FCNCA First Citizens Bancshares Inc (NC) margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 74

Gross margin

100%

Operating margin

34%

EBITDA margin

40.8%

Net margin

25.3%

Current First Citizens Bancshares Inc (NC) reports a gross margin of 100%, an operating margin of 34%, an EBITDA margin of 40.8%, and a net margin of 25.3%. EBITDA margin reported the largest year-over-year gain at 4 percentage points, while net margin reported the largest decline at 0.8 percentage points.

FCNCA margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, First Citizens Bancshares Inc (NC)'s margins averaged 100% gross, 38.31% operating, 40.83% EBITDA, and 30.09% net. The current figures show operating, EBITDA, and net margins are below their three-year averages.

FCNCA margin expansion

Year-over-year margin changes in percentage points

First Citizens Bancshares Inc (NC)'s operating margin expanded by 1.4 percentage points and EBITDA margin by 4 percentage points, but net margin contracted by 0.8 percentage points.

Gross margin expansion

0pp

Operating margin expansion

1.4pp

EBITDA margin expansion

4pp

Net margin expansion

-0.8pp

FCNCA Gross margin

Over the last 3 years, First Citizens Bancshares Inc (NC)'s gross margin averaged 100%. At present, First Citizens Bancshares Inc (NC)'s current gross margin is 100%, which is in line with its three-year average. During this period, gross margin reached a high of 100% in Sep 2026 and a low of 100% in Dec 2023.

FCNCA Operating margin

Over the last 3 years, First Citizens Bancshares Inc (NC) recorded an average operating margin of 38.31%. First Citizens Bancshares Inc (NC)'s current operating margin is 34% and is 4.3 percentage points below its three-year average. The highest operating margin for First Citizens Bancshares Inc (NC) was 69.4% in Dec 2023, while the lowest was 32.6% in Sep 2025.

FCNCA EBITDA margin

Throughout the last 3 years, First Citizens Bancshares Inc (NC) had an average EBITDA margin of 40.83%. Currently, the current EBITDA margin for First Citizens Bancshares Inc (NC) is 40.8%, 0 percentage points below its three-year average. Looking back over the last 3 years, First Citizens Bancshares Inc (NC)'s EBITDA margin reached 69% at its highest point in Dec 2023 and 36.1% at its lowest in Mar 2024.

FCNCA Net margin

Over the last 3 years, the average net margin for First Citizens Bancshares Inc (NC) was 30.09%. The latest net margin for First Citizens Bancshares Inc (NC) is 25.3%, 4.8 percentage points below its three-year average. First Citizens Bancshares Inc (NC)'s net margin ranged from a low of 24.4% in Dec 2025 to a high of 65.9% in Dec 2023.

FCNCA margin group comparison

Margins compared with peer-group, industry and sector averages

First Citizens Bancshares Inc (NC)'s gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.5%, First Citizens Bancshares Inc (NC)'s gross margin is 20% higher.

FCNCA margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Citizens Bancshares Inc (NC)'s gross margin?

As of Sep 30, 2026, FCNCA has a gross margin of 100%.

What is First Citizens Bancshares Inc (NC)'s operating margin?

For the period ending Sep 30, 2026, FCNCA recorded an operating margin of 34%.

What is First Citizens Bancshares Inc (NC)'s EBITDA margin?

As of Sep 30, 2026, FCNCA has an EBITDA margin of 40.8%.

What is First Citizens Bancshares Inc (NC)'s net margin?

The current net margin for FCNCA is 25.3% as of Sep 30, 2026.

What are the average margins of FCNCA?

Over the past 3 years, FCNCA reported average margins of 100.0% gross, 38.3% operating, 40.8% EBITDA, and 30.1% net.

What are the highest historical margins of FCNCA?

Looking back across 5 years, FCNCA reached 100% gross in Sep 2026, 77.3% operating in Mar 2023, 81.2% EBITDA in Mar 2023, and 75.4% net in Mar 2023.

What are the lowest historical margins of FCNCA?

Over the last 5 years, First Citizens Bancshares Inc (NC)'s lowest margins were 100% gross in Dec 2021, 28.5% operating in Jun 2022, 36.1% EBITDA in Mar 2024, and 24.4% net in Dec 2025.