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

NASDAQ:FCNCA • US31946M1036

Current stock price

2061.48 USD
+31.32 (+1.54%)
At close:
2061.48 USD
0 (0%)
After Hours:

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

2

1. FCNCA Profitability Analysis

1.1 Basic Checks

  • In the past year FCNCA was profitable.
  • In the past year FCNCA had a positive cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.94%, FCNCA is in line with its industry, outperforming 47.34% of the companies in the same industry.
  • The Return On Equity of FCNCA (9.66%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.94%
ROE 9.66%
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

  • With a Profit Margin value of 22.52%, FCNCA is not doing good in the industry: 65.16% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FCNCA has declined.
  • The Operating Margin and Gross Margin are not available for FCNCA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.52%
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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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.
  • 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.
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 27.30, which is on the high side as it means it would take FCNCA, 27.30 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FCNCA (27.30) is worse than 85.64% of its industry peers.
  • FCNCA has a Debt/Equity ratio of 1.67. This is a high value indicating a heavy dependency on external financing.
  • FCNCA has a Debt to Equity ratio of 1.67. This is amonst the worse of the industry: FCNCA underperforms 88.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 27.3
Altman-Z N/A
ROIC/WACCN/A
WACC10.37%
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.
  • The Revenue has decreased by -2.22% in the past 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

  • The Earnings Per Share is expected to grow by 10.65% on average over the next years. This is quite good.
  • Based on estimates for the next years, FCNCA will show a small growth in Revenue. The Revenue will grow by 2.50% on average per year.
EPS Next Y6.94%
EPS Next 2Y11.08%
EPS Next 3Y10.74%
EPS Next 5Y10.65%
Revenue Next Year-0.94%
Revenue Next 2Y1.76%
Revenue Next 3Y2.5%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 2030 2031 2032 2033 100 200 300

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3

4. FCNCA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.20, which indicates a correct valuation of FCNCA.
  • FCNCA's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.95, FCNCA is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.40, the valuation of FCNCA can be described as very reasonable.
  • FCNCA's Price/Forward Earnings ratio is in line with the industry average.
  • FCNCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.2
Fwd PE 11.4
FCNCA Price Earnings VS Forward Price EarningsFCNCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 70.48% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.92
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)1.76
PEG (5Y)0.43
EPS Next 2Y11.08%
EPS Next 3Y10.74%

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

5

5. FCNCA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.42%, FCNCA is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.42, FCNCA pays less dividend than the industry average, which is at 2.57. 86.44% of the companies listed in the same industry pay a better dividend than FCNCA!
  • Compared to an average S&P500 Dividend Yield of 1.81, 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 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 Years9
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

  • 7.49% 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.
DP7.49%
EPS Next 2Y11.08%
EPS Next 3Y10.74%
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 (4/20/2026, 8:00:02 PM)

After market: 2061.48 0 (0%)

2061.48

+31.32 (+1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-23
Inst Owners67.96%
Inst Owner Change-0.07%
Ins Owners24.55%
Ins Owner Change0.07%
Market Cap24.39B
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts77.27
Price Target2292.68 (11.22%)
Short Float %7.11%
Short Ratio5.55
Dividend
Industry RankSector Rank
Dividend Yield 0.42%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.49%
Div Incr Years9
Div Non Decr Years34
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.47%
Min EPS beat(2)-0.34%
Max EPS beat(2)1.28%
EPS beat(4)2
Avg EPS beat(4)0.59%
Min EPS beat(4)-3.21%
Max EPS beat(4)4.62%
EPS beat(8)5
Avg EPS beat(8)4.59%
EPS beat(12)7
Avg EPS beat(12)4.35%
EPS beat(16)10
Avg EPS beat(16)4.72%
Revenue beat(2)2
Avg Revenue beat(2)3.29%
Min Revenue beat(2)3.22%
Max Revenue beat(2)3.35%
Revenue beat(4)3
Avg Revenue beat(4)1.71%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.35%
Revenue beat(8)5
Avg Revenue beat(8)0.84%
Revenue beat(12)8
Avg Revenue beat(12)0.65%
Revenue beat(16)12
Avg Revenue beat(16)6.48%
PT rev (1m)-2.13%
PT rev (3m)-2.26%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)-5.56%
EPS NY rev (1m)-0.61%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)-0.19%
Valuation
Industry RankSector Rank
PE 12.2
Fwd PE 11.4
P/S 2.56
P/FCF 17.92
P/OCF 8.34
P/B 1.1
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)169.04
EY8.2%
EPS(NY)180.77
Fwd EY8.77%
FCF(TTM)115.05
FCFY5.58%
OCF(TTM)247.08
OCFY11.99%
SpS806.51
BVpS1879.8
TBVpS1834.07
PEG (NY)1.76
PEG (5Y)0.43
Graham Number2673.88 (29.71%)
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.52%
GM N/A
FCFM 14.26%
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 1.67
Debt/FCF 27.3
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 16.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 63.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.37%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)13.23%
Cap/Sales(5y)12.72%
Profit Quality(3y)42.54%
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 Y6.94%
EPS Next 2Y11.08%
EPS Next 3Y10.74%
EPS Next 5Y10.65%
Revenue 1Y (TTM)-2.22%
Revenue growth 3Y23.36%
Revenue growth 5Y38.61%
Sales Q2Q%1.2%
Revenue Next Year-0.94%
Revenue Next 2Y1.76%
Revenue Next 3Y2.5%
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 1Y-6.33%
FCF growth 3Y-9.97%
FCF growth 5Y41.21%
OCF growth 1Y-2.18%
OCF growth 3Y1.55%
OCF growth 5Y50.72%

FIRST CITIZENS BCSHS -CL A / FCNCA Fundamental Analysis 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 3 / 10 to FIRST CITIZENS BCSHS -CL A (FCNCA). This can be considered as Overvalued.


What is the profitability of FCNCA stock?

FIRST CITIZENS BCSHS -CL A (FCNCA) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for FCNCA stock?

The Price/Earnings (PE) ratio for FIRST CITIZENS BCSHS -CL A (FCNCA) is 12.2 and the Price/Book (PB) ratio is 1.1.


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 7.49%.