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 $165.24 for fiscal year 2025. This represents a -12.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Ctzns Bancshares Inc N C Financials

FCNCA

FY2025 annual

Revenue $9.5B -2.2% YoY

Net Income $2.2B -20.6% YoY

EPS (Diluted) $165.24 -12.8% YoY

Free Cash Flow $2.2B -13.5% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

First Ctzns Bancshares Inc N C (FCNCA) reported $9.5B in revenue for fiscal year 2025, down 2.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FCNCA FY2025 2026-05-08

Profitability has normalized sharply, but cash generation remains steadier, revealing a still-expanding asset base funded largely by liabilities.

Between FY2023 and FY2025, net income normalized from $11.5B to $2.2B. Yet operating cash flow stayed close to $2.9B, which implies the earnings step-down came more from a thinner spread between revenue and funding/operating costs than from a comparable deterioration in cash production.

FY2025 share repurchases of $3.0B exceeded net income of $2.2B. That helps explain why total equity was essentially flat near $22.2B even as retained earnings kept rising: capital was being sent out faster than the balance sheet was thickening.

From FY2023 to FY2025, total assets rose from $213.8B to $229.7B. Over the same stretch, return on assets fell from 5.4% to 1.0%, so the larger asset base is now delivering much less profit per dollar of assets. Debt-to-equity eased from 1.7x to 1.6x, so the weaker asset productivity was not offset by materially more balance-sheet leverage.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Ctzns Bancshares Inc N C's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/6

First Ctzns Bancshares Inc N C passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.33x

For every $1 of reported earnings, First Ctzns Bancshares Inc N C generates $1.33 in operating cash flow ($2.9B OCF vs $2.2B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$9.5B

YoY-2.2%

5Y CAGR+45.1%

10Y CAGR+25.7%

First Ctzns Bancshares Inc N C generated $9.5B in revenue in fiscal year 2025. This represents a decrease of 2.2% from the prior year.

Net Income

$2.2B

YoY-20.6%

5Y CAGR+35.0%

10Y CAGR+26.5%

First Ctzns Bancshares Inc N C reported $2.2B in net income in fiscal year 2025. This represents a decrease of 20.6% from the prior year.

EPS (Diluted)

$165.24

YoY-12.8%

First Ctzns Bancshares Inc N C earned $165.24 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 12.8% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$2.2B

YoY-13.5%

5Y CAGR+55.6%

10Y CAGR+31.5%

First Ctzns Bancshares Inc N C generated $2.2B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 13.5% from the prior year.

Cash & Debt

$801.0M

YoY-1.6%

5Y CAGR-28.4%

10Y CAGR+4.1%

First Ctzns Bancshares Inc N C held $801.0M in cash against $35.8B in long-term debt as of fiscal year 2025.

Dividends Per Share

$7.95

YoY+15.7%

First Ctzns Bancshares Inc N C paid $7.95 per share in dividends in fiscal year 2025. This represents an increase of 15.7% from the prior year.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

23.1%

YoY-5.3pp

5Y CAGR-10.0pp

10Y CAGR+1.4pp

First Ctzns Bancshares Inc N C's net profit margin was 23.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.3 percentage points from the prior year.

Return on Equity

9.9%

YoY-2.6pp

5Y CAGR-1.7pp

10Y CAGR+2.6pp

First Ctzns Bancshares Inc N C's ROE was 9.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$3.0B

YoY+83.7%

5Y CAGR+55.4%

First Ctzns Bancshares Inc N C spent $3.0B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 83.7% from the prior year.

Capital Expenditures

$710.0M

YoY+65.5%

5Y CAGR+39.8%

10Y CAGR+23.0%

First Ctzns Bancshares Inc N C invested $710.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 65.5% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

