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Financial Services - Banks - Regional - NASDAQ - US
$ 21.16
-1.86 %
$ 20.7 B
Market Cap
0.37
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCNCO stock under the worst case scenario is HIDDEN Compared to the current market price of 21.2 USD, First Citizens BancShares, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCNCO stock under the base case scenario is HIDDEN Compared to the current market price of 21.2 USD, First Citizens BancShares, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCNCO stock under the best case scenario is HIDDEN Compared to the current market price of 21.2 USD, First Citizens BancShares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FCNCO

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$24.0$24.0$23.5$23.5$23.0$23.0$22.5$22.5$22.0$22.0$21.5$21.5$21.0$21.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
12.4 B REVENUE
62.45%
1.05 B OPERATING INCOME
-68.54%
2.78 B NET INCOME
-75.78%
2.99 B OPERATING CASH FLOW
12.33%
-10.2 B INVESTING CASH FLOW
-418.07%
7.07 B FINANCING CASH FLOW
250.52%
2.4 B REVENUE
-23.61%
0 OPERATING INCOME
0.00%
700 M NET INCOME
9.55%
1.12 B OPERATING CASH FLOW
12.92%
-3.74 B INVESTING CASH FLOW
-1143.85%
2.58 B FINANCING CASH FLOW
535.30%
Balance Sheet First Citizens BancShares, Inc.
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Current Assets 915 M
Cash & Short-Term Investments 915 M
Receivables 3.49 B
Other Current Assets -3.49 B
Non-Current Assets 2.6 B
Long-Term Investments 0
PP&E 2.01 B
Other Non-Current Assets 595 M
26.02 %99.26 %57.05 %16.92 %Total Assets$3.5b
Current Liabilities 501 M
Accounts Payable 134 M
Short-Term Debt 367 M
Other Current Liabilities 0
Non-Current Liabilities 201 B
Long-Term Debt 372 M
Other Non-Current Liabilities 201 B
99.57 %Total Liabilities$201.6b
EFFICIENCY
Earnings Waterfall First Citizens BancShares, Inc.
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Revenue 12.4 B
Cost Of Revenue 0
Gross Profit 12.4 B
Operating Expenses 9.73 B
Operating Income 1.05 B
Other Expenses -1.73 B
Net Income 2.78 B
14b14b12b12b10b10b8b8b6b6b4b4b2b2b0012b012b(10b)1b2b3bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
8.48% OPERATING MARGIN
8.48%
22.48% NET MARGIN
22.48%
12.49% ROE
12.49%
1.24% ROA
1.24%
23.96% ROIC
23.96%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Citizens BancShares, Inc.
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2b2b2b2b1b1b500m500m00(500m)(500m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 2.78 B
Depreciation & Amortization 130 M
Capital Expenditures -1.11 B
Stock-Based Compensation 0
Change in Working Capital -529 M
Others 75 M
Free Cash Flow 1.88 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
Q1
Q2
Q3
Q4
1.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351561.410.351561.410.351561.410.3520222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
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
7. News
8. Profile Summary

First Citizens BancShares, Inc. FCNCO

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 20.7 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 17191
Officers Mr. Gregory L. Smith Chief Information & Operations Officer Mr. Matthew G. T. Martin Chief Legal Officer & Corporate Secretary Ms. Barbara Thompson Director of Corporate Communications & Brand Marketing Mr. Frank Brown Holding Jr. Chairman & Chief Executive Officer Mr. Peter McDonald Bristow President & Director Mr. Jeffery L. Ward Chief Strategy Officer Ms. Hope Holding Bryant Vice Chairwoman Mr. Craig Lockwood Nix CPA Chief Financial Officer Ms. Lorie King Rupp Chief Risk Officer Ms. Deanna W. Hart Senior Vice President of Investor Relations