Logo image of FCNCA

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

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

1684.73  -31.89 (-1.86%)

After market: 1684.73 0 (0%)

Fundamental Rating

3

Overall FCNCA gets a fundamental rating of 3 out of 10. We evaluated FCNCA against 398 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

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year FCNCA was profitable.
In the past year FCNCA had a positive cash flow from operations.
Each year in the past 5 years FCNCA has been profitable.
Of the past 5 years FCNCA 4 years had a positive operating cash flow.
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

The Return On Assets of FCNCA (1.21%) is better than 78.64% of its industry peers.
Looking at the Return On Equity, with a value of 12.22%, FCNCA belongs to the top of the industry, outperforming 83.42% of the companies in the same industry.
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
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 27.83%. This is in the better half of the industry: FCNCA outperforms 76.13% of its industry peers.
In the last couple of years the Profit Margin of FCNCA has remained more or less at the same level.
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) 27.83%
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

More info and screens

1

2. Health

2.1 Basic Checks

FCNCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FCNCA has less shares outstanding
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 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

The Debt to FCF ratio of FCNCA is 26.20, which is on the high side as it means it would take FCNCA, 26.20 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 26.20, FCNCA is not doing good in the industry: 82.16% of the companies in the same industry are doing better.
FCNCA has a Debt/Equity ratio of 1.71. This is a high value indicating a heavy dependency on external financing.
FCNCA's Debt to Equity ratio of 1.71 is on the low side compared to the rest of the industry. FCNCA is outperformed by 88.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Altman-Z N/A
ROIC/WACCN/A
WACC11.68%
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

More info and screens

5

3. Growth

3.1 Past

FCNCA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.17%, which is quite good.
FCNCA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 35.67% yearly.
The Revenue for FCNCA has decreased by -48.06% in the past year. This is quite bad
FCNCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.38% yearly.
EPS 1Y (TTM)11.17%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-3.18%
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%1.78%

3.2 Future

FCNCA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.66% yearly.
FCNCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.93% yearly.
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue Next Year-2.88%
Revenue Next 2Y-0.3%
Revenue Next 3Y0.93%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.65, which indicates a very decent valuation of FCNCA.
FCNCA's Price/Earnings ratio is rather cheap when compared to the industry. FCNCA is cheaper than 82.16% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. FCNCA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.72, the valuation of FCNCA can be described as very reasonable.
FCNCA's Price/Forward Earnings is on the same level as the industry average.
FCNCA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
Industry RankSector Rank
PE 8.65
Fwd PE 9.72
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 69.10% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.86
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)0.24
EPS Next 2Y0.38%
EPS Next 3Y3.66%

More info and screens

5

5. Dividend

5.1 Amount

FCNCA has a yearly dividend return of 0.45%, which is pretty low.
The stock price of FCNCA dropped by -24.28% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.66, FCNCA's dividend is way lower than its industry peers. On top of this 86.93% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.51, FCNCA's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.45%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 5.82% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCNCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP5.82%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
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

More info and screens

FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (4/21/2025, 4:30:02 PM)

After market: 1684.73 0 (0%)

1684.73

-31.89 (-1.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24/bmo
Earnings (Next)04-24 2025-04-24/bmo
Inst Owners63.02%
Inst Owner Change1.35%
Ins Owners18.56%
Ins Owner Change-175.76%
Market Cap24.50B
Analysts78.18
Price Target2419.27 (43.6%)
Short Float %3.23%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 0.45%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP5.82%
Div Incr Years8
Div Non Decr Years34
Ex-Date02-28 2025-02-28 (1.95)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.79%
Min EPS beat(2)-6.04%
Max EPS beat(2)11.62%
EPS beat(4)3
Avg EPS beat(4)8.6%
Min EPS beat(4)-6.04%
Max EPS beat(4)18.54%
EPS beat(8)5
Avg EPS beat(8)6.23%
EPS beat(12)8
Avg EPS beat(12)6.1%
EPS beat(16)12
Avg EPS beat(16)13.68%
Revenue beat(2)1
Avg Revenue beat(2)1.36%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-5.4%
Max Revenue beat(4)3.21%
Revenue beat(8)5
Avg Revenue beat(8)0.13%
Revenue beat(12)9
Avg Revenue beat(12)8.07%
Revenue beat(16)11
Avg Revenue beat(16)6.2%
PT rev (1m)-3.8%
PT rev (3m)-1.09%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)4.38%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)2.84%
Valuation
Industry RankSector Rank
PE 8.65
Fwd PE 9.72
P/S 2.51
P/FCF 16.86
P/OCF 8.2
P/B 1.1
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)194.76
EY11.56%
EPS(NY)173.26
Fwd EY10.28%
FCF(TTM)99.93
FCFY5.93%
OCF(TTM)205.5
OCFY12.2%
SpS671.11
BVpS1528.75
TBVpS1487.83
PEG (NY)N/A
PEG (5Y)0.24
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.83%
GM N/A
FCFM 14.89%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 15.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 53.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.68%
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)11.17%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-3.18%
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%1.78%
Revenue Next Year-2.88%
Revenue Next 2Y-0.3%
Revenue Next 3Y0.93%
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 1Y17.94%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y12.33%
OCF growth 3YN/A
OCF growth 5Y40.78%