FIRST CITIZENS BCSHS -CL A (FCNCA)
US31946M1036 - Common Stock
Taking everything into account, FCNCA scores 3 out of 10 in our fundamental rating. FCNCA was compared to 406 industry peers in the Banks industry. There are concerns on the financial health of FCNCA while its profitability can be described as average. FCNCA is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FCNCA was profitable.
In the past year FCNCA had a positive cash flow from operations.
FCNCA had positive earnings in each of the past 5 years.
Of the past 5 years FCNCA 4 years had a positive operating cash flow.
1.2 Ratios
FCNCA's Return On Assets of 1.15% is fine compared to the rest of the industry. FCNCA outperforms 77.23% of its industry peers.
With a decent Return On Equity value of 11.08%, FCNCA is doing good in the industry, outperforming 79.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 11.08% | ||
| ROIC | N/A |
ROA(3y)2.4%
ROA(5y)1.86%
ROE(3y)25.23%
ROE(5y)19.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 25.81%, FCNCA is in the better half of the industry, outperforming 67.57% of the companies in the same industry.
In the last couple of years the Profit Margin of FCNCA has grown nicely.
The Operating Margin and Gross Margin are not available for FCNCA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.81% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.34%
PM growth 5Y19.54%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FCNCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FCNCA has less shares outstanding
FCNCA has more shares outstanding than it did 5 years ago.
FCNCA has a worse debt/assets ratio than last year.
2.2 Solvency
FCNCA has a debt to FCF ratio of 30.48. This is a negative value and a sign of low solvency as FCNCA would need 30.48 years to pay back of all of its debts.
FCNCA's Debt to FCF ratio of 30.48 is on the low side compared to the rest of the industry. FCNCA is outperformed by 79.95% of its industry peers.
FCNCA has a Debt/Equity ratio of 1.68. This is a high value indicating a heavy dependency on external financing.
FCNCA's Debt to Equity ratio of 1.68 is on the low side compared to the rest of the industry. FCNCA is outperformed by 90.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.68 | ||
| Debt/FCF | 30.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.08% over the past year.
The Earnings Per Share has been growing by 87.75% on average over the past years. This is a very strong growth
The Revenue for FCNCA has decreased by -44.18% in the past year. This is quite bad
The Revenue has been growing by 63.48% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)35.08%
EPS 3Y155.04%
EPS 5Y87.75%
EPS Q2Q%-17.97%
Revenue 1Y (TTM)-44.18%
Revenue growth 3Y115.97%
Revenue growth 5Y63.48%
Sales Q2Q%-0.49%
3.2 Future
FCNCA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.18% yearly.
Based on estimates for the next years, FCNCA will show a small growth in Revenue. The Revenue will grow by 1.71% on average per year.
EPS Next Y9.59%
EPS Next 2Y-2.43%
EPS Next 3Y3.13%
EPS Next 5Y14.18%
Revenue Next Year11.46%
Revenue Next 2Y2.57%
Revenue Next 3Y2.75%
Revenue Next 5Y1.71%
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.
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 10.86, the valuation of FCNCA can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FCNCA indicates a somewhat cheap valuation: FCNCA is cheaper than 79.21% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, FCNCA is valued rather cheaply.
The Price/Forward Earnings ratio is 12.78, which indicates a correct valuation of FCNCA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCA is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of FCNCA to the average of the S&P500 Index (22.83), we can say FCNCA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 12.78 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than the industry average as 70.79% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.13
PEG (5Y)0.12
EPS Next 2Y-2.43%
EPS Next 3Y3.13%
5. Dividend
5.1 Amount
FCNCA has a yearly dividend return of 0.38%, which is pretty low.
Compared to an average industry Dividend Yield of 3.02, FCNCA's dividend is way lower than its industry peers. On top of this 86.14% of the companies listed in the same industry pay a better dividend than FCNCA!
With a Dividend Yield of 0.38, FCNCA pays less dividend than the S&P500 average, which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.38% |
5.2 History
On average, the dividend of FCNCA grows each year by 41.45%, which is quite nice.
FCNCA has been paying a dividend for at least 10 years, so it has a reliable track record.
FCNCA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)41.45%
Div Incr Years8
Div Non Decr Years34
5.3 Sustainability
FCNCA pays out 6.13% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCNCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP6.13%
EPS Next 2Y-2.43%
EPS Next 3Y3.13%
FIRST CITIZENS BCSHS -CL A
NASDAQ:FCNCA (12/20/2024, 8:09:13 PM)
After market: 2130.51 0 (0%)2130.51
+59.57 (+2.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.04%
Inst Owner Change-2.1%
Ins Owners1.97%
Ins Owner Change-0.81%
Market Cap29.81B
Analysts78
Price Target2311.23 (8.48%)
Short Float %4.06%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.38% |
Dividend Growth(5Y)41.45%
DP6.13%
Div Incr Years8
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.12%
Min EPS beat(2)-6.04%
Max EPS beat(2)10.28%
EPS beat(4)2
Avg EPS beat(4)4.26%
Min EPS beat(4)-6.04%
Max EPS beat(4)18.54%
EPS beat(8)4
Avg EPS beat(8)1.57%
EPS beat(12)8
Avg EPS beat(12)13.24%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.05%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)2.59%
Revenue beat(4)1
Avg Revenue beat(4)-1.65%
Min Revenue beat(4)-5.4%
Max Revenue beat(4)2.59%
Revenue beat(8)5
Avg Revenue beat(8)0.71%
Revenue beat(12)8
Avg Revenue beat(12)7.79%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.42%
PT rev (3m)-0.93%
EPS NQ rev (1m)0.2%
EPS NQ rev (3m)-12.08%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-6.88%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)-1.27%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 12.78 | ||
| P/S | 3.04 | ||
| P/FCF | 23.66 | ||
| P/OCF | 10.76 | ||
| P/B | 1.31 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)196.24
EY9.21%
EPS(NY)166.77
Fwd EY7.83%
FCF(TTM)90.06
FCFY4.23%
OCF(TTM)198
OCFY9.29%
SpS700.79
BVpS1631.74
TBVpS1588.06
PEG (NY)1.13
PEG (5Y)0.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 11.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.81% | ||
| GM | N/A | ||
| FCFM | 12.85% |
ROA(3y)2.4%
ROA(5y)1.86%
ROE(3y)25.23%
ROE(5y)19.95%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.34%
PM growth 5Y19.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.68 | ||
| Debt/FCF | 30.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 15.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 49.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC11.48%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)10.49%
Cap/Sales(5y)9.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.08%
EPS 3Y155.04%
EPS 5Y87.75%
EPS Q2Q%-17.97%
EPS Next Y9.59%
EPS Next 2Y-2.43%
EPS Next 3Y3.13%
EPS Next 5Y14.18%
Revenue 1Y (TTM)-44.18%
Revenue growth 3Y115.97%
Revenue growth 5Y63.48%
Sales Q2Q%-0.49%
Revenue Next Year11.46%
Revenue Next 2Y2.57%
Revenue Next 3Y2.75%
Revenue Next 5Y1.71%
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-1.85%
FCF growth 3Y71.93%
FCF growth 5Y31.49%
OCF growth 1Y48.59%
OCF growth 3Y92%
OCF growth 5Y42.43%