FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) Stock Fundamental Analysis

NASDAQ:FCNCP • US3196263053

22.05 USD
+0.1 (+0.46%)
At close: Feb 23, 2026
20.47 USD
-1.58 (-7.17%)
After Hours: 2/9/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FCNCP. FCNCP was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of FCNCP have multiple concerns. FCNCP is valued quite cheap, while showing a decent growth score. This is a good combination! Finally FCNCP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • FCNCP had positive earnings in the past year.
  • FCNCP had a positive operating cash flow in the past year.
  • In the past 5 years FCNCP has always been profitable.
  • In multiple years FCNCP reported negative operating cash flow during the last 5 years.
FCNCP Yearly Net Income VS EBIT VS OCF VS FCFFCNCP 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%, FCNCP is in line with its industry, outperforming 56.46% of the companies in the same industry.
  • FCNCP's Return On Equity of 10.32% is fine compared to the rest of the industry. FCNCP outperforms 65.44% 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
FCNCP Yearly ROA, ROE, ROICFCNCP 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 FCNCP (23.84%) is comparable to the rest of the industry.
  • FCNCP's Profit Margin has declined in the last couple of years.
  • FCNCP 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
FCNCP Yearly Profit, Operating, Gross MarginsFCNCP 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

  • FCNCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FCNCP has less shares outstanding than it did 1 year ago.
  • FCNCP has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FCNCP has been reduced compared to a year ago.
FCNCP Yearly Shares OutstandingFCNCP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
FCNCP Yearly Total Debt VS Total AssetsFCNCP 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

  • FCNCP has a debt to FCF ratio of 25.61. This is a negative value and a sign of low solvency as FCNCP would need 25.61 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 25.61, FCNCP is not doing good in the industry: 82.59% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 1.82 is on the high side and indicates that FCNCP has dependencies on debt financing.
  • FCNCP has a worse Debt to Equity ratio (1.82) than 87.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 25.61
Altman-Z N/A
ROIC/WACCN/A
WACC11.42%
FCNCP Yearly LT Debt VS Equity VS FCFFCNCP 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
FCNCP Yearly Current Assets VS Current LiabilitesFCNCP 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

  • FCNCP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.21%.
  • Measured over the past years, FCNCP shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.44% on average per year.
  • The Revenue has decreased by -2.22% in the past year.
  • Measured over the past years, FCNCP shows a very strong growth in Revenue. The Revenue has been growing by 38.61% on average per year.
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

  • FCNCP 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

  • 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.
FCNCP Yearly Revenue VS EstimatesFCNCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FCNCP Yearly EPS VS EstimatesFCNCP 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 FCNCP.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCNCP indicates a rather cheap valuation: FCNCP is cheaper than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, FCNCP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 0.12 indicates a rather cheap valuation of FCNCP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCP indicates a rather cheap valuation: FCNCP is cheaper than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, FCNCP is valued rather cheaply.
Industry RankSector Rank
PE 0.13
Fwd PE 0.12
FCNCP Price Earnings VS Forward Price EarningsFCNCP 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, FCNCP is valued cheaper than 99.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.17
EV/EBITDA N/A
FCNCP Per share dataFCNCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

  • FCNCP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.01
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 6.10%, FCNCP is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.74, FCNCP pays a better dividend. On top of this FCNCP pays more dividend than 93.14% of the companies listed in the same industry.
  • FCNCP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.1%

5.2 History

  • On average, the dividend of FCNCP grows each year by 48.04%, which is quite nice.
  • FCNCP has been paying a dividend for over 5 years, so it has already some track record.
  • FCNCP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)48.04%
Div Incr Years0
Div Non Decr Years4
FCNCP Yearly Dividends per shareFCNCP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

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

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Find the best dividend stocksShow peers with best dividend

FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP

NASDAQ:FCNCP (2/23/2026, 10:13:58 AM)

After market: 20.47 -1.58 (-7.17%)

22.05

+0.1 (+0.46%)

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 Cap267.69M
Revenue(TTM)9.54B
Net Income(TTM)2.27B
Analysts78.18
Price Target23.41 (6.17%)
Short Float %0.18%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 6.1%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP7.19%
Div Incr Years0
Div Non Decr Years4
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)5.25%
PT rev (3m)-10.92%
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 0.17
P/OCF 0.09
P/B 0.01
P/tB 0.01
EV/EBITDA N/A
EPS(TTM)169.04
EY766.62%
EPS(NY)184.2
Fwd EY835.35%
FCF(TTM)128.67
FCFY583.52%
OCF(TTM)246.46
OCFY1117.72%
SpS783.53
BVpS1811.04
TBVpS1765.4
PEG (NY)0.01
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 3/8 PERP / FCNCP FAQ

What is the ChartMill fundamental rating of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) stock?

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


What is the valuation status of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) stock?

ChartMill assigns a valuation rating of 8 / 10 to FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP). This can be considered as Undervalued.


How profitable is FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) stock?

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


How financially healthy is FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP?

The financial health rating of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) is 1 / 10.


What is the expected EPS growth for FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) stock?

The Earnings per Share (EPS) of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) is expected to grow by 8.97% in the next year.