First Citizens BancShares Inc is the bank holding company of First Citizens Bank & Trust Company. FCB was founded as the Bank of Smithfield in North Carolina and has expanded through both de novo branching and acquisitions. FCB currently operates in nearly half of the continental United States, but principally takes deposits in the Carolinas. The bank's operations have historically been influenced by the Holding family, which has traditionally held executive and director positions, as well as controlling a large percentage of its outstanding stock. FCB provides a wide range of retail and commercial banking services, including traditional lending and deposit-taking, as well as trust and wealth management. FCB's main source of revenue is net interest income.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.92
Equity-to-Asset	0.1
Debt-to-Equity	1.77
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-3.71	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	49.4
	3-Year EPS without NRI Growth Rate	53.1
	3-Year FCF Growth Rate	51.9
	3-Year Book Growth Rate	52.4
	Future 3-5Y Total Revenue Growth Rate	2.43

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	68.61
	9-Day RSI	62.96
	14-Day RSI	60.43
	6-1 Month Momentum %	20.66
	12-1 Month Momentum %	55.32

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.29
	Dividend Payout Ratio	0.01
	3-Year Dividend Growth Rate	32.6
	Forward Dividend Yield %	0.4
	5-Year Yield-on-Cost %	0.68
	3-Year Average Share Buyback Ratio	-13.9
	Shareholder Yield %	-148.12

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	130.64
	FCF Margin %	14
	ROE %	63.49
	ROA %	5.97
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	2.09
	Forward PE Ratio	9.29
	PE Ratio without NRI	5.92
	Shiller PE Ratio	14.01
	Price-to-Owner-Earnings	2.26
	PEG Ratio	0.19
	PS Ratio	2.72
	PB Ratio	1.17
	Price-to-Tangible-Book	1.21
	Price-to-Free-Cash-Flow	19.35
	Price-to-Operating-Cash-Flow	8.96
	EV-to-Revenue	3.14
	EV-to-Forward-Revenue	6.36
	EV-to-FCF	22.34
	Price-to-Projected-FCF	0.92
	Price-to-DCF (Earnings Based)	0.19
	Price-to-DCF (FCF Based)	0.61
	Price-to-Median-PS-Value	0.84
	Price-to-Peter-Lynch-Fair-Value	0.24
	Price-to-Graham-Number	0.56
	FCF Yield %	5.22
	Forward Rate of Return (Yacktman) %	22.77

GF Value: €2075.24

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