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181.5 (1y: +8%)
Market Cap 1.78 B P/E(ttm) 12.70
Enterprise Value 2.79 B P/B 1.01
FCNCB- OTCBB (USA)
First Citizens BancShares Inc (DE)
  • Currently 3/5
Business Predictability Rank: 3-Star (On Watch)
Back Testing Results:
Average gain of all 3-Star stocks: 8.2% per year.
% of Stocks that are in still loss if held for 10yrs: 11%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$181.50
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.069
OTCBB:FCNCB's Cash to Debt is ranked higher than
56% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. OTCBB:FCNCB: 1.069 )
OTCBB:FCNCB' s 10-Year Cash to Debt Range
Min: 0.43   Max: 1.13
Current: 1.07
0.43
1.13
Equity to Asset 0.083
OTCBB:FCNCB's Equity to Asset is ranked lower than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OTCBB:FCNCB: 0.083 )
OTCBB:FCNCB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.08
Current: 0.08
0.07
0.08
Interest Coverage No Debt
OTCBB:FCNCB's Interest Coverage is ranked lower than
71% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. OTCBB:FCNCB: No Debt )
OTCBB:FCNCB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 17.60
OTCBB:FCNCB's Operating margin (%) is ranked lower than
62% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. OTCBB:FCNCB: 17.60 )
OTCBB:FCNCB' s 10-Year Operating margin (%) Range
Min: 17.2   Max: 27.7
Current: 17.6
17.2
27.7
Net-margin (%) 12.2
OTCBB:FCNCB's Net-margin (%) is ranked lower than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. OTCBB:FCNCB: 12.2 )
OTCBB:FCNCB' s 10-Year Net-margin (%) Range
Min: 11.2   Max: 17.3
Current: 12.2
11.2
17.3
ROE (%) 7.2
OTCBB:FCNCB's ROE (%) is ranked higher than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. OTCBB:FCNCB: 7.2 )
OTCBB:FCNCB' s 10-Year ROE (%) Range
Min: 6.3   Max: 12.1
Current: 7.2
6.3
12.1
ROA (%) 0.6
OTCBB:FCNCB's ROA (%) is ranked lower than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. OTCBB:FCNCB: 0.6 )
OTCBB:FCNCB' s 10-Year ROA (%) Range
Min: 0.5   Max: 0.9
Current: 0.6
0.5
0.9
ROC (Joel Greenblatt) (%) 52.70
OTCBB:FCNCB's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OTCBB:FCNCB: 52.70 )
OTCBB:FCNCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.2   Max: 90.7
Current: 52.7
13.2
90.7
Revenue Growth (%) 5.1
OTCBB:FCNCB's Revenue Growth (%) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OTCBB:FCNCB: 5.1 )
OTCBB:FCNCB' s 10-Year Revenue Growth (%) Range
Min: 1.9   Max: 13.4
Current: 5.1
1.9
13.4
EBITDA Growth (%) 2.5
OTCBB:FCNCB's EBITDA Growth (%) is ranked higher than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OTCBB:FCNCB: 2.5 )
OTCBB:FCNCB' s 10-Year EBITDA Growth (%) Range
Min: -2.4   Max: 16.4
Current: 2.5
-2.4
16.4
EPS Growth (%) 4.1
OTCBB:FCNCB's EPS Growth (%) is ranked higher than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OTCBB:FCNCB: 4.1 )
OTCBB:FCNCB' s 10-Year EPS Growth (%) Range
Min: -6.3   Max: 21.1
Current: 4.1
-6.3
21.1
ยป OTCBB:FCNCB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 12.70
FCNCB's P/E(ttm) is ranked higher than
56% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FCNCB: 12.70 )
FCNCB' s 10-Year P/E(ttm) Range
Min: 7.29   Max: 34.66
Current: 12.7
7.29
34.66
P/B 1.01
FCNCB's P/B is ranked lower than
52% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FCNCB: 1.01 )
FCNCB' s 10-Year P/B Range
Min: 0.56   Max: 1.79
Current: 1.01
0.56
1.79
P/S 1.80
FCNCB's P/S is ranked higher than
69% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. FCNCB: 1.80 )
FCNCB' s 10-Year P/S Range
Min: 1.01   Max: 2.98
Current: 1.8
1.01
2.98
PFCF 17.90
FCNCB's PFCF is ranked lower than
83% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCNCB: 17.90 )
FCNCB' s 10-Year PFCF Range
Min: 2.43   Max: 27.95
Current: 17.9
2.43
27.95
EV-to-EBIT 12.81
FCNCB's EV-to-EBIT is ranked higher than
62% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. FCNCB: 12.81 )
FCNCB' s 10-Year EV-to-EBIT Range
Min: 5   Max: 34.2
Current: 12.81
5
34.2
PEG 1.25
FCNCB's PEG is ranked lower than
64% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCNCB: 1.25 )
FCNCB' s 10-Year PEG Range
Min: 0.56   Max: 17.93
Current: 1.25
0.56
17.93
Shiller P/E 13.26
FCNCB's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. FCNCB: 13.26 )
FCNCB' s 10-Year Shiller P/E Range
Min: 7.84   Max: 22.13
Current: 13.26
7.84
22.13

