Stock Scorecard
Stock Summary for First Citizens Bancshares Inc (NC) - Class A (FCNCA) - $2,082.09 as of 12/12/2025 2:11:58 PM EST
Total Score
10 out of 30
Safety Score
50 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for FCNCA
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FCNCA
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FCNCA
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FCNCA
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FCNCA (50 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 10 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for FCNCA
Financial Details for FCNCA
Company Overview |
|
|---|---|
| Ticker | FCNCA |
| Company Name | First Citizens Bancshares Inc (NC) - Class A |
| Country | N/A |
| Description | First Citizens BancShares, Inc. (FCNCA), headquartered in Raleigh, North Carolina, is a leading financial services provider and the parent of First-Citizens Bank & Trust Company. The bank offers a comprehensive range of retail and commercial banking solutions designed to serve a varied client base, including individuals, small and mid-sized enterprises, and professionals. Recognized for its dedication to exceptional customer service and innovative financial products, First Citizens is strategically enhancing its growth prospects through targeted acquisitions and a strong emphasis on technological advancement. This approach solidifies its position in the competitive banking sector and ensures it meets the evolving needs of its customers effectively. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/23/2026 |
Stock Price History |
|
| Last Day Price | 2,082.09 |
| Price 4 Years Ago | 818.42 |
| Last Day Price Updated | 12/12/2025 2:11:58 PM EST |
| Last Day Volume | 78,570 |
| Average Daily Volume | 90,971 |
| 52-Week High | 2,403.05 |
| 52-Week Low | 1,468.99 |
| Last Price to 52 Week Low | 41.74% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 16.75 |
| Sector PE | 21.78 |
| 5-Year Average PE | 10.45 |
| Free Cash Flow Ratio | 0.93 |
| Industry Free Cash Flow Ratio | 6.51 |
| Sector Free Cash Flow Ratio | 46.70 |
| Current Ratio Most Recent Quarter | 0.28 |
| Total Cash Per Share | 2,245.94 |
| Book Value Per Share Most Recent Quarter | 1,672.53 |
| Price to Book Ratio | 1.16 |
| Industry Price to Book Ratio | 1.17 |
| Sector Price to Book Ratio | 2.05 |
| Price to Sales Ratio Twelve Trailing Months | 2.84 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.31 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.05 |
| Analyst Buy Ratings | 6 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 11,430,400 |
| Market Capitalization | 23,799,121,536 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 11/28/2025 |
| Previous Dividend Amount | 1.9500 |
| Current Dividend Amount | 2.1000 |
| Total Years Dividend Increasing | 8 |
| Trailing Annual Dividend Rate | 7.95 |
| Trailing Annual Dividend Yield | 0.40% |
| Forward Annual Dividend Rate | 8.40 |
| Forward Annual Dividend Yield | 0.43% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.33% |
| 5-Year Average Dividend Yield | 0.30% |
| 1-Year Dividend Growth Rate Percentage | 15.72% |
| 3-Year Dividend Growth Rate Percentage | 42.96% |
| 5-Year Dividend Growth Rate Percentage | 43.40% |
| All-Time Dividend Growth Rate Percentage | 9.65% |
| Dividend Payout Ratio | 4.71% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -0.80% |
| Annual Earnings Growth | -75.78% |
| Reported EPS 12 Trailing Months | 168.84 |
| Reported EPS Past Year | 127.19 |
| Reported EPS Prior Year | 194.76 |
| Net Income Twelve Trailing Months | 2,326,000,000 |
| Net Income Past Year | 2,777,000,000 |
| Net Income Prior Year | 11,466,000,000 |
| Quarterly Revenue Growth YOY | -3.70% |
| 5-Year Revenue Growth | 52.86% |
| Operating Margin Twelve Trailing Months | 37.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 25,672,000,000 |
| Total Cash Past Year | 22,178,000,000 |
| Total Cash Prior Year | 34,517,000,000 |
| Net Cash Position Most Recent Quarter | -12,513,000,000 |
| Net Cash Position Past Year | -14,491,000,000 |
| Long Term Debt Past Year | 36,669,000,000 |
| Long Term Debt Prior Year | 37,160,000,000 |
| Total Debt Most Recent Quarter | 38,185,000,000 |
| Equity to Debt Ratio Past Year | 0.38 |
| Equity to Debt Ratio Most Recent Quarter | 0.37 |
| Total Stockholder Equity Past Year | 22,228,000,000 |
| Total Stockholder Equity Prior Year | 21,255,000,000 |
| Total Stockholder Equity Most Recent Quarter | 21,986,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,845,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 161.41 |
| Free Cash Flow Past Year | 1,453,000,000 |
| Free Cash Flow Prior Year | 1,232,000,000 |
Options |
|
| Put/Call Ratio | 3.67 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 50.24 |
| MACD Signal | 35.40 |
| 20-Day Bollinger Lower Band | 1,676.46 |
| 20-Day Bollinger Middle Band | 1,869.13 |
| 20-Day Bollinger Upper Band | 2,061.80 |
| Beta | 0.71 |
| RSI | 75.87 |
| 50-Day SMA | 1,913.05 |
| 150-Day SMA | 1,635.93 |
| 200-Day SMA | 1,411.31 |
System |
|
| Modified | 12/12/2025 10:43:27 PM EST |