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

NASDAQ:FCNCN • US31959X4007

Current stock price

24.11 USD
-0.45 (-1.83%)
At close:
24.13 USD
+0.02 (+0.08%)
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

  • FCNCN had positive earnings in the past year.
  • FCNCN had a positive operating cash flow in the past year.
  • 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

  • The Return On Assets of FCNCN (0.94%) is comparable to the rest of the industry.
  • FCNCN has a Return On Equity (9.66%) which 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
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

  • The Profit Margin of FCNCN (22.52%) is worse than 61.15% of its industry peers.
  • FCNCN's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FCNCN 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
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.
  • Compared to 1 year ago, FCNCN has less shares outstanding
  • 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

  • FCNCN has a debt to FCF ratio of 27.30. This is a negative value and a sign of low solvency as FCNCN would need 27.30 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 27.30, FCNCN is not doing good in the industry: 82.94% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 1.67 is on the high side and indicates that FCNCN has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.67, FCNCN is doing worse than 87.40% of the companies in the same industry.
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

  • The earnings per share for FCNCN have decreased strongly by -13.21% in the last year.
  • FCNCN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.44% yearly.
  • Looking at the last year, FCNCN shows a decrease in Revenue. The Revenue has decreased by -2.22% in the last year.
  • The Revenue has been growing by 38.61% on average over the past years. This is a very strong growth!
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.
  • FCNCN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.73% yearly.
EPS Next Y7.59%
EPS Next 2Y10.93%
EPS Next 3Y10.74%
EPS Next 5Y10.65%
Revenue Next Year-1.32%
Revenue Next 2Y1.63%
Revenue Next 3Y2.73%
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.
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

  • Based on the Price/Earnings ratio of 0.14, the valuation of FCNCN can be described as very cheap.
  • 99.48% of the companies in the same industry are more expensive than FCNCN, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of FCNCN to the average of the S&P500 Index (25.23), we can say FCNCN is valued rather cheaply.
  • The Price/Forward Earnings ratio is 0.13, which indicates a rather cheap valuation of FCNCN.
  • FCNCN's Price/Forward Earnings ratio is rather cheap when compared to the industry. FCNCN is cheaper than 99.48% of the companies in the same industry.
  • FCNCN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 0.14
Fwd PE 0.13
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

  • Based on the Price/Free Cash Flow ratio, FCNCN is valued cheaper than 98.95% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.21
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 2Y10.93%
EPS Next 3Y10.74%

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

6

5. FCNCN Dividend Analysis

5.1 Amount

  • FCNCN has a Yearly Dividend Yield of 6.30%, which is a nice return.
  • FCNCN's Dividend Yield is rather good when compared to the industry average which is at 2.90. FCNCN pays more dividend than 94.49% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, FCNCN pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.3%

5.2 History

  • The dividend of FCNCN is nicely growing with an annual growth rate of 33.88%!
  • FCNCN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)33.88%
Div Incr YearsN/A
Div Non Decr YearsN/A

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 2Y10.93%
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 (3/20/2026, 8:00:03 PM)

After market: 24.13 +0.02 (+0.08%)

24.11

-0.45 (-1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-22
Inst Owners67.47%
Inst Owner ChangeN/A
Ins Owners24.36%
Ins Owner ChangeN/A
Market Cap287.87M
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts77.27
Price TargetN/A
Short Float %2.59%
Short Ratio0.41
Dividend
Industry RankSector Rank
Dividend Yield 6.3%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.49%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.14
Fwd PE 0.13
P/S 0.03
P/FCF 0.21
P/OCF 0.1
P/B 0.01
P/tB 0.01
EV/EBITDA N/A
EPS(TTM)169.04
EY701.12%
EPS(NY)181.87
Fwd EY754.34%
FCF(TTM)113.99
FCFY472.78%
OCF(TTM)244.81
OCFY1015.38%
SpS799.08
BVpS1862.48
TBVpS1817.17
PEG (NY)0.02
PEG (5Y)0.01
Graham Number2661.53
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)-13.21%
EPS 3Y33.07%
EPS 5Y28.44%
EPS Q2Q%1.57%
EPS Next Y7.59%
EPS Next 2Y10.93%
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-1.32%
Revenue Next 2Y1.63%
Revenue Next 3Y2.73%
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 4 / 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.


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

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


What is the expected EPS growth for FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) stock?

The Earnings per Share (EPS) of FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) is expected to grow by 7.59% in the next year.


Is the dividend of FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP sustainable?

The dividend rating of FIRST CITIZENS BANCSHARE - FCNCA 6 5/8 PERP (FCNCN) is 6 / 10 and the dividend payout ratio is 7.49%.