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First Citizens BancShares FCNCA Cardholder services, net — Noninterest income

Other product segments

Deposit fees and service charges
$70M+20.7%
Lending-related fees
$69M+4.5%
Wealth management services
$59M+5.4%
Client investment fees
$53M0.0%
International fees
$35M+9.4%
Factoring commissions
$17M0.0%
Insurance commissions
$13M-7.1%
Merchant services, net
$13M-7.1%

Similar metrics at other companies

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EFSCCard services revenue — Total noninterest income
$2.54M+5.8%
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BUSECard services and ATM fees — Noninterest income
$4.65M+25.3%
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SFNCDebit and credit card fees — Non-interest income
$8.5M+0.7%
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CBNKCredit card fees — Noninterest income
$4.69M+26.1%
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NBTBBanking — Card Services Income
$6.03M+13.4%
Capital One Financial logo
COFCredit Card — Noninterest Income
$2.15B+42.5%

Other financials

Income statement

See full
Revenue$2.3B+0.7%
Net income$534.0M+10.6%
EPS (diluted)$42.63+23.7%

Balance sheet

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Cash & equivalents$1.1B+33.0%
Total debt$34.5B-12.0%
Total equity$22.0B-1.1%
Total assets$235.96B+3.1%

Cash flow

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Operating cash flow$172.0M+75.5%
CapEx$141.0M+36.9%
Free cash flow$31.0M+720%

Valuation

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Market cap$24.11B-7.3%
Enterprise value$57.55B-10.3%
P/E10.7×-0.2×
P/S2.5×-0.2×

Profitability

See full
Net margin23.6%-2.7pp
FCF margin23.5%+0.8pp

Returns & leverage

See full
Return on equity10.2%-1.3pp
Debt / equity1.6×-0.2×

Where this comes from

Reported directly by First Citizens BancShares in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The official record: First Citizens BancShares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Citizens BancShares's cardholder services, net — noninterest income?
First Citizens BancShares (FCNCA) reported cardholder services, net — noninterest income of $38M in Q1 2026.
How has First Citizens BancShares's cardholder services, net — noninterest income changed year-over-year?
First Citizens BancShares's cardholder services, net — noninterest income decreased by 7.3% year-over-year, from $41M to $38M.
What is the long-term trend for First Citizens BancShares's cardholder services, net — noninterest income?
Over 4 years (2021 to 2025), First Citizens BancShares's cardholder services, net — noninterest income has grown at a 16.1% compound annual growth rate (CAGR), from $87M to $158M.
What does cardholder services, net — noninterest income mean?
This metric represents the net noninterest income generated specifically from cardholder services, including interchange fees, card processing fees, and other related service charges. It reflects the bank's ability to monetize its credit and debit card portfolios independent of interest rate fluctuations. This income stream is a key component of the bank's fee-based revenue strategy.