First Citizens BancShares, Inc.
FCNCO
Rank in Stocks
#947
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for... First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
Share Price
$18.41
Last synced: 2026-11-09
Market Cap
$25.37B
Change (1 day)
1.40%
Change (1 year)
-18.42%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade First Citizens BancShares, Inc. (FCNCO)
Category
Financial Services
Operating Margin for First Citizens BancShares, Inc. (FCNCO)
Operating Margin as of November 2026 TTM: 22.25%
According to First Citizens BancShares, Inc.'s latest financial reports, its current operating margin (TTM) is 22.25%. At the end of 2025 the company had an operating margin of 20.49%.
Operating Margin history for First Citizens BancShares, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 22.25% | 8.59% |
| 2025 | 20.49% | -14.77% |
| 2024 | 24.04% | -74.84% |
| 2023 | 95.56% | 257.50% |
| 2022 | 26.73% | -27.58% |
| 2021 | 36.91% | 14.45% |
| 2020 | 32.25% | -2.48% |
| 2019 | 33.07% | 4.35% |
| 2018 | 31.69% | -15.34% |
| 2017 | 37.43% | 42.86% |
| 2016 | 26.20% | 2.91% |
| 2015 | 25.46% | 30.77% |
| 2014 | 19.47% | -22.83% |
| 2013 | 25.23% | 53.19% |
| 2012 | 16.47% | -29.40% |
| 2011 | 23.33% | -4.74% |
| 2010 | 24.49% | 38.75% |
| 2009 | 17.65% | 42.45% |
| 2008 | 12.39% | -11.31% |
| 2007 | 13.97% | -21.47% |
| 2006 | 17.79% | -7.68% |
| 2005 | 19.27% | 19.84% |
| 2004 | 16.08% | 4.01% |
| 2003 | 15.46% | -12.06% |
| 2002 | 17.58% | 18.70% |
| 2001 | 14.81% | -14.24% |
| 2000 | 17.27% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.56% |
CN
|
|
| 57.52% | -97.41% |
IT
|
|
| 21.82% | -99.02% |
IN
|
|
| 26.74% | -98.80% |
IN
|
|
| 20.55% | -99.08% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about First Citizens BancShares, Inc.'s operating margin
What is First Citizens BancShares, Inc.'s operating margin?
First Citizens BancShares, Inc.'s operating margin is 22.25%, as of Nov 2026.
What was First Citizens BancShares, Inc.'s operating margin in 2025?
In 2025, First Citizens BancShares, Inc.'s operating margin was 20.49%, compared with 24.04% in 2024.
How has First Citizens BancShares, Inc.'s operating margin changed since 2020?
From 2020 to 2025, First Citizens BancShares, Inc.'s operating margin was highest in 2023 (95.56%) and lowest in 2025 (20.49%).
How does First Citizens BancShares, Inc.'s operating margin compare with similar companies?
First Citizens BancShares, Inc.'s operating margin (22.25%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.