FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) Stock Fundamental Analysis

NASDAQ:FCNCO • US31959X2027

22.74 USD
-0.53 (-2.28%)
Last: Feb 27, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FCNCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. FCNCO has a bad profitability rating. Also its financial health evaluation is rather negative. FCNCO scores decently on growth, while it is valued quite cheap. This could make an interesting combination. FCNCO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • FCNCO had positive earnings in the past year.
  • FCNCO had a positive operating cash flow in the past year.
  • In the past 5 years FCNCO has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: FCNCO reported negative operating cash flow in multiple years.
FCNCO Yearly Net Income VS EBIT VS OCF VS FCFFCNCO 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 0.97%, FCNCO is in line with its industry, outperforming 54.88% of the companies in the same industry.
  • FCNCO's Return On Equity of 10.32% is fine compared to the rest of the industry. FCNCO outperforms 64.91% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 10.32%
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
FCNCO Yearly ROA, ROE, ROICFCNCO 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

  • FCNCO has a Profit Margin (23.84%) which is in line with its industry peers.
  • FCNCO's Profit Margin has declined in the last couple of years.
  • FCNCO 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) 23.84%
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
FCNCO Yearly Profit, Operating, Gross MarginsFCNCO 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. Health

2.1 Basic Checks

  • FCNCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FCNCO has less shares outstanding
  • FCNCO has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FCNCO has an improved debt to assets ratio.
FCNCO Yearly Shares OutstandingFCNCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
FCNCO Yearly Total Debt VS Total AssetsFCNCO 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

  • FCNCO has a debt to FCF ratio of 25.61. This is a negative value and a sign of low solvency as FCNCO would need 25.61 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 25.61, FCNCO is doing worse than 83.38% of the companies in the same industry.
  • FCNCO has a Debt/Equity ratio of 1.82. This is a high value indicating a heavy dependency on external financing.
  • FCNCO has a Debt to Equity ratio of 1.82. This is amonst the worse of the industry: FCNCO underperforms 87.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 25.61
Altman-Z N/A
ROIC/WACCN/A
WACC11.42%
FCNCO Yearly LT Debt VS Equity VS FCFFCNCO 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
FCNCO Yearly Current Assets VS Current LiabilitesFCNCO 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. Growth

3.1 Past

  • FCNCO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.21%.
  • Measured over the past years, FCNCO shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.44% on average per year.
  • FCNCO shows a decrease in Revenue. In the last year, the revenue decreased by -2.22%.
  • 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

  • FCNCO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.39% yearly.
  • The Revenue is expected to grow by 2.73% on average over the next years.
EPS Next Y8.97%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
EPS Next 5Y12.39%
Revenue Next Year-1.32%
Revenue Next 2Y1.63%
Revenue Next 3Y2.73%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
FCNCO Yearly Revenue VS EstimatesFCNCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FCNCO Yearly EPS VS EstimatesFCNCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 50 100 150 200 250

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 0.13, which indicates a rather cheap valuation of FCNCO.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCNCO indicates a rather cheap valuation: FCNCO is cheaper than 99.74% of the companies listed in the same industry.
  • FCNCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • A Price/Forward Earnings ratio of 0.12 indicates a rather cheap valuation of FCNCO.
  • FCNCO's Price/Forward Earnings ratio is rather cheap when compared to the industry. FCNCO is cheaper than 99.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, FCNCO is valued rather cheaply.
Industry RankSector Rank
PE 0.13
Fwd PE 0.12
FCNCO Price Earnings VS Forward Price EarningsFCNCO 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 FCNCO indicates a rather cheap valuation: FCNCO is cheaper than 99.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.18
EV/EBITDA N/A
FCNCO Per share dataFCNCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

  • FCNCO'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
EPS Next 2Y11.52%
EPS Next 3Y11.75%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.08%, FCNCO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.74, FCNCO pays a better dividend. On top of this FCNCO pays more dividend than 93.67% of the companies listed in the same industry.
  • FCNCO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 6.08%

5.2 History

  • On average, the dividend of FCNCO grows each year by 33.88%, which is quite nice.
  • FCNCO has been paying a dividend for over 5 years, so it has already some track record.
  • FCNCO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)33.88%
Div Incr Years0
Div Non Decr Years3
FCNCO Yearly Dividends per shareFCNCO Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 7.19% of the earnings are spent on dividend by FCNCO. This is a low number and sustainable payout ratio.
  • FCNCO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP7.19%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
FCNCO Yearly Income VS Free CF VS DividendFCNCO 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
FCNCO Dividend Payout.FCNCO Dividend Payout, showing the Payout Ratio.FCNCO Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP

NASDAQ:FCNCO (2/27/2026, 8:00:11 PM)

22.74

-0.53 (-2.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-22
Inst Owners65.48%
Inst Owner ChangeN/A
Ins Owners23.3%
Ins Owner ChangeN/A
Market Cap276.06M
Revenue(TTM)9.54B
Net Income(TTM)2.27B
Analysts78.18
Price Target27.55 (21.15%)
Short Float %0.13%
Short Ratio0.65
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.19%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.14%
Min EPS beat(2)-0.34%
Max EPS beat(2)4.62%
EPS beat(4)2
Avg EPS beat(4)3.17%
Min EPS beat(4)-3.21%
Max EPS beat(4)11.62%
EPS beat(8)4
Avg EPS beat(8)3.71%
EPS beat(12)6
Avg EPS beat(12)2.1%
EPS beat(16)10
Avg EPS beat(16)10.73%
Revenue beat(2)2
Avg Revenue beat(2)2.36%
Min Revenue beat(2)1.5%
Max Revenue beat(2)3.22%
Revenue beat(4)3
Avg Revenue beat(4)1.67%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.22%
Revenue beat(8)4
Avg Revenue beat(8)0.01%
Revenue beat(12)8
Avg Revenue beat(12)1.03%
Revenue beat(16)11
Avg Revenue beat(16)6.26%
PT rev (1m)17.47%
PT rev (3m)2.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.31%
EPS NY rev (1m)-3.99%
EPS NY rev (3m)-3.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 0.13
Fwd PE 0.12
P/S 0.03
P/FCF 0.18
P/OCF 0.09
P/B 0.01
P/tB 0.01
EV/EBITDA N/A
EPS(TTM)169.04
EY743.36%
EPS(NY)184.2
Fwd EY810.01%
FCF(TTM)128.67
FCFY565.81%
OCF(TTM)246.46
OCFY1083.81%
SpS783.53
BVpS1811.04
TBVpS1765.4
PEG (NY)0.02
PEG (5Y)0
Graham Number2624.52
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 10.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.84%
GM N/A
FCFM 16.42%
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 1.82
Debt/FCF 25.61
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 15.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 68.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
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 Y8.97%
EPS Next 2Y11.52%
EPS Next 3Y11.75%
EPS Next 5Y12.39%
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 1Y23.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.01%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP / FCNCO FAQ

What is the ChartMill fundamental rating of FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FCNCO.


What is the valuation status of FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) stock?

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


What is the profitability of FCNCO stock?

FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) has a profitability rating of 3 / 10.


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

The Price/Earnings (PE) ratio for FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) is 0.13 and the Price/Book (PB) ratio is 0.01.


Can you provide the financial health for FCNCO stock?

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