FCNCA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCNCA annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$9.6B	$9.5B-2.2%	$9.8B-48.1%	$18.8B+269.7%	$5.1B+250.2%	$1.5B-2.2%	$1.5B+5.7%	$1.4B+12.7%	$1.2B+12.9%	$1.1B+11.7%	$987.8M+1.9%	$969.2M+27.5%	$760.4M-4.6%	$796.8M-20.7%	$1.0B-1.0%	$1.0B
SG&A Expenses	$3.4B	$3.3B+7.0%	$3.1B+16.8%	$2.6B+87.2%	$1.4B+85.5%	$759.0M+5.1%	$722.0M-34.6%	$1.1B+2.5%	$1.1B+6.4%	$1.0B+8.0%	$937.8M-9.7%	$1.0B+22.4%	$849.1M+10.1%	$771.4M+0.6%	$766.9M-3.3%	$792.9M
Interest Expense	$4.8B	$5.0B-4.7%	$5.2B+41.6%	$3.7B+687.8%	$467.0M+665.6%	$61.0M-36.5%	$96.0M+3.6%	$92.6M+151.4%	$36.9M-15.8%	$43.8M+1.7%	$43.1M-2.8%	$44.3M-12.0%	$50.4M-11.1%	$56.6M-37.2%	$90.1M-37.5%	$144.2M
Income Tax	$804.0M	$765.0M-6.1%	$815.0M+33.4%	$611.0M+131.4%	$264.0M+71.4%	$154.0M+22.2%	$126.0M-6.4%	$134.7M+30.4%	$103.3M-53.0%	$219.9M+75.1%	$125.6M+2.9%	$122.0M+87.6%	$65.0M-36.0%	$101.6M+56.9%	$64.7M-43.8%	$115.1M
Net Income	$2.4B	$2.2B-20.6%	$2.8B-75.8%	$11.5B+944.3%	$1.1B+100.7%	$547.0M+11.2%	$492.0M+7.6%	$457.4M+14.3%	$400.3M+23.6%	$323.8M+43.6%	$225.5M+7.2%	$210.4M+51.8%	$138.6M-17.0%	$166.9M+26.0%	$132.4M-32.1%	$195.0M
EPS (Diluted)	—	$165.24-12.8%	$189.41-75.9%	$784.51+1064.0%	$67.40	$53.88+13.4%	$47.50	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.4B+5.1%	$2.3B-5.1%	$2.4B+0.2%	$2.4B+2.5%	$2.4B+3.3%	$2.3B-4.6%	$2.4B-1.6%	$2.4B
SG&A Expenses	$844.0M-2.9%	$869.0M+2.4%	$849.0M+3.9%	$817.0M+0.9%	$810.0M-1.0%	$818.0M+2.1%	$801.0M+1.6%	$788.0M
Interest Expense	$1.2B+2.6%	$1.2B-4.4%	$1.2B-3.6%	$1.3B+1.1%	$1.3B+1.5%	$1.2B-4.6%	$1.3B-3.7%	$1.3B
Income Tax	$219.0M+28.1%	$171.0M-26.0%	$231.0M+26.2%	$183.0M0.0%	$183.0M+8.9%	$168.0M+366.7%	$36.0M-84.6%	$234.0M
Net Income	$672.0M+25.8%	$534.0M-7.9%	$580.0M+2.1%	$568.0M-1.2%	$575.0M+19.0%	$483.0M-31.0%	$700.0M+9.5%	$639.0M
EPS (Diluted)	$55.52+30.2%	$42.63	N/A	$43.08+1.7%	$42.36+22.9%	$34.47	N/A	$43.42

