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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.36
FCNCA's Cash to Debt is ranked higher than
76% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCNCA: 1.36 )
FCNCA' s 10-Year Cash to Debt Range
Min: 0.46   Max: 1.4
Current: 1.36

0.46
1.4
Equity to Asset 0.10
FCNCA's Equity to Asset is ranked higher than
68% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCNCA: 0.10 )
FCNCA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 4.67
FCNCA's Interest Coverage is ranked higher than
92% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCNCA: 4.67 )
FCNCA' s 10-Year Interest Coverage Range
Min: 0.38   Max: 4.67
Current: 4.67

0.38
4.67
F-Score: 5
Z-Score: 0.28
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 26.37
FCNCA's Operating margin (%) is ranked higher than
69% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. FCNCA: 26.37 )
FCNCA' s 10-Year Operating margin (%) Range
Min: 17.19   Max: 27.71
Current: 26.37

17.19
27.71
Net-margin (%) 16.71
FCNCA's Net-margin (%) is ranked higher than
65% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. FCNCA: 16.71 )
FCNCA' s 10-Year Net-margin (%) Range
Min: 11.22   Max: 17.32
Current: 16.71

11.22
17.32
ROE (%) 8.08
FCNCA's ROE (%) is ranked higher than
74% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. FCNCA: 8.08 )
FCNCA' s 10-Year ROE (%) Range
Min: 6.31   Max: 12.13
Current: 8.08

6.31
12.13
ROA (%) 0.79
FCNCA's ROA (%) is ranked higher than
74% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FCNCA: 0.79 )
FCNCA' s 10-Year ROA (%) Range
Min: 0.54   Max: 0.93
Current: 0.79

0.54
0.93
ROC (Joel Greenblatt) (%) 30.19
FCNCA's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. FCNCA: 30.19 )
FCNCA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.2   Max: 44.27
Current: 30.19

13.2
44.27
Revenue Growth (%) -2.70
FCNCA's Revenue Growth (%) is ranked higher than
64% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCNCA: -2.70 )
FCNCA' s 10-Year Revenue Growth (%) Range
Min: -2.7   Max: 18.3
Current: -2.7

-2.7
18.3
EBITDA Growth (%) -0.20
FCNCA's EBITDA Growth (%) is ranked higher than
63% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FCNCA: -0.20 )
FCNCA' s 10-Year EBITDA Growth (%) Range
Min: -4.7   Max: 24.5
Current: -0.2

-4.7
24.5
EPS Growth (%) -2.00
FCNCA's EPS Growth (%) is ranked higher than
61% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. FCNCA: -2.00 )
FCNCA' s 10-Year EPS Growth (%) Range
Min: -8.3   Max: 29.1
Current: -2

-8.3
29.1
» FCNCA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

FCNCA Guru Trades in Q1 2013

Paul Tudor Jones 3,400 sh (New)
Howard Marks 62,000 sh (unchged)
Chuck Royce 107,053 sh (unchged)
Jim Simons 33,600 sh (-17.65%)
» More
Q2 2013

FCNCA Guru Trades in Q2 2013

Chuck Royce 136,953 sh (+27.93%)
Jim Simons 36,000 sh (+7.14%)
Howard Marks Sold Out
Paul Tudor Jones 2,900 sh (-14.71%)
» More
Q3 2013

FCNCA Guru Trades in Q3 2013

Murray Stahl 1,654 sh (New)
Jim Simons 37,081 sh (+3%)
Paul Tudor Jones Sold Out
Chuck Royce 134,953 sh (-1.46%)
» More
Q4 2013

FCNCA Guru Trades in Q4 2013

Murray Stahl 2,345 sh (+41.78%)
Chuck Royce 131,953 sh (-2.22%)
Jim Simons 30,081 sh (-18.88%)
» More
» Details

Insider Trades

Latest Guru Trades with FCNCA



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.30
FCNCA's P/E(ttm) is ranked higher than
72% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. FCNCA: 13.30 )
FCNCA' s 10-Year P/E(ttm) Range
Min: 7.47   Max: 34.69
Current: 13.3

7.47
34.69
P/B 1.10
FCNCA's P/B is ranked higher than
64% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCNCA: 1.10 )
FCNCA' s 10-Year P/B Range
Min: 0.56   Max: 1.79
Current: 1.1

0.56
1.79
P/S 2.20
FCNCA's P/S is ranked higher than
70% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FCNCA: 2.20 )
FCNCA' s 10-Year P/S Range
Min: 1.01   Max: 2.99
Current: 2.2

1.01
2.99
PFCF 8.30
FCNCA's PFCF is ranked higher than
53% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCNCA: 8.30 )
FCNCA' s 10-Year PFCF Range
Min: 3.78   Max: 399
Current: 8.3

