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First Citizens BancShares, Inc. FCNCO
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 23.13
-0.302 %
$ 29.7 B
Market Cap
0.4
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 19, 2025.

The intrinsic value of one FCNCO stock under the worst case scenario is HIDDEN Compared to the current market price of 23.1 USD, First Citizens BancShares, Inc. is HIDDEN

FCNCO Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jan, 19, 2025.

The intrinsic value of one FCNCO stock under the base case scenario is HIDDEN Compared to the current market price of 23.1 USD, First Citizens BancShares, Inc. is HIDDEN

FCNCO Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jan, 19, 2025.

The intrinsic value of one FCNCO stock under the best case scenario is HIDDEN Compared to the current market price of 23.1 USD, First Citizens BancShares, Inc. is HIDDEN

FCNCO Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FCNCO

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1M 3%
6M 5%
1Y 11%
3Y 5%
5Y 7.0%
All
FINANCIALS
7.6 B REVENUE
67.45%
Growth Rates
1Year 67.45%
3Years 59.76%
5Years 36.43%
7Years 27.00%
10Years 22.44%
3.33 B OPERATING INCOME
20.04%
Growth Rates
1Year 20.04%
3Years 75.34%
5Years 43.87%
7Years 37.91%
10Years 28.82%
11.5 B NET INCOME
944.26%
Growth Rates
1Year 944.26%
3Years 185.69%
5Years 95.62%
7Years 75.29%
10Years 52.58%
2.66 B OPERATING CASH FLOW
-4.69%
Growth Rates
1Year -4.69%
3Years 98.52%
5Years 28.28%
7Years 41.65%
10Years 23.17%
2.43 B INVESTING CASH FLOW
3138.67%
Growth Rates
1Year 3138.67%
3Years 30.96%
5Years 68.34%
7Years 22.78%
10Years 29.04%
-4.7 B FINANCING CASH FLOW
-74.94%
Growth Rates
1Year -74.94%
3Years -14.31%
5Years -52.83%
7Years -30.31%
10Years -36.31%
3.14 B REVENUE
-16.70%
Growth Rates
1Year 67.45%
3Years 59.76%
5Years 36.43%
7Years 27.00%
10Years 22.44%
914 M OPERATING INCOME
-14.66%
Growth Rates
1Year 20.04%
3Years 75.34%
5Years 43.87%
7Years 37.91%
10Years 28.82%
639 M NET INCOME
-9.62%
Growth Rates
1Year 944.26%
3Years 185.69%
5Years 95.62%
7Years 75.29%
10Years 52.58%
991 M OPERATING CASH FLOW
119.25%
Growth Rates
1Year -4.69%
3Years 98.52%
5Years 28.28%
7Years 41.65%
10Years 23.17%
-301 M INVESTING CASH FLOW
83.76%
Growth Rates
1Year 3138.67%
3Years 30.96%
5Years 68.34%
7Years 22.78%
10Years 29.04%
-592 M FINANCING CASH FLOW
-40.33%
Growth Rates
1Year -74.94%
3Years -14.31%
5Years -52.83%
7Years -30.31%
10Years -36.31%
Balance Sheet First Citizens BancShares, Inc.
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Current Assets 908 M
Cash & Short-Term Investments 908 M
Receivables 3.21 B
Other Current Assets -3.21 B
Non-Current Assets 178 B
Long-Term Investments 36.5 B
PP&E 11 B
Other Non-Current Assets 130 B
Current Liabilities 110 B
Accounts Payable 137 M
Short-Term Debt 0
Other Current Liabilities 110 B
Non-Current Liabilities 193 B
Long-Term Debt 37.6 B
Other Non-Current Liabilities 155 B
EFFICIENCY
Earnings Waterfall First Citizens BancShares, Inc.
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Revenue 7.6 B
Cost Of Revenue 3.52 B
Gross Profit 4.08 B
Operating Expenses 4.27 B
Operating Income 3.33 B
Other Expenses -8.14 B
Net Income 11.5 B
RATIOS
53.66% GROSS MARGIN
53.66%
Averages
1Year 53.66%
3Years 69.91%
5Years 81.94%
7Years 86.60%
10Years 90.62%
43.81% OPERATING MARGIN
43.81%
Averages
1Year 43.81%
3Years 47.69%
5Years 42.10%
7Years 39.83%
10Years 34.74%
150.79% NET MARGIN
150.79%
Averages
1Year 150.79%
3Years 68.24%
5Years 51.52%
7Years 43.30%
10Years 34.77%
53.94% ROE
53.94%
Averages
1Year 53.94%
3Years 25.62%
5Years 20.26%
7Years 17.50%
10Years 14.24%
5.36% ROA
5.36%
Averages
1Year 5.36%
3Years 2.44%
5Years 1.89%
7Years 1.64%
10Years 1.33%
5.41% ROIC
5.41%
Averages
1Year 5.41%
3Years 9.58%
5Years 9.60%
7Years 9.53%
10Years 8.22%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Citizens BancShares, Inc.
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Net Income 11.5 B
Depreciation & Amortization -57 M
Capital Expenditures -1.43 B
Stock-Based Compensation 5 M
Change in Working Capital -173 M
Others -8.59 B
Free Cash Flow 1.23 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Citizens BancShares, Inc.
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FCNCO has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.14% DIVIDEND YIELD
0.352 USD DIVIDEND PER SHARE
5. COMPETITION

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals.