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

FCNCA Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCNCA annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$229.7B+2.7%	$223.7B+4.7%	$213.8B+95.6%	$109.3B+87.4%	$58.3B+16.7%	$50.0B+25.4%	$39.8B+12.5%	$35.4B+2.6%	$34.5B+4.7%	$33.0B+4.8%	$31.5B+4.7%	$30.1B+41.9%	$21.2B-0.4%	$21.3B+1.4%	$21.0B
Cash & Equivalents	$801.0M-1.6%	$814.0M-10.4%	$908.0M+75.3%	$518.0M-94.3%	$9.0B+111.5%	$4.3B+1033.5%	$376.7M+15.0%	$327.4M-2.6%	$336.1M-37.7%	$539.7M+1.1%	$534.1M-11.6%	$604.2M+13.2%	$533.6M-16.6%	$639.7M+8.3%	$590.8M
Accounts Receivable	N/A	N/A	N/A	N/A	$862.0M	N/A	N/A	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%	$346.0M-1.1%	$350.0M+0.2%	$349.4M+47.8%	$236.3M+56.9%	$150.6M0.0%	$150.6M+7.7%	$139.8M0.0%	$139.8M+36.2%	$102.6M0.0%	$102.6M0.0%	$102.6M
Total Liabilities	$207.5B+3.0%	$201.5B+4.7%	$192.5B+93.2%	$99.6B+86.0%	$53.6B+17.2%	$45.7B+26.2%	$36.2B+13.5%	$31.9B+2.3%	$31.2B+4.1%	$30.0B+4.8%	$28.6B+4.4%	$27.4B+43.2%	$19.1B-1.5%	$19.4B+1.5%	$19.1B
Long-Term Debt	$35.8B-2.5%	$36.7B-1.3%	$37.2B+733.6%	$4.5B+273.1%	$1.2B-4.3%	$1.2B+112.0%	$588.6M+4128.4%	$13.9M-98.4%	$870.2M+4.5%	$832.9M+18.3%	$704.2M+100.4%	$351.3M-31.2%	$510.8M+14.8%	$444.9M-35.3%	$687.6M
Total Equity	$22.2B0.0%	$22.2B+4.6%	$21.3B+120.0%	$9.7B+103.9%	$4.7B+12.0%	$4.2B+17.9%	$3.6B+2.8%	$3.5B+4.6%	$3.3B+10.7%	$3.0B+4.9%	$2.9B+6.9%	$2.7B+29.7%	$2.1B+11.4%	$1.9B-0.1%	$1.9B
Retained Earnings	$20.8B+7.3%	$19.4B+15.6%	$16.7B+210.5%	$5.4B+23.2%	$4.4B+13.2%	$3.9B+5.7%	$3.7B+13.7%	$3.2B+15.5%	$2.8B+12.5%	$2.5B+9.3%	$2.3B+9.5%	$2.1B+6.5%	$1.9B+8.4%	$1.8B+1.1%	$1.8B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$236.8B+0.4%	$236.0B+2.7%	$229.7B-1.6%	$233.5B+1.7%	$229.7B+0.4%	$228.8B+2.3%	$223.7B+1.4%	$220.6B
Cash & Equivalents	$1.5B+40.6%	$1.1B+34.8%	$801.0M-8.4%	$874.0M-1.7%	$889.0M+9.5%	$812.0M-0.2%	$814.0M-5.6%	$862.0M
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	$214.9B+0.5%	$213.9B+3.1%	$207.5B-1.9%	$211.5B+2.0%	$207.4B+0.4%	$206.5B+2.5%	$201.5B+1.9%	$197.7B
Long-Term Debt	$32.0B-5.2%	$33.8B-5.6%	$35.8B-6.5%	$38.3B+1.6%	$37.6B-0.8%	$38.0B+3.5%	$36.7B-0.2%	$36.8B
Total Equity	$21.9B-0.7%	$22.0B-0.9%	$22.2B+1.1%	$22.0B-1.4%	$22.3B0.0%	$22.3B+0.3%	$22.2B-2.6%	$22.8B
Retained Earnings	$20.4B+0.1%	$20.3B-2.0%	$20.8B-0.5%	$20.9B+2.6%	$20.3B+2.7%	$19.8B+2.3%	$19.4B+3.5%	$18.7B

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities.

