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

NASDAQ:FCNCP • US3196263053

Current stock price

21.24 USD
0 (0%)
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This FCNCP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FCNCP Profitability Analysis

1.1 Basic Checks

  • In the past year FCNCP was profitable.
  • FCNCP had a positive operating cash flow in the past year.
  • In the past 5 years FCNCP has always been profitable.
  • FCNCP had a positive operating cash flow in 4 of the past 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 0.94%, FCNCP is in line with its industry, outperforming 50.53% of the companies in the same industry.
  • FCNCP has a Return On Equity (9.66%) which is in line with its industry peers.
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
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

  • With a Profit Margin value of 22.52%, FCNCP is not doing good in the industry: 62.63% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FCNCP has declined.
  • 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) 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
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. FCNCP Health Analysis

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.
  • The number of shares outstanding for FCNCP has been increased compared to 5 years ago.
  • Compared to 1 year ago, FCNCP has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of FCNCP is 27.30, which is on the high side as it means it would take FCNCP, 27.30 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 27.30, FCNCP is not doing good in the industry: 82.63% 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 FCNCP has dependencies on debt financing.
  • FCNCP has a Debt to Equity ratio of 1.67. This is amonst the worse of the industry: FCNCP underperforms 87.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 27.3
Altman-Z N/A
ROIC/WACCN/A
WACC9.73%
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. FCNCP Growth Analysis

3.1 Past

  • FCNCP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.21%.
  • FCNCP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.44% yearly.
  • FCNCP shows a decrease in Revenue. In the last year, the revenue decreased by -2.22%.
  • FCNCP 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.
  • Based on estimates for the next years, FCNCP will show a small growth in Revenue. The Revenue will grow by 2.73% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2030 2031 2032 2033 100 200 300

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Find the best growth stocksShow best growing peers

8

4. FCNCP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 0.13 indicates a rather cheap valuation of FCNCP.
  • Based on the Price/Earnings ratio, FCNCP is valued cheaper than 99.74% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.89. FCNCP is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 0.12, the valuation of FCNCP can be described as very cheap.
  • 99.74% of the companies in the same industry are more expensive than FCNCP, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. FCNCP is valued rather cheaply when compared to this.
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

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FCNCP 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
FCNCP Per share dataFCNCP 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. FCNCP Dividend Analysis

5.1 Amount

  • FCNCP has a yearly dividend return of 0.44%, which is pretty low.
  • With a Dividend Yield of 0.44, FCNCP pays less dividend than the industry average, which is at 2.66. 86.32% of the companies listed in the same industry pay a better dividend than FCNCP!
  • Compared to an average S&P500 Dividend Yield of 1.89, FCNCP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.44%

5.2 History

  • On average, the dividend of FCNCP grows each year by 33.88%, 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)33.88%
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

  • FCNCP pays out 7.49% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FCNCP 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%
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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FCNCP Fundamentals: All Metrics, Ratios and Statistics

FIRST CITIZENS BANCSHARE - FCNCA 5 3/8 PERP

NASDAQ:FCNCP (3/30/2026, 4:10:10 PM)

21.24

0 (0%)

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 Cap253.61M
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts77.27
Price Target26.1 (22.88%)
Short Float %0.39%
Short Ratio1.24
Dividend
Industry RankSector Rank
Dividend Yield 0.44%
Yearly Dividend12.45
Dividend Growth(5Y)33.88%
DP7.49%
Div Incr Years0
Div Non Decr Years4
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)21.86%
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
EY795.86%
EPS(NY)181.87
Fwd EY856.27%
FCF(TTM)113.99
FCFY536.66%
OCF(TTM)244.81
OCFY1152.58%
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 3/8 PERP / FCNCP Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 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 2 / 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 7.59% in the next year.