FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) Stock Fundamental Analysis
USA - NASDAQ:FCNCP - US3196263053
22.01 USD
+0.18 (+0.82%)
Taking everything into account, FCNCP scores 3 out of 10 in our fundamental rating. FCNCP was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FCNCP have multiple concerns. FCNCP has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years FCNCP has been profitable.
Of the past 5 years FCNCP 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.02%, FCNCP is in the better half of the industry, outperforming 65.21% of the companies in the same industry.
FCNCP has a better Return On Equity (10.49%) than 69.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 10.49% | ||
| ROIC | N/A |
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.58%
ROE(5y)19.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FCNCP has a Profit Margin of 24.55%. This is comparable to the rest of the industry: FCNCP outperforms 54.64% of its industry peers.
FCNCP's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.03%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FCNCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCNCP has been reduced compared to 1 year ago.
FCNCP has more shares outstanding than it did 5 years ago.
FCNCP has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FCNCP is 25.43, which is on the high side as it means it would take FCNCP, 25.43 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.43, FCNCP is doing worse than 82.99% of the companies in the same industry.
FCNCP has a Debt/Equity ratio of 1.76. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.76, FCNCP is doing worse than 87.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | 25.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FCNCP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.22%.
The Earnings Per Share has been growing by 36.33% on average over the past years. This is a very strong growth
The Revenue has decreased by -2.98% in the past year.
The Revenue has been growing by 41.38% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-14.22%
EPS 3Y53.47%
EPS 5Y36.33%
EPS Q2Q%-6.08%
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
3.2 Future
FCNCP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.33% yearly.
The Revenue is expected to grow by 0.76% on average over the next years.
EPS Next Y-13.63%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
EPS Next 5YN/A
Revenue Next Year-1.37%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.76%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 0.13, the valuation of FCNCP can be described as very cheap.
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.
When comparing the Price/Earnings ratio of FCNCP to the average of the S&P500 Index (25.07), we can say FCNCP is valued rather cheaply.
The Price/Forward Earnings ratio is 0.12, which indicates a rather cheap valuation of FCNCP.
Based on the Price/Forward Earnings ratio, FCNCP is valued cheaper than 100.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, FCNCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.13 | ||
| Fwd PE | 0.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCNCP is valued cheaper than 99.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
5. Dividend
5.1 Amount
With a yearly dividend of 0.46%, FCNCP is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.39, FCNCP's dividend is way lower than its industry peers. On top of this 85.31% of the companies listed in the same industry pay a better dividend than FCNCP!
Compared to an average S&P500 Dividend Yield of 2.44, FCNCP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.46% |
5.2 History
The dividend of FCNCP is nicely growing with an annual growth rate of 47.25%!
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)47.25%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
6.93% of the earnings are spent on dividend by FCNCP. This is a low number and sustainable payout ratio.
FCNCP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP6.93%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP
NASDAQ:FCNCP (11/21/2025, 4:30:02 PM)
22.01
+0.18 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.23%
Inst Owner ChangeN/A
Ins Owners22.35%
Ins Owner ChangeN/A
Market Cap306.60M
Revenue(TTM)9.51B
Net Income(TTM)2.34B
Analysts78.18
Price Target26.56 (20.67%)
Short Float %0.08%
Short Ratio0.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.46% |
Yearly Dividend10.9
Dividend Growth(5Y)47.25%
DP6.93%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.71%
Min EPS beat(2)-3.21%
Max EPS beat(2)4.62%
EPS beat(4)2
Avg EPS beat(4)1.75%
Min EPS beat(4)-6.04%
Max EPS beat(4)11.62%
EPS beat(8)5
Avg EPS beat(8)5.42%
EPS beat(12)7
Avg EPS beat(12)2.72%
EPS beat(16)11
Avg EPS beat(16)10.93%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)1.5%
Revenue beat(4)2
Avg Revenue beat(4)0.74%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)3.21%
Revenue beat(8)4
Avg Revenue beat(8)-0.29%
Revenue beat(12)8
Avg Revenue beat(12)2.12%
Revenue beat(16)11
Avg Revenue beat(16)6.08%
PT rev (1m)-5.34%
PT rev (3m)-1.45%
EPS NQ rev (1m)-0.72%
EPS NQ rev (3m)-2.28%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)-0.55%
Revenue NY rev (1m)2.25%
Revenue NY rev (3m)2.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.13 | ||
| Fwd PE | 0.12 | ||
| P/S | 0.03 | ||
| P/FCF | 0.2 | ||
| P/OCF | 0.1 | ||
| P/B | 0.01 | ||
| P/tB | 0.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)168.33
EY764.79%
EPS(NY)190.69
Fwd EY866.36%
FCF(TTM)110.63
FCFY502.61%
OCF(TTM)220.17
OCFY1000.33%
SpS683.78
BVpS1600.57
TBVpS1559.87
PEG (NY)N/A
PEG (5Y)0
Graham Number2462.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 10.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.55% | ||
| GM | N/A | ||
| FCFM | 16.18% |
ROA(3y)2.5%
ROA(5y)1.87%
ROE(3y)25.58%
ROE(5y)19.84%
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 3Y-0.03%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | 25.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 16.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 65.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)13.85%
Cap/Sales(5y)10.87%
Profit Quality(3y)80.75%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.22%
EPS 3Y53.47%
EPS 5Y36.33%
EPS Q2Q%-6.08%
EPS Next Y-13.63%
EPS Next 2Y-1.05%
EPS Next 3Y4.33%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.98%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%-0.53%
Revenue Next Year-1.37%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.76%
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 1Y80.87%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y45.08%
OCF growth 3YN/A
OCF growth 5Y40.78%
FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP / FCNCP FAQ
Can you provide the ChartMill fundamental rating for FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to FCNCP.
Can you provide the valuation status for FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP?
ChartMill assigns a valuation rating of 6 / 10 to FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP). This can be considered as Fairly Valued.
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.
Can you provide the financial health for FCNCP stock?
The financial health rating of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) is 1 / 10.
Can you provide the expected EPS growth for FCNCP stock?
The Earnings per Share (EPS) of FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP (FCNCP) is expected to decline by -13.63% in the next year.