What is FIRST CTZNS BANCSHS B's earnings per share (EPS)?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B (FCNCB) Financials

FCNCB

Trailing 12 months to June 30, 2026

Revenue $9.6B +0.9% YoY

Net Income $2.4B -1.8% YoY

EPS (Diluted) $186.77 +10.3% YoY

Free Cash Flow $2.5B -5.6% YoY

Market Cap $25.4B as of Oct 14, 2026

Price / Sales 2.6x on $9.6B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.8x on $2.4B net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $21.9B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FCNCB SEC filings page.

FIRST CTZNS BANCSHS B (FCNCB) reported $9.6B in revenue over the twelve months to Jun 30, 2026, up 0.9% from the prior twelve months. 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 FCNCB FY2025 2026-10-04

The business runs on a large liability-funded balance sheet, producing modest asset returns while FY2025 earnings softened.

FY2025 assets grew to $230B while ROA fell to 1.0% as net income weakened; balance-sheet expansion produced less profit per dollar deployed. Equity was essentially flat even as liabilities rose, reinforcing that growth was funded mainly through the balance sheet’s liability side rather than fresh capital.

Liabilities equaled roughly 9.3x equity in FY2025, while debt-to-equity eased to 1.6x. That ratio was 1.7x in FY2023, yet the institution still relies heavily on liabilities overall; funding conditions and asset quality therefore matter more than a conventional gross-margin discussion.

Operating cash flow stayed broadly stable across FY2024 and FY2025, while free cash flow remained positive at $2.2B in FY2025. This cash generation broadly supports earnings quality even as profitability weakened; buybacks exceeded dividends, showing that cash was also directed toward shareholder distributions.

Financial Health Signals

Financial health score not available

FIRST CTZNS BANCSHS B does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

FIRST CTZNS BANCSHS B 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 BANCSHS B 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

$2.4B

YoY+2.5%

QoQ+5.1%

5Y CAGR+38.4%

10Y CAGR+20.6%

FIRST CTZNS BANCSHS B generated $2.4B in revenue in Q2 2026. This represents an increase of 2.5% from the same quarter a year earlier. Against the prior quarter it is up 5.1%.

Net Income

$672.0M

YoY+16.9%

QoQ+25.8%

5Y CAGR+34.4%

10Y CAGR+25.5%

FIRST CTZNS BANCSHS B reported $672.0M in net income in Q2 2026. This represents an increase of 16.9% from the same quarter a year earlier. Against the prior quarter it is up 25.8%.

EPS (Diluted)

$55.52

YoY+31.1%

QoQ+30.2%

5Y CAGR+29.8%

FIRST CTZNS BANCSHS B earned $55.52 per diluted share (EPS) in Q2 2026. This represents an increase of 31.1% from the same quarter a year earlier. Against the prior quarter it is up 30.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$941.0M

YoY+28.4%

QoQ+2935.5%

10Y CAGR+76.0%

FIRST CTZNS BANCSHS B generated $941.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 28.4% from the same quarter a year earlier. Against the prior quarter it is up 2935.5%.

Cash & Debt

$1.5B

YoY+70.9%

QoQ+40.6%

5Y CAGR+30.9%

10Y CAGR+11.6%

FIRST CTZNS BANCSHS B held $1.5B in cash against $32.0B in long-term debt as of Q2 2026.

Dividends Per Share

$2.10

YoY+7.7%

QoQ0.0%

5Y CAGR+34.9%

FIRST CTZNS BANCSHS B paid $2.10 per share in dividends in Q2 2026. This represents an increase of 7.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

Diluted avg 12M

FIRST CTZNS BANCSHS B had a weighted average of 12M diluted shares in Q2 2026; the shares outstanding count is not reported for that period.

Margins & Returns

Net Margin

27.6%

YoY+3.4pp

QoQ+4.5pp

5Y change-4.3pp

10Y change+9.0pp

FIRST CTZNS BANCSHS B's net profit margin was 27.6% in Q2 2026, showing the share of revenue converted to profit. This is up 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.5 percentage points.

