FCNCA (First Citizens BancShares) LT-Debt-to-Total-Asset: 0.14 (As of Jun. 2026)

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FCNCA First Citizens BancShares Inc FCNCA
75 GF Score
Price $2,170.72
GF Value $2,203.12
Valuation Fairly Valued
! 4 Warning Signs
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What is First Citizens BancShares LT-Debt-to-Total-Asset?

First Citizens BancShares FCNCA +0.05% 75 LT-Debt-to-Total-Asset is 0.14 as of Jun. 2026. GuruFocus rates FCNCA with a GF Score™ of 75/100 and a GF Value™ of $2,203.12 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Citizens BancShares's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.14.

First Citizens BancShares's long-term debt to total assets ratio declined from Jun. 2025 (0.17) to Jun. 2026 (0.14). It may suggest that First Citizens BancShares is progressively becoming less dependent on debt to grow their business.

First Citizens BancShares  (NAS:FCNCA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Citizens BancShares LT-Debt-to-Total-Asset Related Terms

First Citizens BancShares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for First Citizens BancShares's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Citizens BancShares LT-Debt-to-Total-Asset Chart

First Citizens BancShares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.04 0.17 0.17 0.16

First Citizens BancShares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.17 0.17 0.16 0.15 0.14
FCNCA
75GF Score
First Citizens BancShares Inc FCNCA
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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First Citizens BancShares LT-Debt-to-Total-Asset Calculation

First Citizens BancShares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=36113/229698
=0.16

First Citizens BancShares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

LT Debt to Total Assets (Q: Jun. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Jun. 2026 )/Total Assets (Q: Jun. 2026 )
=32346/236842
=0.14

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.14 mean?
First Citizens BancShares (FCNCA) has a LT-Debt-to-Total-Asset of 0.14 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Citizens BancShares and its competitors.
Is First Citizens BancShares' LT-Debt-to-Total-Asset too high?
First Citizens BancShares' current LT-Debt-to-Total-Asset is 0.14. Overall, First Citizens BancShares has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Citizens BancShares' LT-Debt-to-Total-Asset compare to KEY and RF?
First Citizens BancShares' LT-Debt-to-Total-Asset of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Citizens BancShares and its competitors. First Citizens BancShares's current LT-Debt-to-Total-Asset is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Citizens BancShares stock overvalued right now?
Based on GuruFocus' analysis, First Citizens BancShares (FCNCA) is currently considered Fairly Valued. The stock's GF Value™ is $2,203.12, compared to a current price of $2,170.72 — trading 1.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.14. First Citizens BancShares' overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Citizens BancShares (FCNCA), the current LT-Debt-to-Total-Asset is 0.14 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Citizens BancShares (FCNCA) Overvalued in 2026?

Based on GuruFocus' analysis, First Citizens BancShares stock appears to be undervalued. The current stock price of $2,170.72 is trading 1.5% below its estimated GF Value™ of $2,203.12. GuruFocus considers First Citizens BancShares to be Fairly Valued.

Key valuation signals for FCNCA:

  • LT-Debt-to-Total-Asset: 0.14
  • GF Value™: $2,203.12 vs. price of $2,170.72 (1.5% below fair value)
  • GF Score™: 75/100 with 4 warning signs

No single metric tells the full story. See the FCNCA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Citizens BancShares Business Description

Address 4300 Six Forks Road, Raleigh, NC, USA, 27609
First Citizens is a US regional bank with total assets of around $236 billion as of March 31, 2026. Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, South Carolina, and California. The bank has a track record of acquiring troubled banks from the FDIC, such as Silicon Valley Bridge Bank in 2023, which doubled its asset base. First Citizens offers products and services across retail, commercial, wealth management, and railcar leasing. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2025.
75GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2,170.72
Price
$2,203.12
GF Value