FCNCANasdaqState Commercial BanksUS GAAP · USD

First Citizens BancShares, Inc

First Citizens BancShares, Inc. is a U.S. bank holding company centered on First-Citizens Bank & Trust Company, serving consumer, commercial, and specialty finance clients. Its business combines branch-based and digital deposit gathering with lending, leasing, wealth management, capital markets, and advisory services, including niche exposure to innovation markets and railcar leasing.

Kysy yhtiöstä
Liikevaihto9 541milj. USD
−2,2 %v/v
Nettotulos2 206milj. USD
−20,6 %v/v
Vapaa kassavirta2 213milj. USD
−13,5 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

02 0004 0006 0008 00010 000milj. USD20202021202220232024: 9 758 milj. USD20242025: 9 541 milj. USD20259 541
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: First Citizens BancShares, Inc

Liiketoiminta

Osuus liikevaihdosta
Consumer banking30 %

Deposit products, consumer lending, mortgage banking, and retail cash services delivered through branches and digital channels.

Commercial banking35 %

Loans, deposits, cash management, and treasury services for small and middle-market businesses and specialty commercial clients.

Wealth and investment services15 %

Private banking, brokerage, asset management, trust, and advisory services offered through affiliated subsidiaries.

Specialty finance15 %

Factoring, receivables management, secured financing, and leasing solutions for targeted business niches.

Other financial services5 %

Capital markets, underwriting, private placement, and railcar/locomotive leasing activities.

Asiakkaat

The company serves retail consumers, mortgage borrowers, and small to middle-market businesses that need deposits, credit, and transaction services. It also targets specialty client groups such as private equity and venture capital firms, innovation-market companies in technology, life sciences, and healthcare, as well as homeowner associations and property managers. A separate niche customer base uses its factoring, secured financing, and rail equipment leasing capabilities.

Retail consumers

Buy deposits, consumer loans, mortgage products, and private banking services for everyday banking and wealth needs.

Small and middle-market businesses

Buy commercial loans, deposits, cash management, leasing, and advisory services to fund operations and growth.

Innovation-market clients

Technology, life sciences, and healthcare companies use specialized lending, deposits, and treasury services.

Private equity and venture capital firms

Use banking, capital markets, and advisory services tied to deal activity and portfolio company needs.

Specialty finance and niche commercial clients

Homeowner associations, property managers, manufacturers, importers, and rail customers use targeted financing and leasing.

Strategia

Management’s stated priorities focus on client focus, talent and culture, operational efficiency, and balance sheet optimization. The strategy is aimed at expanding products while keeping a client-first model, simplifying systems, and improving funding and liquidity through core deposit growth. The pending BMO branch acquisition also shows a continued willingness to use acquisitions to expand footprint and deposits.

Client-focused product expansionKeskipitkä aikaväli

Broader product depth helps retain customers and cross-sell across banking and wealth.

Operational simplificationKeskipitkä aikaväli

Lower complexity and better data infrastructure should improve productivity and control costs.

Balance sheet optimizationLyhyt aikaväli

Core deposit growth and prudent liquidity management support funding stability and returns.

Acquisition-led expansionKeskipitkä aikaväli

Branch acquisitions can quickly add deposits, loans, and geographic reach.

Maantiede

BancShares is primarily a U.S. business, with its bank regulated in North Carolina and lending concentrated across major U.S. states. The company operates an extensive branch network plus a nationwide Direct Bank, so deposit gathering and loan origination are tied to both local branch markets and national digital reach. Reported loan concentrations show California, North Carolina, New York, Texas, Massachusetts, and Florida as the largest state exposures, with only a small international balance.

Riskit

The business is exposed to credit risk, funding and liquidity risk, and intense competition from banks and non-bank financial providers. It also faces integration, regulatory, and cybersecurity risk because growth has included acquisitions, digital banking, and complex specialty businesses. Changes in rates, regulation, consumer behavior, and asset quality can affect both earnings and capital.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit deterioration and allowance volatility1Acquisition and integration risk2Cybersecurity and operational disruption3Regulatory and capital requirement changes4Competitive pressure from non-bank and bank peers5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit deterioration and allowance volatilityVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The company lends across consumer, commercial, specialty finance, and leasing portfolios, so asset quality can shift with the economy.

    Kohdistuu: Loan and lease portfolios across multiple industries and geographies

  2. Acquisition and integration riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Growth has historically included mergers and branch acquisitions, which can create systems, credit, and regulatory execution risk.

    Kohdistuu: Pending BMO branch acquisition and prior completed transactions

  3. Cybersecurity and operational disruptionVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Branch, digital, and third-party service channels increase attack surface and remediation costs.

    KohdistuuDirect BankMobile bankingThird-party vendorsAcquired systems
  4. Regulatory and capital requirement changesVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Bank holding company and insured depository regulation can raise compliance costs and constrain capital deployment.

    KohdistuuFDIC premiumsCapital rulesConsumer lending rulesSupervisory actions
  5. Competitive pressure from non-bank and bank peersVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Customers can switch among traditional banks, fintechs, brokerages, and other financial providers.

    KohdistuuDepositsLendingWealthCapital markets services
Kysy Clarifolta: First Citizens BancShares, Inc

Kirjanpito

Harkinnanvaraiset erät
Allowance for loan and lease losses

This is identified as a critical accounting estimate and can materially change provision expense.

Vaikutus: Credit costs, earnings, and reserve adequacy

Acquisition accounting and goodwill

The company has a history of acquisitions, which can create goodwill and fair value marks that require later impairment testing.

Vaikutus: Balance sheet carrying values and future impairment charges

FDIC shared-loss termination

Termination of favorable RWA treatment affects regulatory capital ratios and comparability over time.

Vaikutus: Tier 1 and risk-based capital metrics

Fair value measurements

Loan, securities, and capital markets-related valuations rely on assumptions that can move with rates and market conditions.

Vaikutus: Reported asset values and gains/losses

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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PB · State Commercial Banks

Northwest Bancshares, Inc.

NWBI · National Commercial Banks

Southern First Bancshares, Inc

SFST · National Commercial Banks

Päivitetty: 24.9.2026

First Citizens BancShares, Inc (FCNCA) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo