FIRST CITIZENS BCSHS -CL A (FCNCA) Stock Fundamental Analysis
USA - NASDAQ:FCNCA - US31946M1036 - Common Stock
1845.3 USD
+20.32 (+1.11%)
1845.3 USD
0 (0%)
FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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.
FCNCA had a positive operating cash flow in the past year.
FCNCA had positive earnings in each of the past 5 years.
FCNCA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FCNCA's Return On Assets of 1.02% is fine compared to the rest of the industry. FCNCA outperforms 64.95% of its industry peers.
Looking at the Return On Equity, with a value of 10.49%, FCNCA is in the better half of the industry, outperforming 70.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 10.49% | ||
| 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
FCNCA has a Profit Margin (24.55%) which is in line with its industry peers.
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) | 24.55% | ||
| 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
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 25.43, which is on the high side as it means it would take FCNCA, 25.43 years of fcf income to pay off all of its debts.
FCNCA's Debt to FCF ratio of 25.43 is on the low side compared to the rest of the industry. FCNCA is outperformed by 82.99% of its industry peers.
FCNCA has a Debt/Equity ratio of 1.76. This is a high value indicating a heavy dependency on external financing.
FCNCA has a worse Debt to Equity ratio (1.76) than 88.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | 25.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.55%
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
The Revenue has decreased by -2.98% in the past year.
The Revenue has been growing by 41.38% on average over the past years. This is a very strong growth!
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.
Based on estimates for the next years, FCNCA will show a small growth in Revenue. The Revenue will grow by 0.76% on average per year.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 10.96, the valuation of FCNCA can be described as very reasonable.
61.60% of the companies in the same industry are more expensive than FCNCA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FCNCA to the average of the S&P500 Index (25.89), we can say FCNCA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.68, the valuation of FCNCA can be described as reasonable.
FCNCA's Price/Forward Earnings is on the same level as the industry average.
FCNCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
FCNCA's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FCNCA is more expensive than 63.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.68 | ||
| 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 0.47%, FCNCA is not a good candidate for dividend investing.
With a Dividend Yield of 0.47, FCNCA pays less dividend than the industry average, which is at 3.38. 85.82% of the companies listed in the same industry pay a better dividend than FCNCA!
With a Dividend Yield of 0.47, FCNCA pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.47% |
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
6.93% 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.
DP6.93%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
1845.3
+20.32 (+1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.23%
Inst Owner Change0.95%
Ins Owners22.35%
Ins Owner Change0.02%
Market Cap25.71B
Revenue(TTM)9.51B
Net Income(TTM)2.34B
Analysts78.18
Price Target2194.18 (18.91%)
Short Float %4.26%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.47% |
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP6.93%
Div Incr Years8
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.71%
Min EPS beat(2)-3.21%
Max EPS beat(2)4.62%
EPS beat(4)2
Avg EPS beat(4)1.75%
Min EPS beat(4)-6.04%
Max EPS beat(4)11.62%
EPS beat(8)5
Avg EPS beat(8)5.42%
EPS beat(12)7
Avg EPS beat(12)2.72%
EPS beat(16)11
Avg EPS beat(16)10.93%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)1.5%
Revenue beat(4)2
Avg Revenue beat(4)0.74%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.21%
Revenue beat(8)4
Avg Revenue beat(8)-0.29%
Revenue beat(12)8
Avg Revenue beat(12)2.12%
Revenue beat(16)11
Avg Revenue beat(16)6.08%
PT rev (1m)-6.31%
PT rev (3m)-6.19%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-2.36%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)2.25%
Revenue NY rev (3m)2.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.68 | ||
| P/S | 2.7 | ||
| P/FCF | 16.68 | ||
| P/OCF | 8.38 | ||
| P/B | 1.15 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)168.33
EY9.12%
EPS(NY)190.69
Fwd EY10.33%
FCF(TTM)110.63
FCFY5.99%
OCF(TTM)220.17
OCFY11.93%
SpS683.78
BVpS1600.57
TBVpS1559.87
PEG (NY)N/A
PEG (5Y)0.31
Graham Number2462.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 10.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.55% | ||
| GM | N/A | ||
| FCFM | 16.18% |
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-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | 25.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 16.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 65.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.55%
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 1Y80.87%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y45.08%
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 6.93%.