First Citizens BancShares (FCNCA) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First Citizens BancShares had a P/E ratio of 12.24 (up from 10.75), return on equity of 9.9% (down from 12.8%), debt-to-equity of 1.71 (down from 1.76) and return on assets of 1.0% (down from 1.3%). Its dividend yield was 0.37% with a payout ratio of 7.3%.

First Citizens BancShares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.24	10.75	1.79	10.41	15.22	11.68
Forward P/E	11.93	13.47	7.49	8.03	12.15	15.33
P/S Ratio	2.91	3.13	2.69	2.73	4.16	3.09
P/B Ratio	1.18	1.31	0.96	1.13	1.70	1.32
Price/Tangible Book	1.29	1.41	1.04	1.32	2.00	1.59
Price/FCF	19.32	20.10	16.61	5.85	-	22.97
Price/OCF	9.00	9.77	7.70	3.91	-	14.85
PEG Ratio	0.91	1.01	-	-	-	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.92%	12.77%	74.17%	15.25%	12.20%	12.59%
Return on Assets (ROA)	0.97%	1.27%	7.10%	1.31%	1.01%	1.10%
Leverage & Solvency Ratios
Debt/Equity	1.71	1.76	1.87	0.88	0.39	0.46
Debt/FCF	27.91	26.88	32.28	4.55	-	8.06
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.39%	9.51%	56.02%	10.06%	6.79%	8.81%
FCF Yield	5.18%	4.98%	6.02%	17.09%	-4.86%	4.35%
Dividend Yield	0.37%	0.32%	0.28%	0.29%	0.23%	0.30%
Payout Ratio	7.30%	5.69%	1.02%	7.56%	7.68%	6.10%
Buyback Yield	9.34%	1.36%	6.50%	-58.41%	2.39%	9.73%
Total Return	9.71%	1.68%	6.77%	-58.12%	2.62%	10.03%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Citizens BancShares Financial Ratios

What is First Citizens BancShares's P/E ratio?

First Citizens BancShares's P/E ratio was 12.24 for fiscal 2025 (period ended Dec 31, 2025). It was 10.75 a year earlier.

What is First Citizens BancShares's return on equity?

First Citizens BancShares's return on equity (ROE) was 9.9% for fiscal 2025 (period ended Dec 31, 2025). It was 12.8% a year earlier.

What is First Citizens BancShares's debt-to-equity ratio?

First Citizens BancShares's debt-to-equity ratio was 1.71 for fiscal 2025 (period ended Dec 31, 2025). It was 1.76 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition