1877.8 USD
+22.22 (+1.2%)
1877.8 USD
0 (0%)
FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FCNCA has a bad profitability rating. Also its financial health evaluation is rather negative. FCNCA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year FCNCA was profitable.
In the past year FCNCA had a positive cash flow from operations.
In the past 5 years FCNCA has always been profitable.
Of the past 5 years FCNCA 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.97%, FCNCA perfoms like the industry average, outperforming 57.62% of the companies in the same industry.
FCNCA has a Return On Equity of 10.32%. This is in the better half of the industry: FCNCA outperforms 65.89% 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)25.58%
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 47.80% of the companies in the same industry.
FCNCA's Profit Margin has been stable 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 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.
Compared to 1 year ago, FCNCA has less shares outstanding
Compared to 5 years ago, FCNCA has more shares outstanding
Compared to 1 year ago, FCNCA has an improved debt to assets ratio.
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's Debt to FCF ratio of 25.61 is on the low side compared to the rest of the industry. FCNCA is outperformed by 83.46% 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.
The Debt to Equity ratio of FCNCA (1.82) is worse than 88.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.82 | ||
| Debt/FCF | 25.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.47%
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%.
The Earnings Per Share has been growing by 35.67% on average over the past years. This is a very strong growth
FCNCA shows a decrease in Revenue. In the last year, the revenue decreased by -2.98%.
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 4.33% on average per year.
The Revenue is expected to grow by 0.76% on average over the next years.
EPS Next Y-13.63%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
EPS Next 5YN/A
Revenue Next Year-1.37%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.76%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
The Price/Earnings ratio is 11.16, which indicates a very decent valuation of FCNCA.
Based on the Price/Earnings ratio, FCNCA is valued a bit cheaper than the industry average as 60.98% of the companies are valued more expensively.
FCNCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
The Price/Forward Earnings ratio is 9.85, which indicates a very decent valuation of FCNCA.
The rest of the industry has a similar Price/Forward Earnings ratio as FCNCA.
FCNCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 9.85 |
4.2 Price Multiples
66.67% of the companies in the same industry are cheaper than FCNCA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
5. Dividend
5.1 Amount
With a yearly dividend of 0.46%, FCNCA is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, FCNCA's dividend is way lower than its industry peers. On top of this 85.79% of the companies listed in the same industry pay a better dividend than FCNCA!
With a Dividend Yield of 0.46, FCNCA pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.46% |
5.2 History
The dividend of FCNCA is nicely growing with an annual growth rate of 48.04%!
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.
The dividend of FCNCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP7.19%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
1877.8
+22.22 (+1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.23%
Inst Owner Change-8.68%
Ins Owners22.35%
Ins Owner Change0.39%
Market Cap26.16B
Revenue(TTM)9.51B
Net Income(TTM)2.27B
Analysts78.18
Price Target2198.1 (17.06%)
Short Float %4.28%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.46% |
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP7.19%
Div Incr Years8
Div Non Decr Years34
Ex-Date
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)-6.15%
PT rev (3m)-6.02%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-0.13%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)2.65%
Revenue NY rev (3m)2.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 9.85 | ||
| P/S | 2.75 | ||
| P/FCF | 16.75 | ||
| P/OCF | 8.74 | ||
| P/B | 1.19 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)168.33
EY8.96%
EPS(NY)190.69
Fwd EY10.15%
FCF(TTM)112.13
FCFY5.97%
OCF(TTM)214.79
OCFY11.44%
SpS682.84
BVpS1578.32
TBVpS1538.55
PEG (NY)N/A
PEG (5Y)0.31
Graham Number2444.95
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
WACC11.47%
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-13.63%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
Revenue Next Year-1.37%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.76%
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.
What is the valuation status for FCNCA stock?
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 decline by -13.63% 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%.