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0.318 USD
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90.9 USD
DCOMP
Undervalued 346.47%

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers.

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Undervalued 451.07%

Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts.

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94 USD
FULTP
Undervalued 374.86%
6. Ownership
Insider Ownership First Citizens BancShares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 year ago
Dec 19, 2023
Sell 2.55 M USD
Alemany Ellen R
Director
- 1756
 1450.15 USD
1 year ago
Dec 19, 2023
Sell 760 K USD
Alemany Ellen R
Director
- 524
 1451.13 USD
1 year ago
Dec 15, 2023
Sell 193 K USD
Alemany Ellen R
Director
- 133
 1450.278 USD
1 year ago
Dec 15, 2023
Sell 604 K USD
Alemany Ellen R
Director
- 416
 1451.404 USD
1 year ago
Dec 15, 2023
Sell 182 K USD
Alemany Ellen R
Director
- 125
 1452.926 USD
1 year ago
Dec 15, 2023
Sell 67.1 K USD
Alemany Ellen R
Director
- 46
 1458.515 USD
1 year ago
Nov 14, 2023
Sell 1.17 M USD
Alemany Ellen R
Director
- 800
 1461.58 USD
1 year ago
Nov 14, 2023
Sell 87.3 K USD
Alemany Ellen R
Director
- 60
 1455.73 USD
1 year ago
Nov 14, 2023
Sell 407 K USD
Alemany Ellen R
Director
- 280
 1452.77 USD
1 year ago
Nov 14, 2023
Sell 348 K USD
Alemany Ellen R
Director
- 240
 1450.02 USD
1 year ago
Nov 14, 2023
Sell 208 K USD
Alemany Ellen R
Director
- 144
 1447.81 USD
1 year ago
Nov 14, 2023
Sell 688 K USD
Alemany Ellen R
Director
- 476
 1445.46 USD
1 year ago
Sep 19, 2023
Bought 126 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 110
 1150 USD
1 year ago
Sep 19, 2023
Bought 51.8 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 45
 1150 USD
1 year ago
Sep 19, 2023
Bought 63.2 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 55
 1150 USD
1 year ago
Sep 19, 2023
Bought 51.8 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 45
 1150 USD
1 year ago
Sep 19, 2023
Bought 23 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 20
 1150 USD
1 year ago
Sep 08, 2023
Bought 6.62 K USD
NIX CRAIG L
Chief Financial Officer
+ 5
 1324.12 USD
1 year ago
Aug 07, 2023
Sell 2.25 M USD
Alemany Ellen R
Special Advisor to Chairman
- 1500
 1500.2758 USD
1 year ago
Jun 16, 2023
Sell 4.56 M USD
HOLDING FRANK B JR
Chairman and CEO
- 3515
 1298.03 USD
1 year ago
Jun 16, 2023
Bought 4.56 M USD
HOLDING FRANK B JR
Chairman and CEO
+ 3700
 1233.1285 USD
1 year ago
Mar 09, 2023
Bought 107 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 165
 650 USD
1 year ago
Mar 09, 2023
Bought 201 K USD
NIX CRAIG L
Chief Financial Officer
+ 9228
 21.75 USD
1 year ago
Mar 09, 2023
Bought 853 USD
NIX CRAIG L
Chief Financial Officer
+ 37
 23.05 USD
1 year ago
Mar 08, 2023
Bought 49.6 K USD
NIX CRAIG L
Chief Financial Officer
+ 73
 678.795 USD
1 year ago
Mar 07, 2023
Bought 153 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 235
 650 USD
1 year ago
Mar 02, 2023
Bought 49.7 K USD
NIX CRAIG L
Chief Financial Officer
+ 70
 710.04 USD
1 year ago
Feb 22, 2023
Bought 14.6 K USD
FLOOD EUGENE JR
Director
+ 20
 729.18 USD
1 year ago
Feb 03, 2023
Bought 737 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 1020
 722.51 USD
2 years ago
Feb 01, 2022
Bought 80.9 K USD
NIX CRAIG L
Chief Financial Officer
+ 104
 777.45 USD
2 years ago
Dec 13, 2022
Bought 31.9 K USD
WARD JEFFERY L
Chief Strategy Officer
+ 1600
 19.93 USD
2 years ago
Dec 07, 2022
Sell 21.1 K USD
Heavner Daniel L
Director
- 27
 781.12 USD
2 years ago
Nov 30, 2022
Bought 53.1 K USD
NIX CRAIG L
Chief Financial Officer
+ 67
 791.9815 USD
2 years ago
Jan 27, 2022
Bought 22.3 K USD
NIX CRAIG L
Chief Financial Officer
+ 29
 770.26 USD
2 years ago
Jan 27, 2022
Bought 77 K USD
NIX CRAIG L
