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

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

1781.39  -9.26 (-0.52%)

Fundamental Rating

3

FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. There are concerns on the financial health of FCNCA while its profitability can be described as average. FCNCA has a correct valuation and a medium 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.
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.
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

Looking at the Return On Assets, with a value of 1.21%, FCNCA is in the better half of the industry, outperforming 78.64% of the companies in the same industry.
The Return On Equity of FCNCA (12.22%) is better than 83.67% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
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 better Profit Margin (27.83%) than 75.88% of its industry peers.
FCNCA's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for FCNCA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.83%
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.
Compared to 1 year ago, FCNCA has less shares outstanding
Compared to 5 years ago, FCNCA has more shares outstanding
The debt/assets ratio for FCNCA has been reduced compared to a year ago.
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

FCNCA has a debt to FCF ratio of 26.20. This is a negative value and a sign of low solvency as FCNCA would need 26.20 years to pay back of all of its debts.
FCNCA has a Debt to FCF ratio of 26.20. This is amonst the worse of the industry: FCNCA underperforms 83.17% of its industry peers.
FCNCA has a Debt/Equity ratio of 1.71. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of FCNCA (1.71) is worse than 88.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Altman-Z N/A
ROIC/WACCN/A
WACC11.61%
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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3. Growth

3.1 Past

FCNCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.65%.
The Earnings Per Share has been growing by 35.67% on average over the past years. This is a very strong growth
Looking at the last year, FCNCA shows a very negative growth in Revenue. The Revenue has decreased by -48.06% in the last year.
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)-13.65%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-28.59%
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%0.13%

3.2 Future

Based on estimates for the next years, FCNCA will show a small growth in Earnings Per Share. The EPS will grow by 3.66% on average per year.
FCNCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.93% yearly.
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue Next Year-2.99%
Revenue Next 2Y-0.38%
Revenue Next 3Y0.93%
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.
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 2021 2022 2023 2024 2025 2026 2027 50 100 150 200

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.92, which indicates a very decent valuation of FCNCA.
71.61% of the companies in the same industry are more expensive than FCNCA, based on the Price/Earnings ratio.
FCNCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 9.08.
Based on the Price/Forward Earnings ratio, FCNCA is valued a bit cheaper than the industry average as 62.06% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, FCNCA is valued rather cheaply.
Industry RankSector Rank
PE 9.92
Fwd PE 9.08
FCNCA Price Earnings VS Forward Price EarningsFCNCA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

70.10% of the companies in the same industry are cheaper than FCNCA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.83
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

PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y0.38%
EPS Next 3Y3.66%

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5

5. Dividend

5.1 Amount

FCNCA has a yearly dividend return of 0.44%, which is pretty low.
With a Dividend Yield of 0.44, FCNCA pays less dividend than the industry average, which is at 3.63. 86.93% of the companies listed in the same industry pay a better dividend than FCNCA!
Compared to an average S&P500 Dividend Yield of 2.51, FCNCA's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.44%

5.2 History

The dividend of FCNCA is nicely growing with an annual growth rate of 48.04%!
FCNCA has paid a dividend for at least 10 years, which is a reliable track record.
FCNCA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)48.04%
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

FCNCA pays out 5.82% 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.
DP5.82%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
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 (4/25/2025, 10:15:42 AM)

1781.39

-9.26 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners63.02%
Inst Owner Change1.35%
Ins Owners18.56%
Ins Owner Change-175.76%
Market Cap25.90B
Analysts78.18
Price Target2338.18 (31.26%)
Short Float %3.28%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 0.44%
Yearly Dividend11.19
Dividend Growth(5Y)48.04%
DP5.82%
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)2.79%
Min EPS beat(2)-6.04%
Max EPS beat(2)11.62%
EPS beat(4)3
Avg EPS beat(4)8.6%
Min EPS beat(4)-6.04%
Max EPS beat(4)18.54%
EPS beat(8)5
Avg EPS beat(8)6.23%
EPS beat(12)8
Avg EPS beat(12)6.1%
EPS beat(16)12
Avg EPS beat(16)13.68%
Revenue beat(2)1
Avg Revenue beat(2)1.36%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-5.4%
Max Revenue beat(4)3.21%
Revenue beat(8)5
Avg Revenue beat(8)0.13%
Revenue beat(12)9
Avg Revenue beat(12)8.07%
Revenue beat(16)11
Avg Revenue beat(16)6.2%
PT rev (1m)-3.8%
PT rev (3m)-1.09%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)4.38%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)2.84%
Valuation
Industry RankSector Rank
PE 9.92
Fwd PE 9.08
P/S 2.65
P/FCF 17.83
P/OCF 8.67
P/B 1.17
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)179.63
EY10.08%
EPS(NY)196.24
Fwd EY11.02%
FCF(TTM)99.93
FCFY5.61%
OCF(TTM)205.5
OCFY11.54%
SpS671.11
BVpS1528.75
TBVpS1487.83
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 12.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.83%
GM N/A
FCFM 14.89%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 26.2
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 15.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 53.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.61%
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)-13.65%
EPS 3Y53.47%
EPS 5Y35.67%
EPS Q2Q%-28.59%
EPS Next Y-11.04%
EPS Next 2Y0.38%
EPS Next 3Y3.66%
EPS Next 5YN/A
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%0.13%
Revenue Next Year-2.99%
Revenue Next 2Y-0.38%
Revenue Next 3Y0.93%
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 1Y17.94%
FCF growth 3YN/A
FCF growth 5Y28.22%
OCF growth 1Y12.33%
OCF growth 3YN/A
OCF growth 5Y40.78%