2180.48 USD
-2.64 (-0.12%)
2180.48 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FCNCA. FCNCA was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FCNCA have multiple concerns. FCNCA is quite expensive at the moment. It does show a decent growth rate. FCNCA also has an excellent dividend rating.
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.
FCNCA had positive earnings in each of the past 5 years.
Of the past 5 years FCNCA 4 years had a positive operating cash flow.
1.2 Ratios
FCNCA has a Return On Assets (0.97%) which is comparable to the rest of the industry.
The Return On Equity of FCNCA (10.32%) is better than 65.46% 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
FCNCA has a Profit Margin (23.84%) which is comparable to the rest of the industry.
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) | 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.
FCNCA has less shares outstanding than it did 1 year ago.
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
FCNCA has a debt to FCF ratio of 25.61. This is a negative value and a sign of low solvency as FCNCA would need 25.61 years to pay back of all of its debts.
FCNCA has a worse Debt to FCF ratio (25.61) than 83.25% 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 88.14% 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
WACC11.37%
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%.
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.
The Revenue has decreased by -2.98% in the past year.
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
FCNCA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.96% yearly.
FCNCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.93% yearly.
EPS Next Y-13.46%
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue Next Year-1.01%
Revenue Next 2Y-0.9%
Revenue Next 3Y0.93%
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
FCNCA is valuated correctly with a Price/Earnings ratio of 12.95.
FCNCA's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.92. FCNCA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.38, which indicates a very decent valuation of FCNCA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.46. FCNCA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.95 | ||
| Fwd PE | 11.38 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 70.62% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.61%, FCNCA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, FCNCA pays a better dividend. On top of this FCNCA pays more dividend than 95.88% of the companies listed in the same industry.
FCNCA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.61% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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-0.81%
EPS Next 3Y3.96%
2180.48
-2.64 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.49%
Inst Owner Change-8.67%
Ins Owners23.3%
Ins Owner Change0.39%
Market Cap29.31B
Revenue(TTM)9.51B
Net Income(TTM)2.27B
Analysts79.09
Price Target2240.47 (2.75%)
Short Float %4.76%
Short Ratio3.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.61% |
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)1.93%
PT rev (3m)-4.34%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)-0.18%
EPS NY rev (1m)0.2%
EPS NY rev (3m)-0.19%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.95 | ||
| Fwd PE | 11.38 | ||
| P/S | 3.08 | ||
| P/FCF | 18.76 | ||
| P/OCF | 9.79 | ||
| P/B | 1.33 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)168.33
EY7.72%
EPS(NY)191.6
Fwd EY8.79%
FCF(TTM)116.22
FCFY5.33%
OCF(TTM)222.62
OCFY10.21%
SpS707.74
BVpS1635.86
TBVpS1594.64
PEG (NY)N/A
PEG (5Y)0.36
Graham Number2489.12
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
WACC11.37%
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-13.46%
EPS Next 2Y-0.81%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
Revenue Next Year-1.01%
Revenue Next 2Y-0.9%
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 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 3 / 10 to FIRST CITIZENS BCSHS -CL A (FCNCA). This can be considered as Overvalued.
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 -13.46% 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%.