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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

SouthState Corp.

East West Bancorp, Inc.

First Citizens BancShares, Inc. (North Carolina)

Truist Financial Corp.

Fifth Third Bancorp

Commerce Bancshares, Inc. (Missouri)

M&T Bank Corp.

Cullen/Frost Bankers, Inc.

Fiserv, Inc.

Ally Financial, Inc.

First Horizon Corp. (Tennessee)

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

Strong Long Term Fundamental Strength with a 35.59% 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 35.59%

Positive results in Dec 25

DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 836 MM
OPERATING PROFIT MARGIN(Q) Highest at 28.44 %

With ROA of 0.75%, it has a expensive valuation with a 1.00 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 2.42%, its profits have fallen by -15.2%

High Institutional Holdings at 71.96%

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

Underperformed the market in the last 1 year

The stock has generated a return of 2.42% in the last 1 year, much lower than market (S&P 500) returns of 17.45%

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)

2.03%

0.39

33.77%

S&P 500

17.45%

0.90

19.38%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

51.33%

EBIT Growth (5y)

40.94%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

4.81%

Pledged Shares

Institutional Holding

71.96%

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

1.00

EV to EBIT

12.24

EV to EBITDA

9.44

EV to Capital Employed

1.00

EV to Sales

2.50

PEG Ratio

Dividend Yield

0.47%

ROCE (Latest)

8.20%

ROE (Latest)

11.44%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

No Trend

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

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 836 MM

OPERATING PROFIT MARGIN(Q)

Highest at 28.44 %

PRE-TAX PROFIT(Q)

Highest at USD 853 MM

-2What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 1,873 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 years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 836 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 28.44 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 853 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

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

Operating Cash Flow

Lowest at USD 1,873 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Operating Income

Highest at USD 0.02 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income

Capital Adequacy Ratio

Lowest at 11.91%

in the last five periods

MOJO Watch

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

CAR (%)