FCNCA First Citizens Bancshares Inc (NC) margins

Relative Growth: Rel. Growth: 92

Relative Strength: Rel. Strength: 67

Relative Valuation: Rel. Valuation: 78

Relative Profitability: Rel. Profitability: 74

Gross margin

100%

Operating margin

33.9%

EBITDA margin

39.8%

Net margin

25.3%

Current First Citizens Bancshares Inc (NC) reports a gross margin of 100%, an operating margin of 33.9%, an EBITDA margin of 39.8%, and a net margin of 25.3%. EBITDA margin reported the largest year-over-year gain at 2.5 percentage points, while net margin reported the largest decline at 1.4 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, 38.7% operating, 40.84% EBITDA, and 30.53% 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 0.3 percentage points and EBITDA margin by 2.5 percentage points, but net margin contracted by 1.4 percentage points.

Gross margin expansion

0pp

Operating margin expansion

0.3pp

EBITDA margin expansion

2.5pp

Net margin expansion

-1.4pp

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 Jun 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 38.7%. First Citizens Bancshares Inc (NC)'s current operating margin is 33.9% and is 4.8 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 40.84%. Currently, the current EBITDA margin for First Citizens Bancshares Inc (NC) is 39.8%, 1 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 30.53%. The latest net margin for First Citizens Bancshares Inc (NC) is 25.3%, 5.2 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 83.7%, First Citizens Bancshares Inc (NC)'s gross margin is 19% 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 Jun 30, 2026, FCNCA has a gross margin of 100%.

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

For the period ending Jun 30, 2026, FCNCA recorded an operating margin of 33.9%.

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

As of Jun 30, 2026, FCNCA has an EBITDA margin of 39.8%.

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

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

What are the average margins of FCNCA?

Over the past 3 years, FCNCA reported average margins of 100.0% gross, 38.7% operating, 40.8% EBITDA, and 30.5% net.

What are the highest historical margins of FCNCA?

Looking back across 5 years, FCNCA reached 100% gross in Jun 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.