FIRST CITIZENS BCSHS -CL A (FCNCA) Stock Fundamental Analysis
USA - NASDAQ:FCNCA - US31946M1036 - Common Stock
1691.51 USD
-54.75 (-3.14%)
Taking everything into account, FCNCA scores 3 out of 10 in our fundamental rating. FCNCA was compared to 391 industry peers in the Banks industry. FCNCA may be in some trouble as it scores bad on both profitability and health. FCNCA has a correct valuation and a medium growth rate.
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.
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
Looking at the Return On Assets, with a value of 1.02%, FCNCA is in the better half of the industry, outperforming 65.22% of the companies in the same industry.
With a decent Return On Equity value of 10.49%, FCNCA is doing good in the industry, outperforming 71.87% 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's Profit Margin of 24.55% is in line compared to the rest of the industry. FCNCA outperforms 54.48% of its industry peers.
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) | 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.
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.
The debt/assets ratio for FCNCA has been reduced compared to a year ago.
2.2 Solvency
FCNCA has a debt to FCF ratio of 25.43. This is a negative value and a sign of low solvency as FCNCA would need 25.43 years to pay back of all of its debts.
FCNCA has a Debt to FCF ratio of 25.43. This is amonst the worse of the industry: FCNCA underperforms 83.63% 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 Debt to Equity ratio of 1.76. This is amonst the worse of the industry: FCNCA underperforms 88.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | 25.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.72%
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 -17.05% 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 35.67% on average per year.
FCNCA shows a decrease in Revenue. In the last year, the revenue decreased by -4.40%.
FCNCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.38% yearly.
EPS 1Y (TTM)-17.05%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-16.73%
Revenue 1Y (TTM)-4.4%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-3.54%
3.2 Future
The Earnings Per Share is expected to grow by 3.90% on average over the next years.
FCNCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.98% yearly.
EPS Next Y-13.29%
EPS Next 2Y-0.54%
EPS Next 3Y3.9%
EPS Next 5YN/A
Revenue Next Year-3.54%
Revenue Next 2Y-0.69%
Revenue Next 3Y0.98%
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.
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
The Price/Earnings ratio is 9.88, which indicates a very decent valuation of FCNCA.
75.45% of the companies in the same industry are more expensive than FCNCA, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.53. FCNCA is valued rather cheaply when compared to this.
FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 8.78.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCA indicates a somewhat cheap valuation: FCNCA is cheaper than 65.73% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.04. FCNCA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.78 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 62.40% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-0.54%
EPS Next 3Y3.9%
5. Dividend
5.1 Amount
With a yearly dividend of 0.44%, FCNCA is not a good candidate for dividend investing.
With a Dividend Yield of 0.44, FCNCA pays less dividend than the industry average, which is at 3.55. 85.93% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.40, FCNCA's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.44% |
5.2 History
On average, the dividend of FCNCA grows each year by 48.04%, which is quite nice.
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
6.93% 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.
DP6.93%
EPS Next 2Y-0.54%
EPS Next 3Y3.9%
NASDAQ:FCNCA (10/16/2025, 12:02:53 PM)
1691.51
-54.75 (-3.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.23%
Inst Owner Change0%
Ins Owners22.35%
Ins Owner Change0.45%
Market Cap23.56B
Analysts78.26
Price Target2342.08 (38.46%)
Short Float %3.98%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.44% |
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)0.13%
PT rev (3m)4.79%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)1.48%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.78 | ||
| P/S | 2.47 | ||
| P/FCF | 15.29 | ||
| P/OCF | 7.68 | ||
| P/B | 1.06 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)171.12
EY10.12%
EPS(NY)192.65
Fwd EY11.39%
FCF(TTM)110.63
FCFY6.54%
OCF(TTM)220.17
OCFY13.02%
SpS683.78
BVpS1600.57
TBVpS1559.87
PEG (NY)N/A
PEG (5Y)0.28
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC11.72%
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)-17.05%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-16.73%
EPS Next Y-13.29%
EPS Next 2Y-0.54%
EPS Next 3Y3.9%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.4%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-3.54%
Revenue Next Year-3.54%
Revenue Next 2Y-0.69%
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 1Y80.87%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y45.08%
OCF growth 3YN/A
OCF growth 5Y40.78%