FCNCA Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCNCA annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$3.2B	$2.9B-2.2%	$3.0B+12.3%	$2.7B-4.7%	$2.8B+1082.7%	-$284.0M-175.5%	$376.0M-35.0%	$578.2M+27.4%	$453.8M+27.7%	$355.3M+54.1%	$230.5M-1.1%	$233.1M+27.9%	$182.2M-44.9%	$331.0M+64.4%	$201.3M-40.0%	$335.7M
Capital Expenditures	$724.0M	$710.0M+65.5%	$429.0M+5.9%	$405.0M+161.3%	$155.0M+44.9%	$107.0M-19.5%	$133.0M+9.8%	$121.1M-13.8%	$140.4M+65.6%	$84.8M+3.6%	$81.8M-8.8%	$89.7M+8.5%	$82.7M+25.2%	$66.0M-25.7%	$88.9M+15.6%	$76.9M
Free Cash Flow	$2.5B	$2.2B-13.5%	$2.6B+13.5%	$2.3B-14.5%	$2.6B+774.2%	-$391.0M-260.9%	$243.0M-46.8%	$457.2M+45.9%	$313.3M+15.8%	$270.5M+81.9%	$148.7M+3.7%	$143.3M+44.0%	$99.5M-62.4%	$265.0M+135.7%	$112.4M-56.6%	$258.8M
Investing Cash Flow	-$7.5B	-$5.6B+44.7%	-$10.2B-518.1%	$2.4B+3138.7%	$75.0M+101.0%	-$7.6B+23.6%	-$9.9B-520.7%	-$1.6B-1678.2%	$101.1M+115.1%	-$668.7M	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	$4.9B	$2.7B-62.2%	$7.1B+250.5%	-$4.7B-74.9%	-$2.7B-134.3%	$7.8B-17.7%	$9.5B+791.8%	$1.1B+289.3%	-$563.6M-613.2%	$109.8M	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	$185.0M	$161.0M+1.9%	$158.0M+35.0%	$117.0M+41.0%	$83.0M+97.6%	$42.0M+40.0%	$30.0M+65.4%	$18.1M+8.1%	$16.8M+16.4%	$14.4M0.0%	$14.4M-20.0%	$18.0M+56.1%	$11.5M+33.2%	$8.7M-43.7%	$15.4M+23.2%	$12.5M
Share Buybacks	$3.3B	$3.0B+83.7%	$1.6B	$0-100.0%	$1.2B	$0-100.0%	$334.0M-26.3%	$453.1M+177.8%	$163.1M	$0	$0	$0	$0-100.0%	$321K-99.7%	$103.6M+324.9%	$24.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.0B+506.4%	$172.0M-83.6%	$1.1B+14.6%	$916.0M+6.6%	$859.0M+776.5%	$98.0M-91.2%	$1.1B+12.9%	$991.0M
Capital Expenditures	$102.0M-27.7%	$141.0M-42.0%	$243.0M+2.1%	$238.0M+88.9%	$126.0M+22.3%	$103.0M-19.5%	$128.0M+20.8%	$106.0M
Free Cash Flow	$941.0M+2935.5%	$31.0M-96.2%	$807.0M+19.0%	$678.0M-7.5%	$733.0M+14760.0%	-$5.0M-100.5%	$991.0M+12.0%	$885.0M
Investing Cash Flow	-$752.0M+88.5%	-$6.5B-280.1%	$3.6B+195.5%	-$3.8B-576.3%	-$562.0M+88.5%	-$4.9B-30.3%	-$3.7B-1143.9%	-$301.0M
Financing Cash Flow	$148.0M-97.8%	$6.6B+239.8%	-$4.8B-265.6%	$2.9B+1404.5%	-$220.0M-104.6%	$4.8B+85.4%	$2.6B+535.3%	-$592.0M
Dividends Paid	$55.0M+7.8%	$51.0M+27.5%	$40.0M+2.6%	$39.0M-2.5%	$40.0M-4.8%	$42.0M0.0%	$42.0M+10.5%	$38.0M
Share Buybacks	$606.0M-32.6%	$899.0M-0.1%	$900.0M+0.4%	$896.0M+46.2%	$613.0M-0.8%	$618.0M-34.8%	$948.0M+35.4%	$700.0M

