FCNCP.PFD (First Citizens BancShares) OCF Margin %: 7.45% (As of Mar. 2026) — 75% Below Median


FCNCP.PFD First Citizens BancShares Inc FCNCP.PFD
73 GF Score
Price $20.02
! 4 Warning Signs
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What is First Citizens BancShares OCF Margin %?

First Citizens BancShares FCNCP.PFD -1.14% 73 OCF Margin % is 7.45% as of Mar. 2026, which is 75% below its 10-year median of 29.81. GuruFocus rates FCNCP.PFD with a GF Score™ of 73/100. The stock has 4 warning signs investors should review. Among 1,501 Banks companies, First Citizens BancShares ranks better than 55.63% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. First Citizens BancShares's Cash Flow from Operations for the three months ended in Mar. 2026 was $172.00 Mil. First Citizens BancShares's Revenue for the three months ended in Mar. 2026 was $2,310.00 Mil. Therefore, First Citizens BancShares's OCF Margin % for the quarter that ended in Mar. 2026 was 7.45%.

As of today, First Citizens BancShares's current OCF Yield % is 12.38%.

The historical rank and industry rank for First Citizens BancShares's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of First Citizens BancShares was 61.67%. The lowest was -15.45%. And the median was 29.81%.

FCNCP.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.44
* Ranked among companies with meaningful OCF Margin % only.

First Citizens BancShares OCF Margin % Related Terms

First Citizens BancShares OCF Margin % Historical Data

* Premium members only.

The historical data trend for First Citizens BancShares's OCF Margin % 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 OCF Margin % Chart

First Citizens BancShares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -15.45 61.67 30.39 31.45 31.59

First Citizens BancShares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % 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 4.27 37.32 37.70 48.52 7.45
FCNCP.PFD
73GF Score
First Citizens BancShares Inc FCNCP.PFD
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Citizens BancShares OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

First Citizens BancShares's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=2923/9252
=31.59 %

First Citizens BancShares's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=172/2310
=7.45 %

* 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 OCF Margin % →
What does a OCF Margin % of 7.45% mean?
First Citizens BancShares (FCNCP.PFD) has a OCF Margin % of 7.45% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Citizens BancShares and its competitors. This is 75% below median its historical median of 29.81. According to the industry distribution chart, First Citizens BancShares ranks #666 out of 1501 companies in the Banks industry, placing it in the top 44.4%.
Is First Citizens BancShares' OCF Margin % too high?
First Citizens BancShares' current OCF Margin % of 7.45% is 75% below median its 10-year median of 29.81. The Banks industry median OCF Margin % is 29.44. First Citizens BancShares' value of 7.45% is 74.7% below this industry median. Based on the distribution chart, First Citizens BancShares ranks #666 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, First Citizens BancShares has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does First Citizens BancShares' OCF Margin % compare to KEY and RF?
According to the Banks industry distribution chart, First Citizens BancShares ranks #666 out of 1501 companies for OCF Margin %. This puts First Citizens BancShares in the upper half of its industry. The industry median OCF Margin % is 29.44. First Citizens BancShares' value of 7.45% is 74.7% below this benchmark. While the company's 10-year median is 29.81 vs. the industry median of 29.44, First Citizens BancShares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Citizens BancShares's current OCF Margin % of 7.45% is 74.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Citizens BancShares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Citizens BancShares's current OCF Margin % is 7.45%, which is 75% below median its own 10-year median of 29.81. 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?
First Citizens BancShares (FCNCP.PFD) has a current OCF Margin % of 7.45%. The current OCF Margin % is 7.45%, which is 75% below median its 10-year median of 29.81 and 74.7% below the Banks industry median of 29.44. First Citizens BancShares' overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Citizens BancShares (FCNCP.PFD), the current OCF Margin % is 7.45% as of Mar. 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.

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.
73GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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