Logo image of FCNCA

FIRST CITIZENS BCSHS -CL A (FCNCA) Stock Fundamental Analysis

NASDAQ:FCNCA - Nasdaq - US31946M1036 - Common Stock - Currency: USD

1841.6  +11.38 (+0.62%)

Fundamental Rating

3

FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. While FCNCA is still in line with the averages on profitability rating, there are concerns on its financial health. FCNCA has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
FCNCA had a positive operating cash flow in 4 of the past 5 years.
FCNCA Yearly Net Income VS EBIT VS OCF VS FCFFCNCA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.21%, FCNCA is in the better half of the industry, outperforming 78.59% of the companies in the same industry.
Looking at the Return On Equity, with a value of 12.22%, FCNCA belongs to the top of the industry, outperforming 83.38% of the companies in the same industry.
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
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
FCNCA Yearly ROA, ROE, ROICFCNCA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

FCNCA has a better Profit Margin (27.83%) than 75.82% of 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 RankSector Rank
OM N/A
PM (TTM) 27.83%
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
FCNCA Yearly Profit, Operating, Gross MarginsFCNCA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

1

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.
The number of shares outstanding for FCNCA has been increased compared to 5 years ago.
FCNCA has a better debt/assets ratio than last year.
FCNCA Yearly Shares OutstandingFCNCA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
FCNCA Yearly Total Debt VS Total AssetsFCNCA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

FCNCA has a debt to FCF ratio of 26.20. This is a negative value and a sign of low solvency as FCNCA would need 26.20 years to pay back of all of its debts.
FCNCA has a Debt to FCF ratio of 26.20. This is amonst the worse of the industry: FCNCA underperforms 84.38% of its industry peers.
FCNCA has a Debt/Equity ratio of 1.71. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of FCNCA (1.71) is worse than 88.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Altman-Z N/A
ROIC/WACCN/A
WACC11.62%
FCNCA Yearly LT Debt VS Equity VS FCFFCNCA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCNCA Yearly Current Assets VS Current LiabilitesFCNCA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

More info and screens

4

3. Growth

3.1 Past

FCNCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.65%.
FCNCA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 35.67% yearly.
FCNCA shows a decrease in Revenue. In the last year, the revenue decreased by -5.04%.
FCNCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.38% yearly.
EPS 1Y (TTM)-13.65%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-28.59%
Revenue 1Y (TTM)-5.04%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%0.13%

3.2 Future

FCNCA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.66% yearly.
Based on estimates for the next years, FCNCA will show a small growth in Revenue. The Revenue will grow by 0.93% on average per year.
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue Next Year-2.99%
Revenue Next 2Y-0.38%
Revenue Next 3Y0.93%
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.
FCNCA Yearly Revenue VS EstimatesFCNCA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
FCNCA Yearly EPS VS EstimatesFCNCA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 50 100 150 200

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.25 indicates a reasonable valuation of FCNCA.
Based on the Price/Earnings ratio, FCNCA is valued a bit cheaper than 73.55% of the companies in the same industry.
FCNCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.
FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 9.38.
Based on the Price/Forward Earnings ratio, FCNCA is valued a bit cheaper than the industry average as 60.96% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 20.44. FCNCA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.25
Fwd PE 9.38
FCNCA Price Earnings VS Forward Price EarningsFCNCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCNCA indicates a slightly more expensive valuation: FCNCA is more expensive than 70.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.28
EV/EBITDA N/A
FCNCA Per share dataFCNCA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2Y0.38%
EPS Next 3Y3.66%

More info and screens

5

5. Dividend

5.1 Amount

FCNCA has a yearly dividend return of 0.44%, which is pretty low.
Compared to an average industry Dividend Yield of 3.49, FCNCA's dividend is way lower than its industry peers. On top of this 86.90% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.44, FCNCA's dividend is way lower than the S&P500 average.
Industry RankSector 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
FCNCA Yearly Dividends per shareFCNCA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

5.82% 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.
DP5.82%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
FCNCA Yearly Income VS Free CF VS DividendFCNCA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B
FCNCA Dividend Payout.FCNCA Dividend Payout, showing the Payout Ratio.FCNCA Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (5/9/2025, 9:46:23 PM)

1841.6

+11.38 (+0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners63.02%
Inst Owner Change0.61%
Ins Owners18.56%
Ins Owner Change-175.76%
Market Cap26.56B
Analysts79.05
Price Target2338.18 (26.96%)
Short Float %4.11%
Short Ratio4.11
Dividend
Industry RankSector Rank
Dividend Yield 0.44%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP5.82%
Div Incr Years8
Div Non Decr Years34
Ex-Date05-30 2025-05-30 (1.95)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.79%
Min EPS beat(2)-6.04%
Max EPS beat(2)11.62%
EPS beat(4)3
Avg EPS beat(4)8.6%
Min EPS beat(4)-6.04%
Max EPS beat(4)18.54%
EPS beat(8)5
Avg EPS beat(8)6.23%
EPS beat(12)8
Avg EPS beat(12)6.1%
EPS beat(16)12
Avg EPS beat(16)13.68%
Revenue beat(2)1
Avg Revenue beat(2)1.36%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-5.4%
Max Revenue beat(4)3.21%
Revenue beat(8)5
Avg Revenue beat(8)0.13%
Revenue beat(12)9
Avg Revenue beat(12)8.07%
Revenue beat(16)11
Avg Revenue beat(16)6.2%
PT rev (1m)-4.03%
PT rev (3m)-6.61%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)-0.82%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)-0.43%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)2.5%
Valuation
Industry RankSector Rank
PE 10.25
Fwd PE 9.38
P/S 2.72
P/FCF 18.28
P/OCF 8.89
P/B 1.19
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)179.63
EY9.75%
EPS(NY)196.24
Fwd EY10.66%
FCF(TTM)100.76
FCFY5.47%
OCF(TTM)207.21
OCFY11.25%
SpS676.7
BVpS1541.47
TBVpS1500.21
PEG (NY)N/A
PEG (5Y)0.29
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.83%
GM N/A
FCFM 14.89%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 15.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 53.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.62%
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)-13.65%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-28.59%
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.04%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%0.13%
Revenue Next Year-2.99%
Revenue Next 2Y-0.38%
Revenue Next 3Y0.93%
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 1Y17.94%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y12.33%
OCF growth 3YN/A
OCF growth 5Y40.78%