2169.35 USD
+9.22 (+0.43%)
2169.35 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FCNCA. FCNCA was compared to 383 industry peers in the Banks industry. FCNCA has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, FCNCA is valued expensive at the moment. Finally FCNCA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year FCNCA was profitable.
- FCNCA had a positive operating cash flow in the past year.
- Each year in the past 5 years FCNCA has been profitable.
- Of the past 5 years FCNCA 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.97%, FCNCA is in line with its industry, outperforming 57.70% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 10.32%, FCNCA is in the better half of the industry, outperforming 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 10.32% | ||
| ROIC | N/A |
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.58%
ROE(5y)19.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 23.84%, FCNCA is in line with its industry, outperforming 46.74% of the companies in the same industry.
- In the last couple of years the Profit Margin of FCNCA has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for FCNCA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.03%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FCNCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for FCNCA has been reduced compared to 1 year ago.
- Compared to 5 years ago, FCNCA has more shares outstanding
- FCNCA has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of FCNCA is 25.61, which is on the high side as it means it would take FCNCA, 25.61 years of fcf income to pay off all of its debts.
- FCNCA has a worse Debt to FCF ratio (25.61) than 82.77% of its industry peers.
- FCNCA has a Debt/Equity ratio of 1.82. This is a high value indicating a heavy dependency on external financing.
- FCNCA's Debt to Equity ratio of 1.82 is on the low side compared to the rest of the industry. FCNCA is outperformed by 87.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.82 | ||
| Debt/FCF | 25.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FCNCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.22%.
- Measured over the past years, FCNCA shows a very strong growth in Earnings Per Share. The EPS has been growing by 35.67% on average per year.
- The Revenue has decreased by -2.98% in the past year.
- FCNCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.38% yearly.
EPS 1Y (TTM)-14.22%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-6.08%
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
3.2 Future
- Based on estimates for the next years, FCNCA will show a small growth in Earnings Per Share. The EPS will grow by 3.96% on average per year.
- The Revenue is expected to grow by 0.98% on average over the next years.
EPS Next Y-13.46%
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue Next Year-0.78%
Revenue Next 2Y-0.77%
Revenue Next 3Y0.98%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- FCNCA is valuated correctly with a Price/Earnings ratio of 12.89.
- Compared to the rest of the industry, the Price/Earnings ratio of FCNCA is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of FCNCA to the average of the S&P500 Index (27.38), we can say FCNCA is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.32, which indicates a very decent valuation of FCNCA.
- The rest of the industry has a similar Price/Forward Earnings ratio as FCNCA.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, FCNCA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 69.97% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.36%, FCNCA is a good candidate for dividend investing.
- FCNCA's Dividend Yield is rather good when compared to the industry average which is at 2.87. FCNCA pays more dividend than 93.21% of the companies in the same industry.
- FCNCA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
5.2 History
- On average, the dividend of FCNCA grows each year by 48.04%, which is quite nice.
- FCNCA has been paying a dividend for at least 10 years, so it has a reliable track record.
- FCNCA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)48.04%
Div Incr Years8
Div Non Decr Years34
5.3 Sustainability
- 7.19% of the earnings are spent on dividend by FCNCA. This is a low number and sustainable payout ratio.
- FCNCA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP7.19%
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
2169.35
+9.22 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-23 2026-01-23/bmo
Inst Owners65.48%
Inst Owner Change0.39%
Ins Owners23.3%
Ins Owner Change0.39%
Market Cap29.16B
Revenue(TTM)9.51B
Net Income(TTM)2.27B
Analysts79.09
Price Target2345.57 (8.12%)
Short Float %4.78%
Short Ratio4.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP7.19%
Div Incr Years8
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.14%
Min EPS beat(2)-0.34%
Max EPS beat(2)4.62%
EPS beat(4)2
Avg EPS beat(4)3.17%
Min EPS beat(4)-3.21%
Max EPS beat(4)11.62%
EPS beat(8)4
Avg EPS beat(8)3.71%
EPS beat(12)6
Avg EPS beat(12)2.1%
EPS beat(16)10
Avg EPS beat(16)10.73%
Revenue beat(2)2
Avg Revenue beat(2)2.36%
Min Revenue beat(2)1.5%
Max Revenue beat(2)3.22%
Revenue beat(4)3
Avg Revenue beat(4)1.67%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.22%
Revenue beat(8)4
Avg Revenue beat(8)0.01%
Revenue beat(12)8
Avg Revenue beat(12)1.03%
Revenue beat(16)11
Avg Revenue beat(16)6.26%
PT rev (1m)6.33%
PT rev (3m)0.15%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.19%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)2.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 11.32 | ||
| P/S | 3.07 | ||
| P/FCF | 18.67 | ||
| P/OCF | 9.74 | ||
| P/B | 1.33 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)168.33
EY7.76%
EPS(NY)191.6
Fwd EY8.83%
FCF(TTM)116.22
FCFY5.36%
OCF(TTM)222.62
OCFY10.26%
SpS707.74
BVpS1635.86
TBVpS1594.64
PEG (NY)N/A
PEG (5Y)0.36
Graham Number2489.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 10.32% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.84% | ||
| GM | N/A | ||
| FCFM | 16.42% |
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.58%
ROE(5y)19.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.03%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.82 | ||
| Debt/FCF | 25.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 15.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC11.38%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)13.85%
Cap/Sales(5y)10.87%
Profit Quality(3y)80.75%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.22%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-6.08%
EPS Next Y-13.46%
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
Revenue Next Year-0.78%
Revenue Next 2Y-0.77%
Revenue Next 3Y0.98%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y6.36%
OCF growth 3YN/A
OCF growth 5Y40.78%
FIRST CITIZENS BCSHS -CL A / FCNCA FAQ
What is the ChartMill fundamental rating of FIRST CITIZENS BCSHS -CL A (FCNCA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to FCNCA.
Can you provide the valuation status for FIRST CITIZENS BCSHS -CL A?
ChartMill assigns a valuation rating of 3 / 10 to FIRST CITIZENS BCSHS -CL A (FCNCA). This can be considered as Overvalued.
Can you provide the profitability details for FIRST CITIZENS BCSHS -CL A?
FIRST CITIZENS BCSHS -CL A (FCNCA) has a profitability rating of 3 / 10.
What is the earnings growth outlook for FIRST CITIZENS BCSHS -CL A?
The Earnings per Share (EPS) of FIRST CITIZENS BCSHS -CL A (FCNCA) is expected to decline by -13.46% in the next year.
How sustainable is the dividend of FIRST CITIZENS BCSHS -CL A (FCNCA) stock?
The dividend rating of FIRST CITIZENS BCSHS -CL A (FCNCA) is 8 / 10 and the dividend payout ratio is 7.19%.