First Citizens BancShares, Inc. (North Carolina) (FCNCA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

SouthState Corp.

East West Bancorp, Inc.

Truist Financial Corp.

First Citizens BancShares, Inc. (North Carolina)

M&T Bank Corp.

Cullen/Frost Bankers, Inc.

Fifth Third Bancorp

Commerce Bancshares, Inc. (Missouri)

Ally Financial, Inc.

Fiserv, Inc.

First Horizon Corp. (Tennessee)

Why is First Citizens BancShares, Inc. (North Carolina) ?

Strong Long Term Fundamental Strength with a 41.26% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 41.26%

Flat results in Jun 25

NET PROFIT(HY) At USD 1,117.99 MM has Grown at -26.13%
GROSS NPA (%)(Q) Highest at 0.93%
CREDIT DEPOSIT RATIO(HY) Lowest at 88.33%

With ROA of 0.85%, it has a fair valuation with a 1.10 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 -19.79%, its profits have fallen by -12.3% ; the PEG ratio of the company is 7.4

High Institutional Holdings at 72.52%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -19.79% returns

Real-Time Research Report

Verdict Report

How 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)

-11.25%

0.38

33.04%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

52.57%

EBIT Growth (5y)

43.73%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

3.63%

Pledged Shares

Institutional Holding

72.52%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.10

EV to EBIT

12.27

EV to EBITDA

10.00

EV to Capital Employed

1.07

EV to Sales

2.80

PEG Ratio

7.35

Dividend Yield

0.43%

ROCE (Latest)

8.71%

ROE (Latest)

12.04%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 3,067 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 4.6%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-5What is not working for the Company

NET PROFIT(HY)

At USD 1,117.99 MM has Grown at -26.13%

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 88.33%

Here's what is working for First Citizens BancShares, Inc. (North Carolina)

Operating Cash Flow

Highest at USD 3,067 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 4.6%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at USD 200 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for First Citizens BancShares, Inc. (North Carolina)

Non Performing Loans (%)

Highest at 0.93%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Profit

At USD 1,117.99 MM has Grown at -26.13%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Credit Deposit Ratio

Lowest at 88.33%

in the last four Semi-Annual periods

MOJO 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 12.63%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)