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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 0.90
FIZN's Cash to Debt is ranked lower than
55% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FIZN: 0.90 )
Ranked among companies with meaningful Cash to Debt only.
FIZN' s 10-Year Cash to Debt Range
Min: 0.24  Med: 0.81 Max: N/A
Current: 0.9
Equity to Asset 0.10
FIZN's Equity to Asset is ranked lower than
56% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FIZN: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FIZN' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.1
Current: 0.1
0.08
0.1
Interest Coverage 2.71
FIZN's Interest Coverage is ranked higher than
65% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FIZN: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
FIZN' s 10-Year Interest Coverage Range
Min: 0.45  Med: 1.64 Max: 2.87
Current: 2.71
0.45
2.87
F-Score: 4
WACC vs ROIC
5.03%
10.05%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 30.83
FIZN's Operating margin (%) is ranked higher than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FIZN: 30.83 )
Ranked among companies with meaningful Operating margin (%) only.
FIZN' s 10-Year Operating margin (%) Range
Min: 22.22  Med: 30.83 Max: 35.62
Current: 30.83
22.22
35.62
Net-margin (%) 24.59
FIZN's Net-margin (%) is ranked higher than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FIZN: 24.59 )
Ranked among companies with meaningful Net-margin (%) only.
FIZN' s 10-Year Net-margin (%) Range
Min: 17.5  Med: 24.59 Max: 27.48
Current: 24.59
17.5
27.48
ROE (%) 10.71
FIZN's ROE (%) is ranked higher than
65% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FIZN: 10.71 )
Ranked among companies with meaningful ROE (%) only.
FIZN' s 10-Year ROE (%) Range
Min: 10.32  Med: 11.65 Max: 26.65
Current: 10.71
10.32
26.65
ROA (%) 1.02
FIZN's ROA (%) is ranked higher than
61% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FIZN: 1.02 )
Ranked among companies with meaningful ROA (%) only.
FIZN' s 10-Year ROA (%) Range
Min: 0.88  Med: 1.10 Max: 2.57
Current: 1.02
0.88
2.57
Revenue Growth (3Y)(%) 4.50
FIZN's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FIZN: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FIZN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.2  Med: 3.35 Max: 4.5
Current: 4.5
2.2
4.5
EBITDA Growth (3Y)(%) 3.20
FIZN's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FIZN: 3.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FIZN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 3.2  Med: 12.40 Max: 12.9
Current: 3.2
3.2
12.9
EPS Growth (3Y)(%) 4.30
FIZN's EPS Growth (3Y)(%) is ranked lower than
64% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FIZN: 4.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FIZN' s 10-Year EPS Growth (3Y)(%) Range
Min: 4.3  Med: 16.25 Max: 17.7
Current: 4.3
4.3
17.7
» FIZN's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FIZN

