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

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

1828.49  -14.37 (-0.78%)

After market: 1828.49 0 (0%)

Fundamental Rating

3

Overall FCNCA gets a fundamental rating of 3 out of 10. We evaluated FCNCA against 396 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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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.
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.
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 1.08%, FCNCA is in the better half of the industry, outperforming 70.96% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.07%, FCNCA is in the better half of the industry, outperforming 78.03% of the companies in the same industry.
Industry RankSector Rank
ROA 1.08%
ROE 11.07%
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 Profit Margin of 25.68%. This is in the better half of the industry: FCNCA outperforms 63.13% 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) 25.68%
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

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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.
Compared to 5 years ago, FCNCA has more shares outstanding
The debt/assets ratio for FCNCA has been reduced compared to a year ago.
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 35.89. This is a negative value and a sign of low solvency as FCNCA would need 35.89 years to pay back of all of its debts.
The Debt to FCF ratio of FCNCA (35.89) is worse than 84.09% of its industry peers.
FCNCA has a Debt/Equity ratio of 1.77. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of FCNCA (1.77) is worse than 89.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 35.89
Altman-Z N/A
ROIC/WACCN/A
WACC11.64%
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

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4

3. Growth

3.1 Past

The earnings per share for FCNCA have decreased strongly by -13.65% in the last year.
The Earnings Per Share has been growing by 35.67% on average over the past years. This is a very strong growth
Looking at the last year, FCNCA shows a decrease in Revenue. The Revenue has decreased by -5.04% in the last year.
The Revenue has been growing by 41.38% on average over the past years. This is a very strong growth!
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

The Earnings Per Share is expected to grow by 3.13% 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 0.80% yearly.
EPS Next Y-14.37%
EPS Next 2Y-0.51%
EPS Next 3Y3.13%
EPS Next 5YN/A
Revenue Next Year-4.75%
Revenue Next 2Y-1.29%
Revenue Next 3Y0.8%
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.
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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.18, the valuation of FCNCA can be described as reasonable.
Based on the Price/Earnings ratio, FCNCA is valued a bit cheaper than 71.46% 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 26.43.
Based on the Price/Forward Earnings ratio of 9.48, the valuation of FCNCA can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FCNCA.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, FCNCA is valued rather cheaply.
Industry RankSector Rank
PE 10.18
Fwd PE 9.48
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

Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than 77.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.71
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

PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2Y-0.51%
EPS Next 3Y3.13%

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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 3.46. 87.12% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.38, FCNCA's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.42%

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 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

FCNCA pays out 6.52% 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.
DP6.52%
EPS Next 2Y-0.51%
EPS Next 3Y3.13%
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

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FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (6/4/2025, 8:24:21 PM)

After market: 1828.49 0 (0%)

1828.49

-14.37 (-0.78%)

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 Change-0.95%
Ins Owners18.56%
Ins Owner Change-50.38%
Market Cap26.13B
Analysts79.05
Price Target2239.83 (22.5%)
Short Float %4.16%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 0.42%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP6.52%
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)4.21%
Min EPS beat(2)-3.21%
Max EPS beat(2)11.62%
EPS beat(4)2
Avg EPS beat(4)3.16%
Min EPS beat(4)-6.04%
Max EPS beat(4)11.62%
EPS beat(8)5
Avg EPS beat(8)6.24%
EPS beat(12)7
Avg EPS beat(12)3.02%
EPS beat(16)11
Avg EPS beat(16)12.19%
Revenue beat(2)1
Avg Revenue beat(2)0.98%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)1.02%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.21%
Revenue beat(8)4
Avg Revenue beat(8)-0.34%
Revenue beat(12)8
Avg Revenue beat(12)3.14%
Revenue beat(16)11
Avg Revenue beat(16)6.14%
PT rev (1m)-4.21%
PT rev (3m)-10.94%
EPS NQ rev (1m)-3.41%
EPS NQ rev (3m)-5.57%
EPS NY rev (1m)-3.74%
EPS NY rev (3m)-4.44%
Revenue NQ rev (1m)-0.94%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)-1.81%
Revenue NY rev (3m)-2.08%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9.48
P/S 2.72
P/FCF 23.71
P/OCF 9.95
P/B 1.17
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)179.63
EY9.82%
EPS(NY)192.79
Fwd EY10.54%
FCF(TTM)77.12
FCFY4.22%
OCF(TTM)183.7
OCFY10.05%
SpS672.64
BVpS1560.18
TBVpS1519.59
PEG (NY)N/A
PEG (5Y)0.29
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 11.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.68%
GM N/A
FCFM 11.46%
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 RankSector Rank
Debt/Equity 1.77
Debt/FCF 35.89
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 15.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 44.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.64%
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-14.37%
EPS Next 2Y-0.51%
EPS Next 3Y3.13%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.04%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%0.13%
Revenue Next Year-4.75%
Revenue Next 2Y-1.29%
Revenue Next 3Y0.8%
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 1Y31.98%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y41.74%
OCF growth 3YN/A
OCF growth 5Y40.78%