Stock Scorecard

Stock Summary for First Citizens Bancshares Inc (NC) (FCNCP) - $21.27 as of 5/9/2025 11:37:17 PM EST

Total Score

10 out of 30

Safety Score

59 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for FCNCP

Positive 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 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 FCNCP

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 FCNCP

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 FCNCP

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 FCNCP (59 out of 100)

Stock Price Rating (Max of 10) 7
Historical Stock Price Rating (Max of 10) 7
Stock Price Trend (Max of 10) 0
Book Value (Max of 10) 10
Book Value to Price (Max of 10) 10
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 8
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 1
Price to Earnings (Max of 10) 10
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for FCNCP

Company Overview
Ticker FCNCP
Company Name First Citizens Bancshares Inc (NC)
Country USA
Description First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, North Carolina.
Sector Name FINANCE
Industry Name STATE COMMERCIAL BANKS
Most Recent Quarter 3/31/2025
Next Earnings Date 7/23/2025

Stock Price History
Last Day Price 21.27
Price 4 Years Ago 21.46
Last Day Price Updated 5/9/2025 11:37:17 PM EST
Last Day Volume 16,067
Average Daily Volume 37,885
52-Week High 23.71
52-Week Low 19.30
Last Price to 52 Week Low 10.21%

Valuation Measures
Trailing PE 0.37
Industry PE 16.15
Sector PE 18.79
5-Year Average PE 0.57
Free Cash Flow Ratio 0.00
Industry Free Cash Flow Ratio 6.75
Sector Free Cash Flow Ratio 25.54
Current Ratio Most Recent Quarter 67.99
Total Cash Per Share 0.00
Book Value Per Share Most Recent Quarter 1,596.28
Price to Book Ratio 0.00
Industry Price to Book Ratio 1.05
Sector Price to Book Ratio 2.06
Price to Sales Ratio Twelve Trailing Months 0.00
Industry Price to Sales Ratio Twelve Trailing Months 3.02
Sector Price to Sales Ratio Twelve Trailing Months 3.16
Analyst Buy Ratings N/A
Analyst Strong Buy Ratings N/A

Share Statistics
Total Shares Outstanding 0
Market Capitalization 0
Institutional Ownership N/A

Dividends
Ex-Dividend Date 5/30/2025
Previous Dividend Amount 0.3359
Current Dividend Amount 0.3359
Total Years Dividend Increasing 1
Trailing Annual Dividend Rate 1.34
Trailing Annual Dividend Yield 6.32%
Forward Annual Dividend Rate 1.34
Forward Annual Dividend Yield 6.32%
5-Year Dividend Payments Count 19
3-Year Average Dividend Yield 6.12%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio 2.34%

Income Statement
Quarterly Earnings Growth YOY -30.00%
Annual Earnings Growth -75.78%
Reported EPS 12 Trailing Months 57.47
Reported EPS Past Year 27.26
Reported EPS Prior Year 56.91
Net Income Twelve Trailing Months 2,529,000,000
Net Income Past Year 2,777,000,000
Net Income Prior Year 11,466,000,000
Quarterly Revenue Growth YOY -10.00%
5-Year Revenue Growth 41.30%
Operating Margin Twelve Trailing Months 34.80%

Balance Sheet
Total Cash Most Recent Quarter 22,178,000,000
Total Cash Past Year 22,178,000,000
Total Cash Prior Year 34,517,000,000
Net Cash Position Most Recent Quarter -14,491,000,000
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 36,669,000,000
Equity to Debt Ratio Past Year 0.38
Equity to Debt Ratio Most Recent Quarter 0.38
Total Stockholder Equity Past Year 22,228,000,000
Total Stockholder Equity Prior Year 21,255,000,000
Total Stockholder Equity Most Recent Quarter 22,295,000,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 1,754,000,000
Free Cash Flow Per Share Twelve Trailing Months 0.00
Free Cash Flow Past Year 1,882,000,000
Free Cash Flow Prior Year 1,232,000,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.05
MACD Signal -0.09
20-Day Bollinger Lower Band 19.81
20-Day Bollinger Middle Band 21.67
20-Day Bollinger Upper Band 23.54
Beta 0.64
RSI 58.31
50-Day SMA 19.79
150-Day SMA 0.00
200-Day SMA 20.13

System
Modified 5/9/2025 11:37:18 PM EST