FCNCA:NSD-First Citizens BancShares, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 836.08

Change

-33.92 (-3.90)%

Market Cap

USD 8.42B

Volume

0.08M

Average Target Price

USD 937.50 (+12.13%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2020, it operated 542 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-05 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+8.66 (+1.51%)

USD30.66B 18.58 N/A
FITB Fifth Third Bancorp

+0.23 (+0.56%)

USD29.40B 15.18 N/A
HBANN Huntington Bancshares Incorpor..

-0.18 (-0.69%)

USD28.49B 22.89 N/A
FITBI Fifth Third Bancorp

-0.04 (-0.14%)

USD19.92B 10.46 N/A
HBAN Huntington Bancshares Incorpor..

+0.07 (+0.45%)

USD15.76B 13.56 N/A
SBNY Signature Bank

+2.96 (+1.17%)

USD14.63B 22.39 N/A
HBANO Huntington Bancshares Incorpor..

-0.01 (-0.04%)

USD13.19B 22.23 N/A
ZION Zions Bancorporation, National..

+0.85 (+1.48%)

USD9.40B 11.66 N/A
CBSH Commerce Bancshares, Inc

+0.22 (+0.28%)

USD9.32B 22.10 N/A
PBCT People's United Financial, Inc

+0.17 (+0.92%)

USD7.90B 35.78 N/A

ETFs Containing FCNCA

Symbol Name Weight Mer Price(Change) Market Cap
QABA First Trust NASDAQ ABA Co.. 0.00 % 0.60 %

+0.06 (+0.10%)

USD0.13B
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

+0.21 (+0.65%)

USD0.23B
CEM2:F iShares US Equity Buyback.. 0.00 % 0.55 %

N/A

USD4.53M
CEM2:XETRA iShares US Equity Buyback.. 0.00 % 0.55 %

N/A

USD4.53M

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 45.59% 89% B+ 87% B+
Dividend Return 0.08% 1% F 4% F
Total Return 45.67% 88% B+ 87% B+
Trailing 12 Months  
Capital Gain 140.67% 94% A 81% B-
Dividend Return 0.50% N/A N/A 6% F
Total Return 141.17% 94% A 81% B-
Trailing 5 Years  
Capital Gain 232.85% 98% A+ 83% B
Dividend Return 2.92% 2% F 6% F
Total Return 235.77% 98% A+ 83% B
Average Annual (5 Year Horizon)  
Capital Gain 17.26% 95% A 67% D+
Dividend Return 0.38% 5% F 9% F
Total Return 17.63% 95% A 66% D
Risk Return Profile  
Volatility (Standard Deviation) 33.71% 16% F 52% F
Risk Adjusted Return 52.31% 94% A 72% C-
Market Capitalization 8.42B 97% A+ 89% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.28 35% F 58% F
Price/Book Ratio 1.97 8% F 66% D
Price / Cash Flow Ratio 24.76 16% F 19% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.06% 85% B 83% B
Return on Invested Capital 11.28% 90% A- 83% B
Return on Assets 1.22% 66% D 61% D-
Debt to Equity Ratio 14.02% 72% C- 68% D+
Technical Ratios  
Short Ratio 6.14 16% F 18% F
Short Percent 8.34% 1% F 26% F
Beta 1.22 25% F 46% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector