2032.76 USD
+52.71 (+2.66%)
2039.29 USD
+6.53 (+0.32%)
FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FCNCA has a bad profitability rating. Also its financial health evaluation is rather negative. FCNCA is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- FCNCA had positive earnings in the past year.
- FCNCA had a positive operating cash flow in the past year.
- In the past 5 years FCNCA has always been profitable.
- In multiple years FCNCA reported negative operating cash flow during the last 5 years.
1.2 Ratios
- FCNCA's Return On Assets of 0.97% is in line compared to the rest of the industry. FCNCA outperforms 57.18% of its industry peers.
- FCNCA has a better Return On Equity (10.32%) than 65.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 10.32% | ||
| ROIC | N/A |
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.18%
ROE(5y)19.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 23.84%, FCNCA perfoms like the industry average, outperforming 46.74% of the companies in the same industry.
- FCNCA's Profit Margin has declined in the last couple of years.
- FCNCA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.98%
PM growth 5Y-2.54%
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.
- FCNCA has more shares outstanding than it did 5 years ago.
- 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.
- The Debt to FCF ratio of FCNCA (25.61) is worse than 82.77% of its industry peers.
- A Debt/Equity ratio of 1.82 is on the high side and indicates that FCNCA has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 1.82, FCNCA is doing worse than 87.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.82 | ||
| Debt/FCF | 25.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FCNCA have decreased strongly by -13.21% in the last year.
- Measured over the past years, FCNCA shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.44% on average per year.
- Looking at the last year, FCNCA shows a decrease in Revenue. The Revenue has decreased by -2.22% in the last year.
- The Revenue has been growing by 38.61% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-13.21%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%1.57%
Revenue 1Y (TTM)-2.22%
Revenue growth 3Y23.36%
Revenue growth 5Y38.61%
Sales Q2Q%1.2%
3.2 Future
- The Earnings Per Share is expected to grow by 13.04% on average over the next years. This is quite good.
- The Revenue is expected to grow by 3.16% on average over the next years.
EPS Next Y13.49%
EPS Next 2Y13.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.75%
Revenue Next 2Y1.86%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.03, FCNCA is valued correctly.
- FCNCA's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.39. FCNCA is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 10.60 indicates a reasonable valuation of FCNCA.
- FCNCA's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of FCNCA to the average of the S&P500 Index (25.72), we can say FCNCA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 10.6 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 68.15% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FCNCA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as FCNCA's earnings are expected to grow with 13.04% in the coming years.
PEG (NY)0.89
PEG (5Y)0.42
EPS Next 2Y13.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FCNCA has a yearly dividend return of 0.42%, which is pretty low.
- With a Dividend Yield of 0.42, FCNCA pays less dividend than the industry average, which is at 2.65. 86.16% of the companies listed in the same industry pay a better dividend than FCNCA!
- Compared to an average S&P500 Dividend Yield of 1.82, FCNCA's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.42% |
5.2 History
- The dividend of FCNCA is nicely growing with an annual growth rate of 48.04%!
- FCNCA has paid a dividend for at least 10 years, which is 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
- FCNCA pays out 7.19% of its income as dividend. This is a sustainable payout ratio.
- The dividend of FCNCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP7.19%
EPS Next 2Y13.04%
EPS Next 3YN/A
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 4 / 10 to FIRST CITIZENS BCSHS -CL A (FCNCA). This can be considered as Fairly Valued.
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 grow by 13.49% 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 5 / 10 and the dividend payout ratio is 7.19%.