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Ratios

vs
industry
vs
history
P/E(ttm) 12.53
FIZN's P/E(ttm) is ranked higher than
53% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FIZN: 12.53 )
Ranked among companies with meaningful P/E(ttm) only.
FIZN' s 10-Year P/E(ttm) Range
Min: 10.45  Med: 17.25 Max: 19.59
Current: 12.53
10.45
19.59
PE(NRI) 12.60
FIZN's PE(NRI) is ranked higher than
53% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FIZN: 12.60 )
Ranked among companies with meaningful PE(NRI) only.
FIZN' s 10-Year PE(NRI) Range
Min: 10.45  Med: 17.25 Max: 19.59
Current: 12.6
10.45
19.59
P/B 1.30
FIZN's P/B is ranked lower than
70% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FIZN: 1.30 )
Ranked among companies with meaningful P/B only.
FIZN' s 10-Year P/B Range
Min: 1.07  Med: 1.76 Max: 2
Current: 1.3
1.07
2
P/S 3.09
FIZN's P/S is ranked lower than
56% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FIZN: 3.09 )
Ranked among companies with meaningful P/S only.
FIZN' s 10-Year P/S Range
Min: 1.94  Med: 3.21 Max: 3.64
Current: 3.09
1.94
3.64
PFCF 10.53
FIZN's PFCF is ranked lower than
51% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FIZN: 10.53 )
Ranked among companies with meaningful PFCF only.
FIZN' s 10-Year PFCF Range
Min: 5.82  Med: 9.60 Max: 10.91
Current: 10.53
5.82
10.91
POCF 8.59
FIZN's POCF is ranked higher than
53% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FIZN: 8.59 )
Ranked among companies with meaningful POCF only.
FIZN' s 10-Year POCF Range
Min: 5.31  Med: 8.77 Max: 9.96
Current: 8.59
5.31
9.96
EV-to-EBIT 11.18
FIZN's EV-to-EBIT is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FIZN: 11.18 )
Ranked among companies with meaningful EV-to-EBIT only.
FIZN' s 10-Year EV-to-EBIT Range
Min: 10.4  Med: 15.35 Max: 17.1
Current: 11.18
10.4
17.1
PEG 1.47
FIZN's PEG is ranked lower than
64% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FIZN: 1.47 )
Ranked among companies with meaningful PEG only.
FIZN' s 10-Year PEG Range
Min: 0  Med: 0.00 Max: 0
Current: 1.47
Shiller P/E 14.09
FIZN's Shiller P/E is ranked higher than
59% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FIZN: 14.09 )
Ranked among companies with meaningful Shiller P/E only.
FIZN' s 10-Year Shiller P/E Range
Min: 0  Med: 0.00 Max: 14.6
Current: 14.09
0
14.6
Days Sales Outstanding 41.48
FIZN's Days Sales Outstanding is ranked lower than
60% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FIZN: 41.48 )
Ranked among companies with meaningful Days Sales Outstanding only.
FIZN' s 10-Year Days Sales Outstanding Range
Min: 35.22  Med: 40.97 Max: 47.34
Current: 41.48
35.22
47.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
FIZN's Dividend Yield is ranked lower than
64% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FIZN: 2.14 )
Ranked among companies with meaningful Dividend Yield only.
FIZN' s 10-Year Dividend Yield Range
Min: 0.31  Med: 0.36 Max: 0.59
Current: 2.14
0.31
0.59
Dividend Payout 0.27
FIZN's Dividend Payout is ranked higher than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FIZN: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
FIZN' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.18 Max: 0.27
Current: 0.27
0.06
0.27
Dividend growth (3y) 18.60
FIZN's Dividend growth (3y) is ranked higher than
73% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FIZN: 18.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
FIZN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 9.30 Max: 88.2
Current: 18.6
0
88.2
Yield on cost (5-Year) 2.14
FIZN's Yield on cost (5-Year) is ranked lower than
68% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FIZN: 2.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FIZN' s 10-Year Yield on cost (5-Year) Range
Min: 0.31  Med: 0.36 Max: 2.15
Current: 2.14
0.31
2.15
Share Buyback Rate -0.30
FIZN's Share Buyback Rate is ranked higher than
69% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FIZN: -0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
FIZN' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: 0.15 Max: -0.3
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.58
FIZN's Price/Tangible Book is ranked lower than
75% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FIZN: 1.58 )
Ranked among companies with meaningful Price/Tangible Book only.
FIZN' s 10-Year Price/Tangible Book Range
Min: 1.41  Med: 1.41 Max: 1.41
Current: 1.58
Earnings Yield (Greenblatt) (%) 8.95
FIZN's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FIZN: 8.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FIZN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.8  Med: 6.50 Max: 9.6
Current: 8.95
5.8
9.6
Forward Rate of Return (Yacktman) (%) 16.44
FIZN's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FIZN: 16.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FIZN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0  Med: 0.00 Max: 0
Current: 16.44

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
First Citizens Bancshares Inc (TN) was incorporated in Tennessee in 1982. The Company is a financial holding company. Through its principal bank subsidiary, First Citizens National Bank, First Citizens conducts commercial banking and financial services operations in West and Middle Tennessee. First Citizens National Bank is a diversified financial service institution that provides banking and other financial services to its customers. It provides customary banking services such as checking and savings account, fund transfers, time deposits, safe deposit facilities and secured and unsecured loans to individuals, firms and corporations. The Bank competes with savings and loan associations, insurance companies, savings bank, small loan companies, finance companies, mortgage companies, real estate investment trusts, credit unions and other enterprises. The Bank is subject to governmental regulations.

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