9%	-$2.7B-134.3%	$7.8B-17.7%	$9.5B+791.8%	$1.1B
Dividends Paid	$158.0M+35.0%	$117.0M+41.0%	$83.0M+97.6%	$42.0M+40.0%	$30.0M+65.4%	$18.1M
Share Buybacks	$1.6B	$0-100.0%	$1.2B	$0-100.0%	$334.0M-26.3%	$453.1M

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$98.0M	N/A	N/A	N/A	$461.0M	N/A
Capital Expenditures	N/A	N/A	$103.0M	N/A	N/A	N/A	$94.0M	N/A
Free Cash Flow	N/A	N/A	-$5.0M	N/A	N/A	N/A	$367.0M	N/A
Investing Cash Flow	N/A	N/A	-$4.9B	N/A	N/A	N/A	-$4.3B	N/A
Financing Cash Flow	N/A	N/A	$4.8B	N/A	N/A	N/A	$3.6B	N/A
Dividends Paid	N/A	N/A	$42.0M	N/A	N/A	N/A	$39.0M	N/A
Share Buybacks	N/A	N/A	$618.0M	N/A	N/A	N/A	$0	N/A

FCNCA Financial Ratios

Metric	FY24	FY24	FY24	FY21	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.5%-32.6pp	61.0%+39.4pp	21.6%-16.1pp	37.7%+4.5pp	33.1%+0.6pp	32.6%
Return on Equity	12.5%-41.4pp	53.9%+42.6pp	11.4%-0.2pp	11.5%-0.1pp	11.6%-1.1pp	12.8%
Return on Assets	1.2%-4.1pp	5.4%+4.4pp	1.0%+0.1pp	0.9%-0.0pp	1.0%-0.2pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.65-0.1	1.75+1.3	0.46+0.2	0.25-0.0	0.30+0.1	0.16
FCF Margin	26.2%+14.2pp	12.0%-39.9pp	51.9%+78.8pp	-27.0%-43.3pp	16.4%-16.2pp	32.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.4%-0.9pp	24.2%+3.2pp	21.0%	N/A	26.1%-2.6pp	28.7%-1.2pp	29.9%	N/A
Return on Equity	2.6%0.0pp	2.6%+0.4pp	2.2%	N/A	2.8%-0.3pp	3.1%-0.2pp	3.4%	N/A
Return on Assets	0.2%-0.0pp	0.3%+0.0pp	0.2%	N/A	0.3%-0.0pp	0.3%-0.0pp	0.3%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.74+0.1	1.69-0.0	1.70+0.1	1.65+0.0	1.61-0.0	1.65-0.1	1.70-0.0	1.75
FCF Margin	N/A	N/A	-0.2%	N/A	N/A	N/A	15.0%	N/A

Frequently Asked Questions

What is First Ctzns Bancshares Inc N C's annual revenue?

First Ctzns Bancshares Inc N C (FCNCA) reported $9.8B in revenue for fiscal year 2024.

How fast is First Ctzns Bancshares Inc N C's revenue growing?

First Ctzns Bancshares Inc N C (FCNCA) revenue declined by 48.1% year-over-year, from $18.8B to $9.8B in fiscal year 2024.

Is First Ctzns Bancshares Inc N C profitable?

Yes, First Ctzns Bancshares Inc N C (FCNCA) reported a net income of $2.8B in fiscal year 2024, with a net profit margin of 28.5%.

What is First Ctzns Bancshares Inc N C's earnings per share (EPS)?

First Ctzns Bancshares Inc N C (FCNCA) reported diluted earnings per share of $189.41 for fiscal year 2024.

What is First Ctzns Bancshares Inc N C's net profit margin?

First Ctzns Bancshares Inc N C (FCNCA) had a net profit margin of 28.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does First Ctzns Bancshares Inc N C pay dividends?

Yes, First Ctzns Bancshares Inc N C (FCNCA) paid $6.87 per share in dividends during fiscal year 2024.

What is First Ctzns Bancshares Inc N C's return on equity (ROE)?

First Ctzns Bancshares Inc N C (FCNCA) has a return on equity of 12.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is First Ctzns Bancshares Inc N C's free cash flow?

First Ctzns Bancshares Inc N C (FCNCA) generated $2.6B in free cash flow during fiscal year 2024, representing cash available after capital expenditures.

What is First Ctzns Bancshares Inc N C's operating cash flow?

First Ctzns Bancshares Inc N C (FCNCA) generated $3.0B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are First Ctzns Bancshares Inc N C's total assets?

First Ctzns Bancshares Inc N C (FCNCA) had $223.7B in total assets as of fiscal year 2024, including both current and long-term assets.

What are First Ctzns Bancshares Inc N C's capital expenditures?

First Ctzns Bancshares Inc N C (FCNCA) invested $429.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does First Ctzns Bancshares Inc N C buy back shares?

Yes, First Ctzns Bancshares Inc N C (FCNCA) spent $1.6B on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is First Ctzns Bancshares Inc N C's debt-to-equity ratio?

First Ctzns Bancshares Inc N C (FCNCA) had a debt-to-equity ratio of 1.65 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Ctzns Bancshares Inc N C's return on assets (ROA)?

First Ctzns Bancshares Inc N C (FCNCA) had a return on assets of 1.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.