First Citizens BancShares, Inc. (FCNCA)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $bn | 2 | 2 | 5 | 9 | 10 | 10 | 10 | - |
| Operating profit | $bn | 3 | 3 | ||||||
| Net profit | $bn | 0 | 1 | 1 | 11 | 3 | 2 | 2 | 2 |
| EPS reported | $ | 165.8 | 187.0 | ||||||
| Operating cashflow per share | $ | 236.4 | 275.8 | ||||||
| Capex per share | $ | 68.92 | 53.75 | ||||||
| FCF per share | $ | 167.5 | 222.0 | ||||||
| Free cash flow | $bn | 2 | 3 | ||||||
| Net debt | $bn | 15 | 31 | ||||||
| Book value equity | $bn | 22 | 22 | ||||||
| Book value per share | $ | 1,799 | 1,898 | ||||||
| Number of shares | m | 12.36 | 11.54 | ||||||
| DPS (TTM paid) | $ | 7.95 | 8.40 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.95 | 11.81 | ||||||
| P/B LTM | x | 1.19 | 1.21 | ||||||
| P/S LTM | x | 2.78 | 2.77 | ||||||
| P/FCF LTM | x | 12.81 | 10.36 | ||||||
| EV/EBITDA LTM | x | 12.34 | 12.06 | ||||||
| EV/Sales LTM | x | 2.89 | 3.93 | ||||||
| Earnings Yield LTM | % | +7.72% | +8.47% | ||||||
| FCF Yield | % | +7.81% | +9.65% | ||||||
| Quality | |||||||||
| ROE | % | +9.92% | +10.68% | ||||||
| ROIC | % | +3.29% | +0.99% | ||||||
| Operating margin | % | +20.49% | +21.88% | ||||||
| Gross margin | % | +61.44% | +64.04% | ||||||
| FCF/Sales | % | +14.29% | +17.75% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -12.49% | -1.25% | ||||||
| Sales Growth YoY | % | -2.02% | -1.45% | ||||||
| Net Income Growth YoY | % | -20.56% | -15.23% | ||||||
| FCF Growth | % | +42.53% | +76.26% | ||||||
| Operating Profit Growth | % | -17.29% | -12.08% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.61% | +0.36% | ||||||
| Dividend Growth | % | +15.72% | +22.27% | ||||||
| Payout Ratio | % | +7.86% | +8.13% | ||||||
| FCF/Debt | x | 0.06 | 0.08 | ||||||
| Net Debt/EBITDA | x | 4.53 | 8.82 | ||||||
| EBIT/Net interest | x | 0.60 | 0.65 | ||||||
| Net debt/market cap | % | +1.36% | +1.23% | ||||||
| Net debt/Equity | x | 0.68 | 1.40 | ||||||
| Gross debt/equity | x | 1.62 | 1.47 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Citizens BancShares, Inc. (FCNCA)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
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