Return on Equity

3.1%

YoY+0.5pp

QoQ+0.7pp

5Y change-0.3pp

10Y change+0.8pp

FIRST CTZNS BANCSHS B's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$606.0M

YoY-1.1%

QoQ-32.6%

FIRST CTZNS BANCSHS B spent $606.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 1.1% from the same quarter a year earlier. Against the prior quarter it is down 32.6%.

Capital Expenditures

$102.0M

YoY-19.0%

QoQ-27.7%

5Y CAGR+31.4%

10Y CAGR+20.3%

FIRST CTZNS BANCSHS B invested $102.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 19.0% from the same quarter a year earlier. Against the prior quarter it is down 27.7%.

R&D Spending

Not reported for Q2 2026.

FCNCB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCNCB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$9.6B	$9.5B-2.2%	$9.8B-48.1%	$18.8B+269.7%	$5.1B+167.8%	$1.9B+1.8%	$1.9B+8.0%	$1.7B+7.3%	$1.6B+1.7%	$1.6B+19.7%	$1.3B-5.0%	$1.4B+32.2%	$1.1B+4.5%	$1.0B-9.0%	$1.1B-17.1%	$1.3B
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 (Basic)	N/A	$165.24-12.8%	$189.42-75.9%	$785.14+1063.7%	$67.47+25.2%	$53.88+13.4%	$47.50+15.7%	$41.05+22.4%	$33.53+11.9%	$29.96+59.6%	$18.77+7.1%	$17.52+29.2%	$13.56-21.8%	$17.35+34.3%	$12.92-31.3%	$18.80
EPS (Diluted)	$186.77	$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
Diluted Shares (Avg)	N/A	13M-9.3%	14M-1.4%	15M-6.5%	16M	10M-2.4%	10M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$2.4B+2.5%	$2.3B+0.7%	$2.4B+1.2%	$2.4B-0.5%	$2.4B-3.5%	$2.3B-6.0%	$2.4B-1.9%	$2.4B-6.1%
SG&A Expenses	$844.0M+4.2%	$869.0M+6.2%	$849.0M+6.0%	$817.0M+3.7%	$810.0M+8.7%	$818.0M+9.9%	$801.0M+12.2%	$788.0M+8.4%
Interest Expense	$1.2B-4.4%	$1.2B-5.4%	$1.2B-5.7%	$1.3B-5.8%	$1.3B-4.5%	$1.2B-2.8%	$1.3B+7.1%	$1.3B+19.8%
Income Tax	$219.0M+19.7%	$171.0M+1.8%	$231.0M+541.7%	$183.0M-21.8%	$183.0M-32.7%	$168.0M-38.5%	$36.0M-81.9%	$234.0M-4.5%
Net Income	$672.0M+16.9%	$534.0M+10.6%	$580.0M-17.1%	$568.0M-11.1%	$575.0M-18.7%	$483.0M-33.9%	$700.0M+36.2%	$639.0M-15.0%
EPS (Basic)	$55.52+31.1%	$42.63+23.7%	$45.54-7.3%	$43.08-0.8%	$42.36-10.9%	$34.47-30.0%	$49.15+43.1%	$43.42-14.4%
EPS (Diluted)	$55.52+31.1%	$42.63+23.7%	$45.54-7.3%	$43.08-0.8%	$42.36-10.9%	$34.47-30.0%	$49.15+43.2%	$43.42-14.3%
Diluted Shares (Avg)	12M-12.9%	12M-12.2%	N/A	13M-10.6%	13M-8.9%	14M-6.6%	N/A	14M-1.1%

