FCNCA Fundamental Analysis - FIRST CITIZENS BCSHS -CL A

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FCNCA. FCNCA was compared to 392 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.

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1. Profitability

1.1 Basic Checks

FCNCA had positive earnings in the past year.

In the past year FCNCA had a positive cash flow from operations.

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 of 1.08%. This is in the better half of the industry: FCNCA outperforms 71.68% of its industry peers.

FCNCA has a Return On Equity of 11.07%. This is in the better half of the industry: FCNCA outperforms 78.06% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 25.68%, FCNCA is doing good in the industry, outperforming 63.27% of the companies in the same industry.

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, FCNCA has an improved debt to assets ratio.

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.

FCNCA has a Debt to FCF ratio of 35.89. This is amonst the worse of the industry: FCNCA underperforms 83.42% of its industry peers.

A Debt/Equity ratio of 1.77 is on the high side and indicates that FCNCA has dependencies on debt financing.

With a Debt to Equity ratio value of 1.77, FCNCA is not doing good in the industry: 89.54% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.77
Debt/FCF	35.89
Altman-Z	N/A

ROIC/WACCN/A

WACC11.23%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FCNCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.05%.

The Earnings Per Share has been growing by 35.67% on average over the past years. This is a very strong growth

The Revenue has decreased by -4.40% 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)-17.05%

EPS 3Y53.47%

EPS 5Y35.67%

EPS Q2Q%-16.73%

Revenue 1Y (TTM)-4.4%

Revenue growth 3Y72.58%

Revenue growth 5Y41.38%

Sales Q2Q%-3.54%

3.2 Future

FCNCA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.57% yearly.

The Revenue is expected to grow by 1.02% on average over the next years.

EPS Next Y-13.77%

EPS Next 2Y-0.32%

EPS Next 3Y3.57%

EPS Next 5YN/A

Revenue Next Year-3.62%

Revenue Next 2Y-0.67%

Revenue Next 3Y1.02%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.88, which indicates a very decent valuation of FCNCA.

61.73% of the companies in the same industry are more expensive than FCNCA, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of FCNCA to the average of the S&P500 Index (27.03), we can say FCNCA is valued rather cheaply.

FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 9.63.

FCNCA's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 36.28. FCNCA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.88
Fwd PE	9.63

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than 76.53% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	23.8
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.31

EPS Next 2Y-0.32%

EPS Next 3Y3.57%

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5. Dividend

5.1 Amount

FCNCA has a yearly dividend return of 0.39%, which is pretty low.

Compared to an average industry Dividend Yield of 3.51, FCNCA's dividend is way lower than its industry peers. On top of this 86.99% of the companies listed in the same industry pay a better dividend than FCNCA!

Compared to an average S&P500 Dividend Yield of 2.40, FCNCA's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.39%

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

5.3 Sustainability

6.52% of the earnings are spent on dividend by FCNCA. This is a low number and 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-0.32%

EPS Next 3Y3.57%

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FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (8/5/2025, 4:44:09 PM)

After market: 1862.62 0 (0%)

1862.62

-21.21 (-1.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners68.98%

Inst Owner Change-1.91%

Ins Owners21.68%

Ins Owner Change-50.25%

Market Cap26.23B

Analysts78.26

Price Target2264.4 (21.57%)

Short Float %4.73%

Short Ratio5.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.39%

Yearly Dividend11.19

Dividend Growth(5Y)48.04%

DP6.52%

Div Incr Years8

Div Non Decr Years34

Ex-Date08-29 2025-08-29 (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)1.32%

PT rev (3m)-3.16%

EPS NQ rev (1m)-0.03%

EPS NQ rev (3m)-3.55%

EPS NY rev (1m)0.63%

EPS NY rev (3m)-3.07%

Revenue NQ rev (1m)0.17%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.84%

Revenue NY rev (3m)-0.65%

Valuation

		Industry Rank	Sector Rank
PE	10.88
Fwd PE	9.63
P/S	2.73
P/FCF	23.8
P/OCF	9.99
P/B	1.18
P/tB	1.21
EV/EBITDA	N/A

EPS(TTM)171.12

EY9.19%

EPS(NY)193.5

Fwd EY10.39%

FCF(TTM)78.27

FCFY4.2%

OCF(TTM)186.44

OCFY10.01%

SpS682.67

BVpS1583.45

TBVpS1542.26

PEG (NY)N/A

PEG (5Y)0.31

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.23%

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)-17.05%

EPS 3Y53.47%

EPS 5Y35.67%

EPS Q2Q%-16.73%

EPS Next Y-13.77%

EPS Next 2Y-0.32%

EPS Next 3Y3.57%

EPS Next 5YN/A

Revenue 1Y (TTM)-4.4%

Revenue growth 3Y72.58%

Revenue growth 5Y41.38%

Sales Q2Q%-3.54%

Revenue Next Year-3.62%

Revenue Next 2Y-0.67%

Revenue Next 3Y1.02%

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%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens