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FIRST CITIZENS BCSHS -CL A (FCNCA) Stock Fundamental Analysis

NASDAQ:FCNCA - Nasdaq - US31946M1036 - Common Stock - Currency: USD

2204.69  -13.61 (-0.61%)

Fundamental Rating

3

FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. FCNCA has a medium profitability rating, but doesn't score so well on its financial health evaluation. FCNCA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

FCNCA had positive earnings in the past year.
FCNCA had a positive operating cash flow in the past year.
Each year in the past 5 years FCNCA has been profitable.
In multiple years FCNCA reported negative operating cash flow during the last 5 years.
FCNCA Yearly Net Income VS EBIT VS OCF VS FCFFCNCA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

1.2 Ratios

The Return On Assets of FCNCA (1.15%) is better than 77.64% of its industry peers.
Looking at the Return On Equity, with a value of 11.08%, FCNCA belongs to the top of the industry, outperforming 80.15% of the companies in the same industry.
Industry RankSector Rank
ROA 1.15%
ROE 11.08%
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
FCNCA Yearly ROA, ROE, ROICFCNCA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

FCNCA has a Profit Margin of 25.81%. This is in the better half of the industry: FCNCA outperforms 67.84% of its industry peers.
In the last couple of years the Profit Margin of FCNCA has remained more or less at the same level.
FCNCA 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) 25.81%
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
FCNCA Yearly Profit, Operating, Gross MarginsFCNCA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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1

2. Health

2.1 Basic Checks

FCNCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCNCA has been reduced compared to 1 year ago.
Compared to 5 years ago, FCNCA has more shares outstanding
Compared to 1 year ago, FCNCA has an improved debt to assets ratio.
FCNCA Yearly Shares OutstandingFCNCA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
FCNCA Yearly Total Debt VS Total AssetsFCNCA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of FCNCA is 30.48, which is on the high side as it means it would take FCNCA, 30.48 years of fcf income to pay off all of its debts.
FCNCA has a Debt to FCF ratio of 30.48. This is amonst the worse of the industry: FCNCA underperforms 81.16% of its industry peers.
A Debt/Equity ratio of 1.68 is on the high side and indicates that FCNCA has dependencies on debt 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 90.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.68
Debt/FCF 30.48
Altman-Z N/A
ROIC/WACCN/A
WACC11.96%
FCNCA Yearly LT Debt VS Equity VS FCFFCNCA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCNCA Yearly Current Assets VS Current LiabilitesFCNCA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.17% over the past year.
Measured over the past years, FCNCA shows a very strong growth in Earnings Per Share. The EPS has been growing by 35.67% on average per year.
FCNCA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -48.06%.
Measured over the past years, FCNCA shows a very strong growth in Revenue. The Revenue has been growing by 41.38% on average per year.
EPS 1Y (TTM)11.17%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-3.18%
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%1.78%

3.2 Future

Based on estimates for the next years, FCNCA will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.20% on average per year.
FCNCA is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.48% yearly.
EPS Next Y-12.5%
EPS Next 2Y0.55%
EPS Next 3Y15.2%
EPS Next 5YN/A
Revenue Next Year-5.36%
Revenue Next 2Y-1%
Revenue Next 3Y-1.48%
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.
FCNCA Yearly Revenue VS EstimatesFCNCA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
FCNCA Yearly EPS VS EstimatesFCNCA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50 100 150 200 250

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.32, which indicates a very decent valuation of FCNCA.
Based on the Price/Earnings ratio, FCNCA is valued a bit cheaper than the industry average as 71.11% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.46. FCNCA is valued rather cheaply when compared to this.
FCNCA is valuated correctly with a Price/Forward Earnings ratio of 12.94.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCNCA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 92.56. FCNCA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.32
Fwd PE 12.94
FCNCA Price Earnings VS Forward Price EarningsFCNCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than 72.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.48
EV/EBITDA N/A
FCNCA Per share dataFCNCA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

A more expensive valuation may be justified as FCNCA's earnings are expected to grow with 15.20% in the coming years.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y0.55%
EPS Next 3Y15.2%

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5

5. Dividend

5.1 Amount

FCNCA has a yearly dividend return of 0.35%, which is pretty low.
Compared to an average industry Dividend Yield of 3.17, FCNCA's dividend is way lower than its industry peers. On top of this 86.43% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.27, FCNCA's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.35%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)41.45%
Div Incr Years8
Div Non Decr Years34
FCNCA Yearly Dividends per shareFCNCA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

6.13% of the earnings are spent on dividend by FCNCA. This is a low number and sustainable payout ratio.
FCNCA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP6.13%
EPS Next 2Y0.55%
EPS Next 3Y15.2%
FCNCA Yearly Income VS Free CF VS DividendFCNCA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B
FCNCA Dividend Payout.FCNCA Dividend Payout, showing the Payout Ratio.FCNCA Dividend Payout.PayoutRetained Earnings

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FIRST CITIZENS BCSHS -CL A

NASDAQ:FCNCA (1/31/2025, 8:00:01 PM)

2204.69

-13.61 (-0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24/bmo
Earnings (Next)N/A N/A
Inst Owners63.14%
Inst Owner Change-0.46%
Ins Owners19.49%
Ins Owner Change-0.2%
Market Cap30.84B
Analysts77.14
Price Target2503.76 (13.57%)
Short Float %4.12%
Short Ratio4.94
Dividend
Industry RankSector Rank
Dividend Yield 0.35%
Yearly Dividend7.93
Dividend Growth(5Y)41.45%
DP6.13%
Div Incr Years8
Div Non Decr Years34
Ex-Date02-28 2025-02-28 (1.95)
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)5.83%
PT rev (3m)9.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)-0.16%
Valuation
Industry RankSector Rank
PE 11.32
Fwd PE 12.94
P/S 3.15
P/FCF 24.48
P/OCF 11.13
P/B 1.35
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)194.76
EY8.83%
EPS(NY)170.42
Fwd EY7.73%
FCF(TTM)90.06
FCFY4.09%
OCF(TTM)198
OCFY8.98%
SpS700.79
BVpS1631.74
TBVpS1588.06
PEG (NY)N/A
PEG (5Y)0.32
Profitability
Industry RankSector 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)2.5%
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
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 3Y-0.03%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector 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
WACC11.96%
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)11.17%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-3.18%
EPS Next Y-12.5%
EPS Next 2Y0.55%
EPS Next 3Y15.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%1.78%
Revenue Next Year-5.36%
Revenue Next 2Y-1%
Revenue Next 3Y-1.48%
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-11.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1.53%
OCF growth 3YN/A
OCF growth 5YN/A