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* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Citizens BancShares's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Citizens BancShares OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Citizens BancShares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Citizens BancShares's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Citizens BancShares (STU:FC6A) has a OCF Margin % of 43.01% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Citizens BancShares and its competitors. This is 44% above median its historical median of 29.81. According to the industry distribution chart, First Citizens BancShares ranks #641 out of 1495 companies in the Banks industry, placing it in the top 42.9%.
Is First Citizens BancShares' OCF Margin % too high?
First Citizens BancShares' current OCF Margin % of 43.01% is 44% above median its 10-year median of 29.81. The Banks industry median OCF Margin % is 30.43. First Citizens BancShares' value of 43.01% is 41.3% above this industry median. Based on the distribution chart, First Citizens BancShares ranks #641 out of 1495 companies in the Banks industry, which is above the industry midpoint. Overall, First Citizens BancShares has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does First Citizens BancShares' OCF Margin % compare to KEY and RF?
According to the Banks industry distribution chart, First Citizens BancShares ranks #641 out of 1495 companies for OCF Margin %. This puts First Citizens BancShares in the upper half of its industry. The industry median OCF Margin % is 30.43. First Citizens BancShares' value of 43.01% is 41.3% above this benchmark. While the company's 10-year median is 29.81 vs. the industry median of 30.43, First Citizens BancShares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.43, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Citizens BancShares's current OCF Margin % of 43.01% is 41.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Citizens BancShares and its competitors. For the Banks industry, the median OCF Margin % is 30.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Citizens BancShares's current OCF Margin % is 43.01%, which is 44% above median its own 10-year median of 29.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Citizens BancShares stock overvalued right now?
First Citizens BancShares (STU:FC6A) has a current OCF Margin % of 43.01%. The stock's GF Value™ is €1,878.09, compared to a current price of €1,850.00 — trading 1.5% below its estimated fair value. The current OCF Margin % is 43.01%, which is 44% above median its 10-year median of 29.81 and 41.3% above the Banks industry median of 30.43. First Citizens BancShares' overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Citizens BancShares (STU:FC6A), the current OCF Margin % is 43.01% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Citizens BancShares (STU:FC6A) Overvalued in 2026?
Based on GuruFocus' analysis, First Citizens BancShares stock appears to be undervalued.
The current stock price of €1,850.00 is trading 1.5% below its estimated GF Value™ of €1,878.09.
Key valuation signals for STU:FC6A:
OCF Margin %: 43.01% (44% above median its 10-year median of 29.81)
GF Value™: €1,878.09 vs. price of €1,850.00 (1.5% below fair value)
Industry Position: 41.3% above the Banks median (#641 of 1495)
No single metric tells the full story. See the STU:FC6A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Citizens is a US regional bank with total assets of around $236 billion as of March 31, 2026. Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, South Carolina, and California. The bank has a track record of acquiring troubled banks from the FDIC, such as Silicon Valley Bridge Bank in 2023, which doubled its asset base. First Citizens offers products and services across retail, commercial, wealth management, and railcar leasing. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2025.
75GF Score
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