FIRST CITIZENS BCSHS -CL A (FCNCA) Fundamental Analysis & Valuation

NASDAQ:FCNCA • US31946M1036

1892.44 USD
-49.73 (-2.56%)
At close: Mar 6, 2026
1892.44 USD
0 (0%)
After Hours: 3/6/2026, 8:15:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FCNCA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FCNCA. FCNCA was compared to 379 industry peers in the Banks industry. FCNCA has a bad profitability rating. Also its financial health evaluation is rather negative. FCNCA has a correct valuation and a medium growth rate. Finally FCNCA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. FCNCA Profitability Analysis

1.1 Basic Checks

  • In the past year FCNCA was profitable.
  • FCNCA had a positive operating cash flow in the past year.
  • In the past 5 years FCNCA has always 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 54.62% of its industry peers.
  • The Return On Equity of FCNCA (10.32%) is better than 64.64% 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

  • FCNCA has a Profit Margin (23.84%) which is comparable to the rest of the industry.
  • FCNCA's Profit Margin has declined 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) 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. FCNCA Health Analysis

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
  • FCNCA has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of FCNCA is 25.61, which is on the high side as it means it would take FCNCA, 25.61 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 25.61, FCNCA is doing worse than 83.64% of the companies in the same industry.
  • FCNCA has a Debt/Equity ratio of 1.82. This is a high value indicating a heavy dependency on external financing.
  • FCNCA has a Debt to Equity ratio of 1.82. This is amonst the worse of the industry: FCNCA underperforms 88.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 25.61
Altman-Z N/A
ROIC/WACCN/A
WACC11.66%
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. FCNCA Growth Analysis

3.1 Past

  • The earnings per share for FCNCA have decreased strongly by -13.21% in the last year.
  • FCNCA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.44% yearly.
  • Looking at the last year, FCNCA shows a decrease in Revenue. The Revenue has decreased by -2.22% in the last year.
  • Measured over the past years, FCNCA shows a very strong growth in Revenue. The Revenue has been growing by 38.61% on average per year.
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

  • FCNCA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.39% yearly.
  • The Revenue is expected to grow by 2.73% on average over the next years.
EPS Next Y8.97%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
EPS Next 5Y12.39%
Revenue Next Year-1.32%
Revenue Next 2Y1.63%
Revenue Next 3Y2.73%
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.
  • 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 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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4

4. FCNCA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.20, the valuation of FCNCA can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as FCNCA.
  • The average S&P500 Price/Earnings ratio is at 26.29. FCNCA is valued rather cheaply when compared to this.
  • FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 10.27.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FCNCA.
  • When comparing the Price/Forward Earnings ratio of FCNCA to the average of the S&P500 Index (24.57), we can say FCNCA is valued rather cheaply.
Industry RankSector Rank
PE 11.2
Fwd PE 10.27
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

  • 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 64.12% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.71
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)1.25
PEG (5Y)0.39
EPS Next 2Y11.52%
EPS Next 3Y11.75%

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

8

5. FCNCA Dividend Analysis

5.1 Amount

  • FCNCA has a Yearly Dividend Yield of 6.08%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, FCNCA pays a better dividend. On top of this FCNCA pays more dividend than 93.40% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, FCNCA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.08%

5.2 History

  • The dividend of FCNCA is nicely growing with an annual growth rate of 33.88%!
  • FCNCA has paid a dividend for at least 10 years, which is 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)33.88%
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

  • 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 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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FCNCA Fundamentals: All Metrics, Ratios and Statistics

FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (3/6/2026, 8:15:41 PM)

After market: 1892.44 0 (0%)

1892.44

-49.73 (-2.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-22
Inst Owners65.48%
Inst Owner Change-1.36%
Ins Owners23.3%
Ins Owner Change0.37%
Market Cap22.97B
Revenue(TTM)9.54B
Net Income(TTM)2.27B
Analysts78.18
Price Target2342.69 (23.79%)
Short Float %5.58%
Short Ratio4.75
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
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)-0.12%
PT rev (3m)6.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.31%
EPS NY rev (1m)-3.99%
EPS NY rev (3m)-3.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 11.2
Fwd PE 10.27
P/S 2.42
P/FCF 14.71
P/OCF 7.68
P/B 1.04
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)169.04
EY8.93%
EPS(NY)184.2
Fwd EY9.73%
FCF(TTM)128.67
FCFY6.8%
OCF(TTM)246.46
OCFY13.02%
SpS783.53
BVpS1811.04
TBVpS1765.4
PEG (NY)1.25
PEG (5Y)0.39
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
WACC11.66%
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-1.32%
Revenue Next 2Y1.63%
Revenue Next 3Y2.73%
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 8 / 10 and the dividend payout ratio is 7.19%.