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
Flat results in Mar 26
- NII(Q) Lowest at USD 1,621 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 87.03%
- NET SALES(Q) Lowest at USD 2,786 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 14.68%, its profits have fallen by -21.3%
4
High Institutional Holdings at 74.83%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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, Medium Return
Absolute
Risk Adjusted
Volatility
First Citizens BancShares, Inc. (North Carolina)
14.68%
0.91
28.25%
S&P 500
22.99%
1.78
12.93%
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 Trend4What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
-4What is not working for the Company
NII(Q)
Lowest at USD 1,621 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 87.03%
NET SALES(Q)
Lowest at USD 2,786 MM
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)
Depreciation
Highest at USD 281 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 281 MM has Grown at 26.01%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for First Citizens BancShares, Inc. (North Carolina)
NII
Lowest at USD 1,621 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Net Sales
Lowest at USD 2,786 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 87.03%
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 11.79%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
