FIRST CITIZENS BANCSHARES INC /DE/
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $9.54B | $9.76B | $18.79B | $5.08B | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.21B | $2.78B | $11.47B | $1.10B | $547.0M | $492.0M |
| Total assets | $229.70B | $223.72B | $213.76B | $109.30B | $58.31B | $49.96B |
| Total liabilities | $207.46B | $201.49B | $192.50B | $99.64B | $53.57B | $45.73B |
| Equity | $22.24B | $22.23B | $21.25B | $9.66B | $4.74B | $4.23B |
| EPS (diluted) | $165.24 | $189.41 | $784.51 | $67.40 | $53.88 | $47.50 |
| Shares out. | 13.0M | 14.3M | 14.5M | 15.5M | 9.8M | 10.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 23.1%
- Return on equity
- 9.9%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.3%
- Debt / equity
- 9.33×
- Book value / share
- $1710.29
- Revenue growth (YoY)
- −2.2%
- Net income growth (YoY)
- −20.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 2 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Feb 29, 2012
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Blackrock Portfolio Management LlcPassive (13G)Apr 30, 2026
- Blackrock, Inc.Passive (13G)Apr 29, 2026
- Holding Frank B JrActivist (13D)Apr 8, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Harris Associates L PPassive (13G)Feb 17, 2026
- Capital Research Global InvestorsPassive (13G)Nov 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Holding Frank B JrOfficer — Chairman and CEO | May 12, 2026 | Sell | 5,346 | $1918.69 |
| Holding Frank B JrOfficer — Chairman and CEO | Apr 14, 2026 | Gift | 33 | $0.00 |
| Holding Frank B JrOfficer — Chairman and CEO | Apr 10, 2026 | Gift | 33 | $0.00 |
| Holding Frank B JrOfficer — Chairman and CEO | Mar 19, 2026 | Buy | 92 | $1550.00 |
| Bryant Hope HoldingOfficer — Vice Chairwoman | Mar 17, 2026 | Gift | 357 | $0.00 |
| Holding Frank B JrOfficer — Chairman and CEO | Mar 17, 2026 | Gift | 21 | $0.00 |
| Alemany Ellen RDirector | Mar 13, 2026 | Gift | 310 | $0.00 |
| Snow Ralph Mattox IiiDirector | Mar 5, 2026 | Buy | 11 | $1944.22 |
| Bryant Hope HoldingOfficer — Vice Chairwoman | Mar 2, 2026 | Gift | 10 | $0.00 |
| Holding Frank B JrOfficer — Chairman and CEO | Mar 3, 2026 | Gift | 360 | $0.00 |
| Bristow Claire H10% owner | Mar 2, 2026 | Gift | 10 | $0.00 |
| Brice Carson H10% owner | Mar 2, 2026 | Gift | 10 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 543,434 | 10.4 | -1.2% |
| Apr 30, 2026 | 549,901 | 7.4 | -3.6% |
| Apr 15, 2026 | 570,681 | 8.6 | -1.8% |
| Mar 31, 2026 | 580,842 | 5.5 | +5.9% |
| Mar 13, 2026 | 548,615 | 4.4 | +2.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 7, 2026
- Results of operations · Regulation FD disclosureApr 23, 2026
- Other material eventMar 3, 2026
- Modified shareholder rights · Amended charter or bylaws · Other material eventFeb 5, 2026
- Results of operations · Regulation FD disclosureJan 23, 2026
- Director / officer change · Regulation FD disclosureJan 14, 2026
- Modified shareholder rights · Amended charter or bylaws · Other material eventNov 18, 2025
- Results of operations · Regulation FD disclosureOct 23, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4May 12, 2026
- 10-QMay 8, 2026
- 8-KMay 7, 2026
- SCHEDULE 13G/AApr 30, 2026
- SCHEDULE 13GApr 29, 2026
- 8-KApr 23, 2026
- 4Apr 16, 2026
- 4Apr 14, 2026
- SCHEDULE 13D/AApr 8, 2026
- SCHEDULE 13G/AMar 26, 2026
- ARSMar 23, 2026
- DEF 14AMar 23, 2026
- 4Mar 19, 2026
- 4Mar 18, 2026
- 4Mar 17, 2026
Event-driven situations (1)
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