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.66
FCNCB's Dividend Yield is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. FCNCB: 0.66 )
FCNCB' s 10-Year Dividend Yield Range
Min: 0.51   Max: 2.17
Current: 0.66
0.51
2.17
Dividend Payout 0.1
FCNCB's Dividend Payout is ranked higher than
94% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. FCNCB: 0.1 )
FCNCB' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.15
Current: 0.1
0.06
0.15
Yield on cost (5-Year) 0.77
FCNCB's Yield on cost (5-Year) is ranked lower than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCNCB: 0.77 )
FCNCB' s 10-Year Yield on cost (5-Year) Range
Min: 0.56   Max: 2.37
Current: 0.77
0.56
2.37
Share Buyback Rate 0.5
FCNCB's Share Buyback Rate is ranked higher than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. FCNCB: 0.5 )
FCNCB' s 10-Year Share Buyback Rate Range
Min: 0.5   Max: 0
Current: 0.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
FCNCB's Price/Tangible Book is ranked lower than
53% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCNCB: 1.1 )
FCNCB' s 10-Year Price/Tangible Book Range
Min: 1   Max: 1.8
Current: 1.1
1
1.8
Price/DCF (Projected) 0.5
FCNCB's Price/DCF (Projected) is ranked higher than
75% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCNCB: 0.5 )
FCNCB' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.6
Current: 0.5
0.4
0.6
Price/Median PS Value 0.9
FCNCB's Price/Median PS Value is ranked lower than
58% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCNCB: 0.9 )
FCNCB' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.5
Current: 0.9
0.7
1.5
Price/Peter Lynch Fair Value 1.1
FCNCB's Price/Peter Lynch Fair Value is ranked lower than
62% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCNCB: 1.1 )
FCNCB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 3.1
Current: 1.1
0.6
3.1
Price/Graham Number 0.8
FCNCB's Price/Graham Number is ranked lower than
66% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCNCB: 0.8 )
FCNCB' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.2
Current: 0.8
0.6
1.2
Earnings Yield (Greenblatt) 7.80
FCNCB's Earnings Yield (Greenblatt) is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FCNCB: 7.80 )
FCNCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 20
Current: 7.8
2.9
20
Forward Rate of Return (Yacktman) 23.44
FCNCB's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. FCNCB: 23.44 )
FCNCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8   Max: 30
Current: 23.44
8
30

Business Description

First Citizens BancShares, Inc. was incorporated under the laws of Delaware on August 7, 1986, to become the holding company of First-Citizens Bank & Trust Company, its banking subsidiary. FCB opened in 1898 as the Bank of Smithfield, Smithfield, North Carolina, and later became First-Citizens Bank & Trust Company. FCB and ISB offer full-service banking services designed to meet the needs of retail and commercial customers in the markets in which they operate. The services offered include transaction and savings deposit accounts, commercial and consumer lending, trust, asset management and broker-dealer services, insurance services and other activities incidental to commercial banking. BancShares is also the parent company of Neuse, Incorporated, which owns some of the real property from which ISB operates its branches and also owns certain ISB generated other real estate. BancShares conducts its banking operations through its two separately chartered wholly-owned subsidiaries, FCB and ISB. FCB and ISB offer similar banking products and services to customers through separate branch operations, and each operates in different geographic markets with the exception of the states of California and Washington, where both operate. BancShares maintains a community bank approach to providing customer service, a competitive advantage that strengthens its ability to effectively provide financial products and services to individuals and businesses in its markets. Although FCB provides products and services targeted to both business and retail customers, ISB has focused main attention on business customers, providing retail banking services on a limited basis. There is intense competition among commercial banks in its market areas. In addition, it competes with other providers of financial services, such as credit unions, consumer finance companies, commercial finance and leasing companies and brokerage firms as well as other institutions that deliver their products and services through alternative delivery networks. The business and operations of BancShares and its subsidiary banks are subject to federal and state governmental regulation and supervision.
Company Website
SEC Reports
Industry: Banks - Regional - US
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Traded in other countries:FCNCA.USA
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