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

NASDAQ:FCNCO • US31959X2027

Current stock price

21.4 USD
+0.01 (+0.05%)
Last:

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

2

1. FCNCO Profitability Analysis

1.1 Basic Checks

  • In the past year FCNCO was profitable.
  • In the past year FCNCO had a positive cash flow from operations.
  • Each year in the past 5 years FCNCO has been profitable.
  • Of the past 5 years FCNCO 4 years had a positive operating cash flow.
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 0.94%, FCNCO is in line with its industry, outperforming 50.53% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.66%, FCNCO is in line with its industry, outperforming 56.05% 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
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

  • Looking at the Profit Margin, with a value of 22.52%, FCNCO is doing worse than 62.63% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FCNCO has declined.
  • 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) 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
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. FCNCO Health Analysis

2.1 Basic Checks

  • FCNCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FCNCO has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FCNCO has been increased compared to 5 years ago.
  • The debt/assets ratio for FCNCO has been reduced compared to a year ago.
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 27.30. This is a negative value and a sign of low solvency as FCNCO would need 27.30 years to pay back of all of its debts.
  • The Debt to FCF ratio of FCNCO (27.30) is worse than 82.63% of its industry peers.
  • A Debt/Equity ratio of 1.67 is on the high side and indicates that FCNCO has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.67, FCNCO is not doing good in the industry: 87.37% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 27.3
Altman-Z N/A
ROIC/WACCN/A
WACC9.73%
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. FCNCO Growth Analysis

3.1 Past

  • The earnings per share for FCNCO have decreased strongly by -13.21% in the last year.
  • FCNCO 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, FCNCO shows a decrease in Revenue. The Revenue has decreased by -2.22% in the last year.
  • FCNCO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.61% yearly.
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.
  • FCNCO 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

  • 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 2030 2031 2032 2033 100 200 300

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8

4. FCNCO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.13, the valuation of FCNCO can be described as very cheap.
  • FCNCO's Price/Earnings ratio is rather cheap when compared to the industry. FCNCO is cheaper than 99.74% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FCNCO to the average of the S&P500 Index (25.60), we can say FCNCO is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 0.12, the valuation of FCNCO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, FCNCO is valued cheaper than 99.74% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FCNCO to the average of the S&P500 Index (22.84), we can say 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

  • Based on the Price/Free Cash Flow ratio, FCNCO is valued cheaply inside the industry as 99.21% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.19
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

  • The 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 2Y10.93%
EPS Next 3Y10.74%

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

3

5. FCNCO Dividend Analysis

5.1 Amount

  • FCNCO has a yearly dividend return of 0.44%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.66, FCNCO's dividend is way lower than its industry peers. On top of this 86.32% of the companies listed in the same industry pay a better dividend than FCNCO!
  • Compared to an average S&P500 Dividend Yield of 1.88, FCNCO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.44%

5.2 History

  • The dividend of FCNCO is nicely growing with an annual growth rate of 33.88%!
  • 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

  • 7.49% 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.
DP7.49%
EPS Next 2Y10.93%
EPS Next 3Y10.74%
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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FCNCO Fundamentals: All Metrics, Ratios and Statistics

FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP

NASDAQ:FCNCO (4/2/2026, 8:22:37 PM)

21.4

+0.01 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-23
Inst Owners67.47%
Inst Owner ChangeN/A
Ins Owners24.36%
Ins Owner ChangeN/A
Market Cap255.52M
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts77.27
Price Target27.55 (28.74%)
Short Float %0.59%
Short Ratio2.94
Dividend
Industry RankSector Rank
Dividend Yield 0.44%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.49%
Div Incr Years0
Div Non Decr Years3
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)0%
PT rev (3m)22.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.49%
EPS NY rev (1m)-1.26%
EPS NY rev (3m)-5.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 0.13
Fwd PE 0.12
P/S 0.03
P/FCF 0.19
P/OCF 0.09
P/B 0.01
P/tB 0.01
EV/EBITDA N/A
EPS(TTM)169.04
EY789.91%
EPS(NY)181.87
Fwd EY849.86%
FCF(TTM)113.99
FCFY532.65%
OCF(TTM)244.81
OCFY1143.96%
SpS799.08
BVpS1862.48
TBVpS1817.17
PEG (NY)0.02
PEG (5Y)0
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
WACC9.73%
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 5 5/8 PERP / FCNCO Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 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.


How profitable is FIRST CITIZENS BANCSHARE - FCNCA 5 5/8 PERP (FCNCO) stock?

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


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

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


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

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