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

FCNCB Balance Sheet

FCNCB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0-100.0%	$9.1B+109.7%	$4.3B+292.4%	$1.1B+38.9%	$797.4M-42.5%	$1.4B-25.9%	$1.9B-9.2%	$2.1B+19.6%	$1.7B+100.7%	$859.3M+93.9%	$443.2M+1.9%	$435.0M
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
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$236.8B+3.1%	$236.0B+3.1%	$229.7B+2.7%	$233.5B+5.9%	$229.7B+4.5%	$228.8B+5.0%	$223.7B+4.7%	$220.6B+3.2%
Cash & Equivalents	$1.5B+70.9%	$1.1B+33.0%	$801.0M-1.6%	$874.0M+1.4%	$889.0M+16.4%	$812.0M+16.3%	$814.0M-10.4%	$862.0M+9.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%	$346.0M0.0%
Total Liabilities	$214.9B+3.7%	$213.9B+3.6%	$207.5B+3.0%	$211.5B+7.0%	$207.4B+5.1%	$206.5B+5.4%	$201.5B+4.7%	$197.7B+2.3%
Long-Term Debt	$32.0B-14.9%	$33.8B-11.0%	$35.8B-2.5%	$38.3B+4.0%	$37.6B+1.5%	$38.0B+2.2%	$36.7B-1.3%	$36.8B-1.3%
Total Equity	$21.9B-1.8%	$22.0B-1.1%	$22.2B0.0%	$22.0B-3.7%	$22.3B-0.8%	$22.3B+2.0%	$22.2B+4.6%	$22.8B+12.0%
Retained Earnings	$20.4B+0.1%	$20.3B+2.7%	$20.8B+7.3%	$20.9B+11.6%	$20.3B+12.3%	$19.8B+13.6%	$19.4B+15.6%	$18.7B+15.0%

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

FCNCB Cash Flow Statement

FCNCB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$314.0M+13.8%	$276.0M+22.7%	$225.0M+58.5%	$142.0M+32.7%	$107.0M-1.8%	$109.0M+5.0%	$103.8M+7.3%	$96.8M+6.6%	$90.8M+2.3%	$88.8M+1.2%	$87.7M+16.2%	$75.5M+6.5%	$70.8M+2.8%	$68.9M+5.8%	$65.2M
Stock-Based Compensation	N/A	$0	$0-100.0%	$5.0M-73.7%	$19.0M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.0B+21.4%	$172.0M+75.5%	$1.1B-6.2%	$916.0M-7.6%	$859.0M+106.0%	$98.0M-78.7%	$1.1B+24.2%	$991.0M-17.8%
Depreciation & Amortization	$156.0M+56.0%	$180.0M+93.5%	$30.0M-87.5%	$91.0M+116.7%	$100.0M+1566.7%	$93.0M+875.0%	$240.0M+1.3%	$42.0M+141.2%
Capital Expenditures	$102.0M-19.0%	$141.0M+36.9%	$243.0M+89.8%	$238.0M+124.5%	$126.0M+24.8%	$103.0M+9.6%	$128.0M-38.5%	$106.0M+53.6%
Free Cash Flow	$941.0M+28.4%	$31.0M+720.0%	$807.0M-18.6%	$678.0M-23.4%	$733.0M+132.0%	-$5.0M-101.4%	$991.0M+43.0%	$885.0M-22.1%
Investing Cash Flow	-$752.0M-33.8%	-$6.5B-34.0%	$3.6B+196.9%	-$3.8B-1162.8%	-$562.0M+69.1%	-$4.9B-13.7%	-$3.7B-945.8%	-$301.0M+92.0%
Financing Cash Flow	$148.0M+167.3%	$6.6B+39.1%	-$4.8B-284.4%	$2.9B+584.8%	-$220.0M-115.0%	$4.8B+32.0%	$2.6B+704.9%	-$592.0M-124.4%
Dividends Paid	$55.0M+37.5%	$51.0M+21.4%	$40.0M-4.8%	$39.0M+2.6%	$40.0M+2.6%	$42.0M+7.7%	$42.0M+7.7%	$38.0M+46.2%
Share Buybacks	$606.0M-1.1%	$899.0M+45.5%	$900.0M-5.1%	$896.0M+28.0%	$613.0M	$618.0M	$948.0M	$700.0M

Not reported in any period shown, so not listed: Stock-Based Compensation.

