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First Citizens BancShares FCNCA Merchant 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%
Cardholder services, net
$38M-7.3%
International fees
$35M+9.4%
Factoring commissions
$17M0.0%
Insurance commissions
$13M-7.1%

Similar metrics at other companies

PNC Financial Services logo
PNCMerchant services — Total in-scope noninterest income
$50M-3.8%
Bank of Marin Bancorp logo
BMRCMerchant interchange fees, net — Wealth management and trust services, service charges on deposit accounts, debit card interchange fees, net and merchant interchange fees, net
$118K+22.9%
Simmons First National logo
SFNCDebit and credit card fees — Non-interest income
$8.5M+0.7%
U.S. Bancorp logo
USBPayment Services — Noninterest income
$925M+1.4%
Mercantile Bank Corporation logo
MBWMMercantile Bank — Noninterest Income
$11.07M—
BOK Financial logo
BOKFMerchant services revenue — Total fees and commissions revenue
$2.44M+11.9%

Other financials

Income statement

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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

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

Returns & leverage

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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 merchant services, net — noninterest income?
First Citizens BancShares (FCNCA) reported merchant services, net — noninterest income of $13M in Q1 2026.
How has First Citizens BancShares's merchant services, net — noninterest income changed year-over-year?
First Citizens BancShares's merchant services, net — noninterest income decreased by 7.1% year-over-year, from $14M to $13M.
What is the long-term trend for First Citizens BancShares's merchant services, net — noninterest income?
Over 4 years (2021 to 2025), First Citizens BancShares's merchant services, net — noninterest income has grown at a 12.0% compound annual growth rate (CAGR), from $33M to $52M.
What does merchant services, net — noninterest income mean?
This metric represents the net noninterest income generated from merchant services, which includes fees earned from processing credit and debit card transactions for business clients. It reflects the bank's ability to monetize payment processing infrastructure and provide value-added financial services to its commercial customer base. This income stream is a key component of the bank's noninterest revenue diversification strategy.