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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

vs
industry
vs
history
Cash to Debt 1.06
FIZN's Cash to Debt is ranked higher than
74% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FIZN: 1.06 )
FIZN' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 1.06

Equity to Asset 0.10
FIZN's Equity to Asset is ranked higher than
73% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FIZN: 0.10 )
FIZN' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 1.64
FIZN's Interest Coverage is ranked higher than
72% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FIZN: 1.64 )
FIZN' s 10-Year Interest Coverage Range
Min: 0.45   Max: 1.64
Current: 1.64

0.45
1.64
F-Score: 4
Z-Score: 0.31
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

vs
industry
vs
history
Operating margin (%) 33.91
FIZN's Operating margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FIZN: 33.91 )
FIZN' s 10-Year Operating margin (%) Range
Min: 23.93   Max: 32.12
Current: 33.91

23.93
32.12
Net-margin (%) 26.58
FIZN's Net-margin (%) is ranked higher than
84% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FIZN: 26.58 )
FIZN' s 10-Year Net-margin (%) Range
Min: 17.5   Max: 24.78
Current: 26.58

17.5
24.78
ROE (%) 15.31
FIZN's ROE (%) is ranked higher than
93% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FIZN: 15.31 )
FIZN' s 10-Year ROE (%) Range
Min: 10.32   Max: 12.58
Current: 15.31

10.32
12.58
ROA (%) 1.51
FIZN's ROA (%) is ranked higher than
93% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FIZN: 1.51 )
FIZN' s 10-Year ROA (%) Range
Min: 0.88   Max: 1.17
Current: 1.51

0.88
1.17
ROC (Joel Greenblatt) (%) 68.82
FIZN's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FIZN: 68.82 )
FIZN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 39.72   Max: 75.96
Current: 68.82

39.72
75.96
» 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) 48.90
FIZN's P/E(ttm) is ranked higher than
65% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FIZN: 48.90 )
FIZN' s 10-Year P/E(ttm) Range
Min: 9.65   Max: 51.19
Current: 48.9

9.65
51.19
P/B 1.20
FIZN's P/B is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FIZN: 1.20 )
FIZN' s 10-Year P/B Range
Min: 1.07   Max: 1.56
Current: 1.2

1.07
1.56
P/S 11.50
FIZN's P/S is ranked higher than
60% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FIZN: 11.50 )
FIZN' s 10-Year P/S Range
Min: 1.93   Max: 12.04
Current: 11.5

1.93
12.04
PFCF 18.70
FIZN's PFCF is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FIZN: 18.70 )
FIZN' s 10-Year PFCF Range
Min: 5.82   Max: 19.55
Current: 18.7

5.82
19.55
EV-to-EBIT 42.77
FIZN's EV-to-EBIT is ranked higher than
62% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FIZN: 42.77 )
FIZN' s 10-Year EV-to-EBIT Range
Min: 7.4   Max: 11.8
Current: 42.77

7.4
11.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
FIZN's Dividend Yield is ranked higher than
66% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FIZN: 3.00 )
FIZN' s 10-Year Dividend Yield Range
Min: 0.58   Max: 1.36
Current: 3

0.58
1.36
Dividend Payout 0.13
FIZN's Dividend Payout is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FIZN: 0.13 )
FIZN' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.3
Current: 0.13

0.26
0.3
Yield on cost (5-Year) 3.00
FIZN's Yield on cost (5-Year) is ranked higher than
58% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FIZN: 3.00 )
FIZN' s 10-Year Yield on cost (5-Year) Range
Min: 0.58   Max: 1.36
Current: 3

0.58
1.36

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
FIZN's Price/Tangible Book is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FIZN: 1.37 )
FIZN' s 10-Year Price/Tangible Book Range
Min: 1.29   Max: 1.43
Current: 1.37

1.29
1.43
Price/Median PS Value 3.93
FIZN's Price/Median PS Value is ranked higher than
62% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FIZN: 3.93 )
FIZN' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 4.11
Current: 3.93

0.75
4.11
Price/Graham Number 0.82
FIZN's Price/Graham Number is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FIZN: 0.82 )
FIZN' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 0.87
Current: 0.82

0.74
0.87
Earnings Yield (Greenblatt) 2.30
FIZN's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FIZN: 2.30 )
FIZN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.4   Max: 13.5
Current: 2.3

8.4
13.5

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
First Citizens BancShares, Inc. is the financial holding company for First Citizens Bank. First Citizens Bank and its IronStone Bank division provide a broad range of financial services to individuals, businesses.

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