3.78
399
EV-to-EBIT 12.20
FCNCA's EV-to-EBIT is ranked higher than
78% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. FCNCA: 12.20 )
FCNCA' s 10-Year EV-to-EBIT Range
Min: 4.5   Max: 34.2
Current: 12.2

4.5
34.2
PEG 2.60
FCNCA's PEG is ranked lower than
54% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCNCA: 2.60 )
FCNCA' s 10-Year PEG Range
Min: 0.56   Max: 19.17
Current: 2.6

0.56
19.17
Shiller P/E 15.10
FCNCA's Shiller P/E is ranked higher than
74% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. FCNCA: 15.10 )
FCNCA' s 10-Year Shiller P/E Range
Min: 7.84   Max: 22.13
Current: 15.1

7.84
22.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.50
FCNCA's Dividend Yield is ranked lower than
90% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FCNCA: 0.50 )
FCNCA' s 10-Year Dividend Yield Range
Min: 0.49   Max: 1.46
Current: 0.5

0.49
1.46
Dividend Payout 0.07
FCNCA's Dividend Payout is ranked higher than
96% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FCNCA: 0.07 )
FCNCA' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.16
Current: 0.07

0.06
0.16
Yield on cost (5-Year) 0.50
FCNCA's Yield on cost (5-Year) is ranked lower than
86% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FCNCA: 0.50 )
FCNCA' s 10-Year Yield on cost (5-Year) Range
Min: 0.49   Max: 1.46
Current: 0.5

0.49
1.46
Share Buyback Rate 2.70
FCNCA's Share Buyback Rate is ranked higher than
95% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. FCNCA: 2.70 )
FCNCA' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: -4.5
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FCNCA's Price/Tangible Book is ranked higher than
76% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCNCA: 1.10 )
FCNCA' s 10-Year Price/Tangible Book Range
Min: 0.89   Max: 1.96
Current: 1.1

0.89
1.96
Price/DCF (Projected) 0.60
FCNCA's Price/DCF (Projected) is ranked higher than
71% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCNCA: 0.60 )
FCNCA' s 10-Year Price/DCF (Projected) Range
Min: 0.33   Max: 0.63
Current: 0.6

0.33
0.63
Price/Median PS Value 1.10
FCNCA's Price/Median PS Value is ranked higher than
52% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCNCA: 1.10 )
FCNCA' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.45
Current: 1.1

0.7
1.45
Price/Peter Lynch Fair Value 1.20
FCNCA's Price/Peter Lynch Fair Value is ranked higher than
50% of the 440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCNCA: 1.20 )
FCNCA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.69   Max: 3.22
Current: 1.2

0.69
3.22
Price/Graham Number 0.80
FCNCA's Price/Graham Number is ranked higher than
70% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCNCA: 0.80 )
FCNCA' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.21
Current: 0.8

0.6
1.21
Earnings Yield (Greenblatt) 8.20
FCNCA's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FCNCA: 8.20 )
FCNCA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 22.4
Current: 8.2

2.9
22.4
Forward Rate of Return (Yacktman) 15.41
FCNCA's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FCNCA: 15.41 )
FCNCA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.2   Max: 26.2
Current: 15.41

6.2
26.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FCNCB.USA
First Citizens BancShares Inc (DE) was incorporated under the laws of Delaware on August 7, 1986, to become the holding company of First-Citizens Bank & Trust Company (FCB), its banking subsidiary. The Company opened in 1898 as the Bank of Smithfield, Smithfield, North Carolina, and later became First-Citizens Bank & Trust Company. As of December 31, 2012, FCB operated 414 branches in North Carolina, Virginia, West Virginia, Maryland, Tennessee, Washington, California, Florida, Georgia, Texas, Arizona, New Mexico, Oregon, Colorado, Oklahoma, Kansas, Missouri and Washington, DC. FCB services offered at most offices include taking of deposits, cashing of checks and providing for individual and commercial cash needs; numerous checking and savings plans; commercial, business and consumer lending; a full-service trust department; and other activities incidental to commercial banking. FCB'S wholly-owned subsidiary, First Citizens Investor Services, Inc. (FCIS), provides various investment products including annuities, discount brokerage services and third-party mutual funds to customers primarily through the bank's branch network. It competes with other banks and specialized financial service providers in its market areas. Its main competitors include local, regional and national banks and savings associations, credit unions, commercial finance companies, various wealth management providers, independent and captive insurance agencies, mortgage companies and non-bank providers of financial services. The business and operations of BancShares and FCB are subject to significant federal and state governmental regulation and supervision.

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