FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) Fundamental Analysis & Valuation

NASDAQ:FCNCN • US31959X4007

Current stock price

25.17 USD
+0.07 (+0.28%)
At close:
25.12 USD
-0.05 (-0.2%)
After Hours:

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

2

1. FCNCN Profitability Analysis

1.1 Basic Checks

  • In the past year FCNCN was profitable.
  • In the past year FCNCN had a positive cash flow from operations.
  • In the past 5 years FCNCN has always been profitable.
  • Of the past 5 years FCNCN 4 years had a positive operating cash flow.
FCNCN Yearly Net Income VS EBIT VS OCF VS FCFFCNCN 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

  • FCNCN has a Return On Assets (0.94%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 9.66%, FCNCN perfoms like the industry average, outperforming 55.05% of the companies in the same 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
FCNCN Yearly ROA, ROE, ROICFCNCN 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

  • Looking at the Profit Margin, with a value of 22.52%, FCNCN is doing worse than 64.89% of the companies in the same industry.
  • FCNCN's Profit Margin has declined in the last couple of years.
  • FCNCN 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) 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
FCNCN Yearly Profit, Operating, Gross MarginsFCNCN 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. FCNCN Health Analysis

2.1 Basic Checks

  • FCNCN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FCNCN has been reduced compared to 1 year ago.
  • FCNCN has more shares outstanding than it did 5 years ago.
  • FCNCN has a better debt/assets ratio than last year.
FCNCN Yearly Shares OutstandingFCNCN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
FCNCN Yearly Total Debt VS Total AssetsFCNCN 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 FCNCN is 27.30, which is on the high side as it means it would take FCNCN, 27.30 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 27.30, FCNCN is doing worse than 85.64% of the companies in the same industry.
  • FCNCN has a Debt/Equity ratio of 1.67. This is a high value indicating a heavy dependency on external financing.
  • FCNCN's Debt to Equity ratio of 1.67 is on the low side compared to the rest of the industry. FCNCN is outperformed by 88.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 27.3
Altman-Z N/A
ROIC/WACCN/A
WACC9.74%
FCNCN Yearly LT Debt VS Equity VS FCFFCNCN 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
FCNCN Yearly Current Assets VS Current LiabilitesFCNCN 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. FCNCN Growth Analysis

3.1 Past

  • FCNCN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.96%.
  • Measured over the past years, FCNCN shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.44% on average per year.
  • Looking at the last year, FCNCN shows a decrease in Revenue. The Revenue has decreased by -2.22% in the last year.
  • FCNCN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.61% yearly.
EPS 1Y (TTM)-1.96%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%18.71%
Revenue 1Y (TTM)-2.22%
Revenue growth 3Y23.36%
Revenue growth 5Y38.61%
Sales Q2Q%-6.83%

3.2 Future

  • FCNCN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.65% yearly.
  • The Revenue is expected to grow by 2.50% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FCNCN Yearly Revenue VS EstimatesFCNCN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FCNCN Yearly EPS VS EstimatesFCNCN 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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8

4. FCNCN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.14, the valuation of FCNCN can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCNCN indicates a rather cheap valuation: FCNCN is cheaper than 99.47% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.47. FCNCN is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 0.12, which indicates a rather cheap valuation of FCNCN.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCN indicates a rather cheap valuation: FCNCN is cheaper than 99.47% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FCNCN to the average of the S&P500 Index (22.62), we can say FCNCN is valued rather cheaply.
Industry RankSector Rank
PE 0.14
Fwd PE 0.12
FCNCN Price Earnings VS Forward Price EarningsFCNCN 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 FCNCN indicates a rather cheap valuation: FCNCN is cheaper than 98.94% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.22
EV/EBITDA N/A
FCNCN Per share dataFCNCN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

  • FCNCN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.02
PEG (5Y)0.01
EPS Next 2Y11.08%
EPS Next 3Y10.74%

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

2

5. FCNCN Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.43%, FCNCN is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.57, FCNCN's dividend is way lower than its industry peers. On top of this 86.17% of the companies listed in the same industry pay a better dividend than FCNCN!
  • Compared to an average S&P500 Dividend Yield of 1.81, FCNCN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.43%

5.2 History

  • On average, the dividend of FCNCN grows each year by 33.88%, which is quite nice.
  • FCNCN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)33.88%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 7.49% of the earnings are spent on dividend by FCNCN. This is a low number and sustainable payout ratio.
  • The dividend of FCNCN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP7.49%
EPS Next 2Y11.08%
EPS Next 3Y10.74%
FCNCN Yearly Income VS Free CF VS DividendFCNCN 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
FCNCN Dividend Payout.FCNCN Dividend Payout, showing the Payout Ratio.FCNCN Dividend Payout.PayoutRetained Earnings

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FCNCN Fundamentals: All Metrics, Ratios and Statistics

FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP

NASDAQ:FCNCN (4/23/2026, 8:07:09 PM)

After market: 25.12 -0.05 (-0.2%)

25.17

+0.07 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-23
Inst Owners67.96%
Inst Owner ChangeN/A
Ins Owners24.55%
Ins Owner ChangeN/A
Market Cap297.76M
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts77.27
Price Target28.74 (14.18%)
Short Float %2.98%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 0.43%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.49%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)6
Avg Revenue beat(8)1.61%
Revenue beat(12)10
Avg Revenue beat(12)73.84%
Revenue beat(16)14
Avg Revenue beat(16)61.37%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.61%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.14
Fwd PE 0.12
P/S 0.03
P/FCF 0.22
P/OCF 0.1
P/B 0.01
P/tB 0.01
EV/EBITDA N/A
EPS(TTM)176.11
EY699.68%
EPS(NY)208.58
Fwd EY828.69%
FCF(TTM)115.05
FCFY457.08%
OCF(TTM)247.08
OCFY981.66%
SpS806.51
BVpS1879.8
TBVpS1834.07
PEG (NY)0.02
PEG (5Y)0.01
Graham Number2729.22 (10743.15%)
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
WACC9.74%
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)-1.96%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%18.71%
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%-6.83%
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 BANCSHARE - FCNCA 6 5/8 PERP / FCNCN Fundamental Analysis FAQ

What is the fundamental rating for FCNCN stock?

ChartMill assigns a fundamental rating of 3 / 10 to FCNCN.


Can you provide the valuation status for FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP?

ChartMill assigns a valuation rating of 8 / 10 to FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN). This can be considered as Undervalued.


What is the profitability of FCNCN stock?

FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) has a profitability rating of 2 / 10.


What is the valuation of FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) is 0.14 and the Price/Book (PB) ratio is 0.01.


Can you provide the financial health for FCNCN stock?

The financial health rating of FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) is 1 / 10.