FCNCB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCNCB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	23.1%-5.3pp	28.5%-32.6pp	61.0%+39.4pp	21.6%-7.2pp	28.8%+2.4pp	26.4%-0.1pp	26.5%+1.6pp	24.9%+4.4pp	20.5%+3.4pp	17.1%+1.9pp	15.1%+2.0pp	13.2%-3.4pp	16.6%+4.6pp	12.0%-2.7pp	14.6%
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
Asset Turnover	0.040.0x	0.040.0x	0.090.0x	0.050.0x	0.030.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.06
FCF Margin	23.2%-3.0pp	26.2%+14.2pp	12.0%-39.9pp	51.9%+72.5pp	-20.6%-33.6pp	13.0%-13.4pp	26.5%+7.0pp	19.5%+2.4pp	17.1%+5.9pp	11.3%+1.0pp	10.3%+0.8pp	9.4%-16.9pp	26.3%+16.2pp	10.2%-9.2pp	19.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	27.6%+3.4pp	23.1%+2.1pp	23.8%-5.3pp	23.4%-2.8pp	24.2%-4.5pp	21.0%-8.9pp	29.1%+8.1pp	26.1%-2.8pp
Return on Equity	3.1%+0.5pp	2.4%+0.2pp	2.6%-0.5pp	2.6%-0.2pp	2.6%-0.6pp	2.2%-1.2pp	3.1%+0.7pp	2.8%-0.9pp
Return on Assets	0.3%0.0pp	0.2%0.0pp	0.3%-0.1pp	0.2%-0.1pp	0.3%-0.1pp	0.2%-0.1pp	0.3%+0.1pp	0.3%-0.1pp
Debt-to-Equity	1.46-0.2x	1.53-0.2x	1.610.0x	1.74+0.1x	1.690.0x	1.700.0x	1.65-0.1x	1.61-0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	38.7%+7.8pp	1.3%+1.6pp	33.1%-8.0pp	27.9%-8.3pp	30.9%+18.0pp	-0.2%-15.2pp	41.1%+12.9pp	36.2%-7.4pp

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

Where FIRST CTZNS BANCSHS B Ranks

Frequently Asked Questions

What is FIRST CTZNS BANCSHS B's annual revenue?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's revenue growing?

FIRST CTZNS BANCSHS B (FCNCB) revenue declined by 2.2% year-over-year, from $9.8B to $9.5B in fiscal year 2025.

Is FIRST CTZNS BANCSHS B profitable?

Yes, FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B have?

As of fiscal year 2025, FIRST CTZNS BANCSHS B (FCNCB) had $801.0M in cash and equivalents against $35.8B in long-term debt.

What is FIRST CTZNS BANCSHS B's net profit margin?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B pay dividends?

Yes, FIRST CTZNS BANCSHS B (FCNCB) paid $7.95 per share in dividends during fiscal year 2025.

What is FIRST CTZNS BANCSHS B's return on equity (ROE)?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's free cash flow?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's operating cash flow?

FIRST CTZNS BANCSHS B (FCNCB) generated $2.9B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FIRST CTZNS BANCSHS B's total assets?

FIRST CTZNS BANCSHS B (FCNCB) had $229.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are FIRST CTZNS BANCSHS B's capital expenditures?

FIRST CTZNS BANCSHS B (FCNCB) invested $710.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does FIRST CTZNS BANCSHS B buy back shares?

Yes, FIRST CTZNS BANCSHS B (FCNCB) spent $3.0B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is FIRST CTZNS BANCSHS B's debt-to-equity ratio?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's return on assets (ROA)?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's P/E ratio?

FIRST CTZNS BANCSHS B (FCNCB) trades at 10.8x earnings, its market capitalization divided by net income of $2.4B net income, trailing 12 months to June 30, 2026. The market capitalization is $25.4B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is FIRST CTZNS BANCSHS B's price-to-sales ratio?

FIRST CTZNS BANCSHS B (FCNCB) trades at 2.6x sales, its market capitalization divided by revenue of $9.6B revenue, trailing 12 months to June 30, 2026. The market capitalization is $25.4B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is FIRST CTZNS BANCSHS B's Piotroski F-Score?

FIRST CTZNS BANCSHS B (FCNCB) 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 BANCSHS B's earnings high quality?

FIRST CTZNS BANCSHS B (FCNCB) 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.