FCNCA:NSD-First Citizens BancShares Inc (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 1772.21

Change

-7.05 (-0.40)%

Market Cap

USD 21.09B

Volume

0.07M

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through General Bank, Commercial Bank, Silicon Valley Bank (SVB) Commercial, and Rail segments. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction, commercial and industrial, and small business administration loans, as well as non-owner and owner occupied commercial mortgages. In addition, the company offers consumer loans, such as revolving mortgage, consumer auto, residential mortgage, and other consumer loans. Further, it provides wealth management services, including annuities, brokerage services, and third-party mutual funds; and investment management and advisory, trust, cash management, leasing, capital market, asset-based lending, factoring, receivables management and secured financing, underwriting and private placement, insurance, and other financial and advisory services. Additionally, the company offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. It provides its products and services through online and mobile banking platforms, as well as branch locations. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2025-04-28 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
FITB Fifth Third Bancorp

+0.47 (+1.32%)

USD 23.88B
HBAN Huntington Bancshares Incorpor..

+0.18 (+1.25%)

USD 21.20B
FITBI Fifth Third Bancorp

-0.05 (-0.20%)

USD 17.67B
GGAL Grupo Financiero Galicia SA AD..

-1.15 (-1.81%)

USD 10.47B
EWBC East West Bancorp Inc

+0.97 (+1.14%)

USD 10.25B
SSB SouthState Corporation

+0.13 (+0.15%)

USD 8.26B
CBSH Commerce Bancshares Inc

+0.47 (+0.78%)

USD 8.20B
UMBF UMB Financial Corporation

+0.27 (+0.28%)

USD 7.03B
PNFP Pinnacle Financial Partners In..

-0.06 (-0.06%)

USD 6.75B
ONB Old National Bancorp

-0.09 (-0.43%)

USD 6.71B

ETFs Containing FCNCA

CALL-U:CA Evolve US Banks Enhanced .. 7.23 % 0.00 %

N/A

N/A
CALL-B:CA Evolve US Banks Enhanced .. 6.52 % 0.00 %

N/A

N/A
GABF Gabelli Financial Service.. 3.15 % 0.00 %

+0.20 (+0.00%)

USD 0.04B
QWST 2.14 % 0.00 %

N/A

N/A
IAT iShares U.S. Regional Ban.. 0.00 % 0.42 %

+0.35 (+0.00%)

N/A
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

+0.14 (+0.00%)

USD 0.21B
VB Vanguard Small-Cap Index .. 0.00 % 0.05 %

+1.01 (+0.00%)

N/A
VBR Vanguard Small-Cap Value .. 0.00 % 0.07 %

+0.87 (+0.00%)

USD 25.96B
ZBK:CA BMO Equal Weight US Banks.. 0.00 % 0.37 %

+0.10 (+0.00%)

CAD 0.79B
CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.68 %

+0.03 (+0.00%)

CAD 0.10B
CEM2:F 0.00 % 0.00 %

N/A

N/A
CEM2:XETRA 0.00 % 0.00 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -16.13% 11% F 38% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -16.13% 10% F 38% F
Trailing 12 Months  
Capital Gain 3.79% 28% F 64% D
Dividend Return 0.31% 1% F 5% F
Total Return 4.10% 18% F 59% D-
Trailing 5 Years  
Capital Gain 363.92% 98% N/A 95% A
Dividend Return 4.21% 2% F 9% A-
Total Return 368.12% 98% N/A 95% A
Average Annual (5 Year Horizon)  
Capital Gain 47.27% 98% N/A 89% A-
Dividend Return 47.63% 98% N/A 89% A-
Total Return 0.36% 2% F 11% F
Risk Return Profile  
Volatility (Standard Deviation) 48.11% 10% F 37% F
Risk Adjusted Return 99.00% 97% N/A 96% N/A
Market Capitalization 21.09B 99% N/A 96% N/A

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.