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

NASDAQ:FCNCA • US31946M1036

2057.64 USD
+12.34 (+0.6%)
Last: Feb 20, 2026, 02:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, FCNCA scores 3 out of 10 in our fundamental rating. FCNCA was compared to 381 industry peers in the Banks industry. FCNCA has a bad profitability rating. Also its financial health evaluation is rather negative. FCNCA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

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.
  • The reported operating cash flow has been mixed in the past 5 years: FCNCA reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

1.2 Ratios

  • FCNCA has a Return On Assets of 0.97%. This is comparable to the rest of the industry: FCNCA outperforms 56.43% of its industry peers.
  • The Return On Equity of FCNCA (10.32%) is better than 65.35% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 10.32%
ROIC N/A
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.18%
ROE(5y)19.51%
ROIC(3y)N/A
ROIC(5y)N/A
FCNCA Yearly ROA, ROE, ROICFCNCA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • The Profit Margin of FCNCA (23.84%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of FCNCA has declined.
  • 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) 23.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.98%
PM growth 5Y-2.54%
GM growth 3YN/A
GM growth 5YN/A
FCNCA Yearly Profit, Operating, Gross MarginsFCNCA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
FCNCA Yearly Shares OutstandingFCNCA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
FCNCA Yearly Total Debt VS Total AssetsFCNCA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

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's Debt to FCF ratio of 25.61 is on the low side compared to the rest of the industry. FCNCA is outperformed by 83.20% of its industry peers.
  • FCNCA has a Debt/Equity ratio of 1.82. This is a high value indicating a heavy dependency on external financing.
  • FCNCA has a worse Debt to Equity ratio (1.82) than 87.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 25.61
Altman-Z N/A
ROIC/WACCN/A
WACC11.5%
FCNCA Yearly LT Debt VS Equity VS FCFFCNCA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for FCNCA have decreased strongly by -13.21% in the last year.
  • The Earnings Per Share has been growing by 28.44% 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 -2.22%.
  • FCNCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.61% yearly.
EPS 1Y (TTM)-13.21%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%1.57%
Revenue 1Y (TTM)-2.22%
Revenue growth 3Y23.36%
Revenue growth 5Y38.61%
Sales Q2Q%1.2%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.39% on average over the next years. This is quite good.
  • FCNCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.17% yearly.
EPS Next Y8.97%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
EPS Next 5Y12.39%
Revenue Next Year-2.12%
Revenue Next 2Y1.2%
Revenue Next 3Y1.17%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • 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.
FCNCA Yearly Revenue VS EstimatesFCNCA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FCNCA Yearly EPS VS EstimatesFCNCA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 50 100 150 200 250

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.17, which indicates a correct valuation of FCNCA.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCNCA is on the same level as its industry peers.
  • FCNCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
  • A Price/Forward Earnings ratio of 11.17 indicates a reasonable valuation of FCNCA.
  • FCNCA's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.98, FCNCA is valued rather cheaply.
Industry RankSector Rank
PE 12.17
Fwd PE 11.17
FCNCA Price Earnings VS Forward Price EarningsFCNCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 62.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.99
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.36
PEG (5Y)0.43
EPS Next 2Y11.52%
EPS Next 3Y11.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • FCNCA has a yearly dividend return of 0.42%, which is pretty low.
  • With a Dividend Yield of 0.42, FCNCA pays less dividend than the industry average, which is at 2.78. 86.88% of the companies listed in the same industry pay a better dividend than FCNCA!
  • With a Dividend Yield of 0.42, FCNCA pays less dividend than the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 0.42%

5.2 History

  • On average, the dividend of FCNCA grows each year by 48.04%, which is quite nice.
  • 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
FCNCA Yearly Dividends per shareFCNCA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • FCNCA pays out 7.19% of its income as dividend. This is a sustainable payout ratio.
  • FCNCA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP7.19%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
FCNCA Yearly Income VS Free CF VS DividendFCNCA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B
FCNCA Dividend Payout.FCNCA Dividend Payout, showing the Payout Ratio.FCNCA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (2/20/2026, 2:40:21 PM)

2057.64

+12.34 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-22
Inst Owners65.48%
Inst Owner Change-1.06%
Ins Owners23.3%
Ins Owner Change0.37%
Market Cap24.98B
Revenue(TTM)9.54B
Net Income(TTM)2.27B
Analysts78.18
Price Target2342.38 (13.84%)
Short Float %5.81%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield 0.42%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP7.19%
Div Incr Years8
Div Non Decr Years34
Ex-Date02-27
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)4.55%
PT rev (3m)6.75%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)0.55%
EPS NY rev (1m)-3.86%
EPS NY rev (3m)-3.4%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)-1.38%
Revenue NY rev (3m)-0.24%
Valuation
Industry RankSector Rank
PE 12.17
Fwd PE 11.17
P/S 2.63
P/FCF 15.99
P/OCF 8.35
P/B 1.14
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)169.04
EY8.22%
EPS(NY)184.2
Fwd EY8.95%
FCF(TTM)128.67
FCFY6.25%
OCF(TTM)246.46
OCFY11.98%
SpS783.53
BVpS1811.04
TBVpS1765.4
PEG (NY)1.36
PEG (5Y)0.43
Graham Number2624.52
Profitability
Industry RankSector 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)25.18%
ROE(5y)19.51%
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 3Y2.98%
PM growth 5Y-2.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector 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
WACC11.5%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.21%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%1.57%
EPS Next Y8.97%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
EPS Next 5Y12.39%
Revenue 1Y (TTM)-2.22%
Revenue growth 3Y23.36%
Revenue growth 5Y38.61%
Sales Q2Q%1.2%
Revenue Next Year-2.12%
Revenue Next 2Y1.2%
Revenue Next 3Y1.17%
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 1Y23.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.01%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for FIRST CITIZENS BCSHS -CL A?

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 grow by 8.97% 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%.