Chief Financial Officer
+ 100
 770.23 USD
4 years ago
Mar 13, 2020
Bought 1.49 M USD
BRYANT HOPE HOLDING
Vice Chairman
+ 78945
 18.88 USD
4 years ago
Mar 13, 2020
Bought 986 K USD
BRYANT HOPE HOLDING
Vice Chairman
+ 40000
 24.65 USD
11 years ago
Sep 18, 2013
Sell 510 K USD
HOLDING FRANK B
Executive Vice Chairman
- 2500
 204.06 USD
11 years ago
Sep 18, 2013
Sell 455 K USD
HOLDING FRANK B
Executive Vice Chairman
- 2231
 204.1 USD
11 years ago
Sep 09, 2013
Sell 819 K USD
HOLDING FRANK B
Executive Vice Chairman
- 4000
 204.6319 USD
11 years ago
Sep 09, 2013
Sell 212 K USD
HOLDING FRANK B
Executive Vice Chairman
- 1031
 205.3567 USD
11 years ago
Sep 09, 2013
Sell 200 K USD
HOLDING FRANK B
Executive Vice Chairman
- 969
 206.0477 USD
12 years ago
Mar 19, 2012
Bought 2.44 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 15
 162.65 USD
12 years ago
Aug 15, 2012
Bought 132 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 800
 165 USD
12 years ago
May 21, 2012
Bought 20.2 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 119
 170 USD
12 years ago
May 21, 2012
Bought 20.2 K USD
HOLDING FRANK B JR
Chairman and CEO
+ 119
 170 USD
12 years ago
Feb 14, 2012
Bought 97.8 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 555
 176.25 USD
12 years ago
Feb 14, 2012
Bought 28.6 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 162
 176.25 USD
12 years ago
Feb 14, 2012
Bought 881 USD
HOLDING FRANK B
Executive Vice Chairman
+ 5
 176.25 USD
12 years ago
Feb 14, 2012
Bought 14.5 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 80
 181 USD
13 years ago
Nov 21, 2011
Bought 25.8 K USD
CONNELL HOPE HOLDING
Vice Chairman
+ 150
 172 USD
13 years ago
Nov 21, 2011
Bought 25.8 K USD
CONNELL HOPE HOLDING
Vice Chairman
+ 150
 172 USD
13 years ago
Nov 21, 2011
Bought 25.8 K USD
CONNELL HOPE HOLDING
Vice Chairman
+ 150
 172 USD
13 years ago
Nov 14, 2011
Bought 7.47 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 44
 169.78 USD
13 years ago
Nov 14, 2011
Bought 489 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 2876
 170 USD
13 years ago
Nov 14, 2011
Bought 51.2 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 300
 170.5 USD
13 years ago
Jul 08, 2011
Bought 18.9 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 100
 189 USD
13 years ago
Jul 08, 2011
Bought 55.1 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 295
 186.75 USD
14 years ago
Feb 10, 2010
Bought 17.1 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 100
 170.66 USD
15 years ago
Dec 22, 2009
Bought 17.3 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 104
 166 USD
15 years ago
Dec 18, 2009
Bought 167 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 1000
 167 USD
15 years ago
Dec 18, 2009
Bought 29.2 K USD
HOLDING FRANK B
Executive Vice Chairman
+ 175
 167 USD
15 years ago
Apr 09, 2009
Sell 2.17 M USD
HOLDING LEWIS R
Director
- 17000
 127.69 USD
7. News
8. Profile Summary

First Citizens BancShares, Inc. FCNCO

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 29.7 B
Dividend Yield 0.14%
Description First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
Contact 4300 Six Forks Road, Raleigh, NC, 27609 https://www.firstcitizens.com
IPO Date Jan. 7, 2022
Employees 15715
Officers Mr. Gregory L. Smith Chief Information & Operations Officer Ms. Barbara Thompson Director of Corporate Communications & Brand Marketing Mr. Craig Lockwood Nix CPA Chief Financial Officer Ms. Deanna W. Hart Senior Vice President of Investor Relations Mr. Frank Brown Holding Jr. Chairman & Chief Executive Officer Mr. Matthew G. T. Martin Chief Counsel & Corporate Secretary Ms. Lorie King Rupp Chief Risk Officer Ms. Hope Holding Bryant Vice Chairwoman Mr. Peter McDonald Bristow President & Director Mr. Jeffery L. Ward Chief Strategy Officer