First Citizens BancShares Inc (FCNCA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Citizens BancShares Inc stock (FCNCA) is currently trading at $1874.89. First Citizens BancShares Inc PE ratio is 11.24. First Citizens BancShares Inc PS ratio (Price-to-Sales) is 2.52. Analyst consensus price target for FCNCA is $2279.36. WallStSmart rates FCNCA as Moderate Buy.
- FCNCA PE ratio analysis and historical PE chart
- FCNCA PS ratio (Price-to-Sales) history and trend
- FCNCA intrinsic value — DCF, Graham Number, EPV models
- FCNCA stock price prediction 2025 2026 2027 2028 2029 2030
- FCNCA fair value vs current price
- FCNCA insider transactions and insider buying
- Is FCNCA undervalued or overvalued?
- First Citizens BancShares Inc financial analysis — revenue, earnings, cash flow
- FCNCA Piotroski F-Score and Altman Z-Score
- FCNCA analyst price target and Smart Rating
First Citizens BancShares Inc
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FCNCA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Citizens BancShares Inc (FCNCA)
FCNCA trades 87% above its Graham fair value of $1124.11, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Citizens BancShares Inc (FCNCA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First Citizens BancShares Inc (FCNCA) Key Strengths (6)
Keeps $38 of every $100 in revenue after operating costs
Keeps $24 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Good growth relative to its price
Trading at 1.06x book value, attractively priced
67.42% held by institutions, strong professional interest
Supporting Valuation Data
First Citizens BancShares Inc (FCNCA) Areas to Watch (4)
Earnings declining -6.90%, profits shrinking
Low profitability relative to shareholder equity
Modest revenue growth at 6.20%
Revenue is fairly priced at 2.52x sales
First Citizens BancShares Inc (FCNCA) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Market Cap. Valuation metrics including PEG Ratio (1.01), Price/Book (1.06) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.60%, Profit Margin at 24.40%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Revenue Growth. Some valuation metrics including Price/Sales (2.52) suggest expensive pricing. Growth concerns include Revenue Growth at 6.20%, EPS Growth at -6.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.92% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FCNCA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FCNCA's Price-to-Sales ratio of 2.52x trades at a 18% premium to its historical average of 2.14x (72th percentile). The current valuation is 31% below its historical high of 3.64x set in Aug 2018, and 138% above its historical low of 1.06x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Citizens BancShares Inc (FCNCA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Citizens BancShares Inc is a mature, profitable business with steady cash generation. Revenue reached 9.0B with 6% growth year-over-year. Profit margins are strong at 24.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 24.4% and operating margin of 37.6% demonstrate strong pricing power and operational efficiency.
Generating 720M in free cash flow and 1.1B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Citizens BancShares Inc.
Bottom Line
First Citizens BancShares Inc is a well-established business delivering consistent profitability with 24.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Citizens BancShares Inc(FCNCA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, North Carolina.