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

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

1901.91  -87.71 (-4.41%)

After market: 1901.91 0 (0%)

Fundamental Rating

3

FCNCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 401 industry peers in the Banks industry. Both the profitability and financial health of FCNCA have multiple concerns. FCNCA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years FCNCA has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: FCNCA reported negative operating cash flow in multiple 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 77.22% of its industry peers.
FCNCA has a better Return On Equity (11.08%) than 79.49% of its industry peers.
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's Profit Margin of 25.81% is fine compared to the rest of the industry. FCNCA outperforms 67.09% 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.
Compared to 1 year ago, FCNCA has less shares outstanding
FCNCA has more shares outstanding than it did 5 years ago.
FCNCA has a better debt/assets ratio than last year.
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 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 has a worse Debt to FCF ratio (30.48) than 80.00% 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 has a Debt to Equity ratio of 1.68. This is amonst the worse of the industry: FCNCA underperforms 91.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.68
Debt/FCF 30.48
Altman-Z N/A
ROIC/WACCN/A
WACC11.53%
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

FCNCA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.17%, which is quite good.
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.
The Revenue for FCNCA has decreased by -48.06% in the past year. This is quite bad
The Revenue has been growing by 41.38% on average over the past years. This is a very strong growth!
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 small growth in Earnings Per Share. The EPS will grow by 3.94% on average per year.
Based on estimates for the next years, FCNCA will show a small growth in Revenue. The Revenue will grow by 0.74% on average per year.
EPS Next Y-10.39%
EPS Next 2Y1.04%
EPS Next 3Y3.94%
EPS Next 5YN/A
Revenue Next Year-2.72%
Revenue Next 2Y0.02%
Revenue Next 3Y0.74%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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

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4

4. Valuation

4.1 Price/Earnings Ratio

FCNCA is valuated reasonably with a Price/Earnings ratio of 9.77.
80.25% 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 29.41.
FCNCA is valuated reasonably with a Price/Forward Earnings ratio of 10.90.
FCNCA's Price/Forward Earnings ratio is in line with the industry average.
FCNCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.77
Fwd PE 10.9
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

Based on the Price/Free Cash Flow ratio, FCNCA is valued a bit more expensive than 71.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.22
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)0.27
EPS Next 2Y1.04%
EPS Next 3Y3.94%

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5

5. Dividend

5.1 Amount

With a yearly dividend of 0.38%, FCNCA is not a good candidate for dividend investing.
With a Dividend Yield of 0.38, FCNCA pays less dividend than the industry average, which is at 3.26. 86.33% 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 2.30.
Industry RankSector 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
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.
The dividend of FCNCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP6.13%
EPS Next 2Y1.04%
EPS Next 3Y3.94%
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 (3/4/2025, 4:30:02 PM)

After market: 1901.91 0 (0%)

1901.91

-87.71 (-4.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24/bmo
Earnings (Next)04-23 2025-04-23/bmo
Inst Owners63.02%
Inst Owner Change-2.29%
Ins Owners18.56%
Ins Owner Change-98.1%
Market Cap28.00B
Analysts77.27
Price Target2514.9 (32.23%)
Short Float %2.37%
Short Ratio3.85
Dividend
Industry RankSector Rank
Dividend Yield 0.38%
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)0.44%
PT rev (3m)14.78%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-0.44%
EPS NY rev (1m)2.41%
EPS NY rev (3m)4.65%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)2.78%
Revenue NY rev (3m)3.48%
Valuation
Industry RankSector Rank
PE 9.77
Fwd PE 10.9
P/S 2.86
P/FCF 22.22
P/OCF 10.11
P/B 1.23
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)194.76
EY10.24%
EPS(NY)174.53
Fwd EY9.18%
FCF(TTM)85.6
FCFY4.5%
OCF(TTM)188.18
OCFY9.89%
SpS666.03
BVpS1550.82
TBVpS1509.31
PEG (NY)N/A
PEG (5Y)0.27
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
WACC11.53%
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-10.39%
EPS Next 2Y1.04%
EPS Next 3Y3.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-48.06%
Revenue growth 3Y72.58%
Revenue growth 5Y41.38%
Sales Q2Q%1.78%
Revenue Next Year-2.72%
Revenue Next 2Y0.02%
Revenue Next 3Y0.74%
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