FCNCA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FCNCA annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	23.1%-5.3pp	28.5%-32.6pp	61.0%+39.4pp	21.6%-16.1pp	37.7%+4.5pp	33.1%+0.6pp	32.6%+0.5pp	32.1%+2.8pp	29.3%+6.5pp	22.8%+1.1pp	21.7%+3.5pp	18.2%-2.7pp	20.9%+7.8pp	13.2%-6.0pp	19.2%
Return on Equity	9.9%-2.6pp	12.5%-41.4pp	53.9%+42.6pp	11.4%-0.2pp	11.5%-0.1pp	11.6%-1.1pp	12.8%+1.3pp	11.5%+1.8pp	9.7%+2.2pp	7.5%+0.2pp	7.3%+2.2pp	5.2%-2.9pp	8.1%+0.9pp	7.1%-3.4pp	10.5%
Return on Assets	1.0%-0.3pp	1.2%-4.1pp	5.4%+4.4pp	1.0%+0.1pp	0.9%0.0pp	1.0%-0.2pp	1.1%0.0pp	1.1%+0.2pp	0.9%+0.3pp	0.7%0.0pp	0.7%+0.2pp	0.5%-0.3pp	0.8%+0.2pp	0.6%-0.3pp	0.9%
Debt-to-Equity	1.610.0x	1.65-0.1x	1.75+1.3x	0.46+0.2x	0.250.0x	0.30+0.1x	0.16+0.2x	0.00-0.3x	0.260.0x	0.280.0x	0.25+0.1x	0.13-0.1x	0.250.0x	0.24-0.1x	0.37
FCF Margin	23.2%-3.0pp	26.2%+14.2pp	12.0%-39.9pp	51.9%+78.8pp	-27.0%-43.3pp	16.4%-16.2pp	32.6%+7.4pp	25.1%+0.6pp	24.5%+9.5pp	15.0%+0.3pp	14.8%+1.7pp	13.1%-20.2pp	33.3%+22.1pp	11.2%-14.3pp	25.5%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	27.6%+4.5pp	23.1%-0.7pp	23.8%+0.4pp	23.4%-0.9pp	24.2%+3.2pp	21.0%-8.1pp	29.1%+3.0pp	26.1%
Return on Equity	3.1%+0.7pp	2.4%-0.2pp	2.6%0.0pp	2.6%0.0pp	2.6%+0.4pp	2.2%-1.0pp	3.1%+0.3pp	2.8%
Return on Assets	0.3%+0.1pp	0.2%0.0pp	0.3%0.0pp	0.2%0.0pp	0.3%0.0pp	0.2%-0.1pp	0.3%0.0pp	0.3%
Debt-to-Equity	1.46-0.1x	1.53-0.1x	1.61-0.1x	1.74+0.1x	1.690.0x	1.70+0.1x	1.650.0x	1.61
FCF Margin	38.7%+37.4pp	1.3%-31.8pp	33.1%+5.2pp	27.9%-3.0pp	30.9%+31.1pp	-0.2%-41.4pp	41.1%+5.0pp	36.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where First Ctzns Bancshares Inc N C Ranks

Frequently Asked Questions

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

First Ctzns Bancshares Inc N C (FCNCA) reported $9.5B in total revenue for fiscal year 2025. This represents a -2.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

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

First Ctzns Bancshares Inc N C (FCNCA) revenue declined by 2.2% year-over-year, from $9.8B to $9.5B in fiscal year 2025.

Is First Ctzns Bancshares Inc N C profitable?

Yes, First Ctzns Bancshares Inc N C (FCNCA) reported a net income of $2.2B in fiscal year 2025, with a net profit margin of 23.1%.

How much debt does First Ctzns Bancshares Inc N C have?

As of fiscal year 2025, First Ctzns Bancshares Inc N C (FCNCA) had $801.0M in cash and equivalents against $35.8B in long-term debt.

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 23.1% in fiscal year 2025, 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 $7.95 per share in dividends during fiscal year 2025.

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 9.9% for fiscal year 2025, 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 $2.2B in free cash flow during fiscal year 2025. This represents a -13.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

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

First Ctzns Bancshares Inc N C (FCNCA) generated $2.9B in operating cash flow during fiscal year 2025, 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 $229.7B in total assets as of fiscal year 2025, 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 $710.0M in capital expenditures during fiscal year 2025, 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 $3.0B on share buybacks during fiscal year 2025, 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 1.61 as of fiscal year 2025, 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 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Ctzns Bancshares Inc N C's Piotroski F-Score?

First Ctzns Bancshares Inc N C (FCNCA) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Ctzns Bancshares Inc N C's earnings high quality?

First Ctzns Bancshares Inc N C (FCNCA) has an earnings quality ratio of 1.33x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Ctzns Bancshares Inc N C?

First Ctzns Bancshares Inc N C (FCNCA) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.