ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Citizens BancShares, Inc. (North Carolina) ?
1
Strong Long Term Fundamental Strength with a 35.59% CAGR growth in Net Profits
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
Positive results in Jun 26
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CASH AND EQV(HY) Highest at USD 2,599 MM
- OPERATING PROFIT(Q) Highest at USD 892 MM
3
With ROA of 0.66%, it has a fair valuation with a 0.98 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 7.22%, its profits have fallen by -21.3%
4
High Institutional Holdings at 82.71%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 7.88% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Citizens BancShares, Inc. (North Carolina) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Citizens BancShares, Inc. (North Carolina) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First Citizens BancShares, Inc. (North Carolina)
7.22%
1.09
29.00%
S&P 500
16.26%
1.25
12.97%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
51.33%
EBIT Growth (5y)
40.34%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
4.81%
Pledged Shares
0
Institutional Holding
74.83%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.98
EV to EBIT
14.27
EV to EBITDA
10.57
EV to Capital Employed
0.98
EV to Sales
2.77
PEG Ratio
NA
Dividend Yield
0.47%
ROCE (Latest)
6.90%
ROE (Latest)
10.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 2,599 MM
OPERATING PROFIT(Q)
Highest at USD 892 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.29 %
PRE-TAX PROFIT(Q)
Highest at USD 906 MM
NET PROFIT(Q)
Highest at USD 683.31 MM
EPS(Q)
Highest at USD 55.48
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 2,138 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 87.09%
Here's what is working for First Citizens BancShares, Inc. (North Carolina)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 892 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.29 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 906 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 683.31 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 55.48
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 2,599 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for First Citizens BancShares, Inc. (North Carolina)
Operating Cash Flow
Lowest at USD 2,138 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 87.09%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.73%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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