First Citizens BancShares

FCNCA

Banks - Regional · Financial Services

Price

$2122.13

-34.32 (-1.59%)

Market Cap

$24.59B

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+25.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 9.8M (2021) → 12.4M (2025)

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 administratio

Winston Score History

Politician Trades

4 trades / 12mo

2 Congressional buys and 2 sells on FCNCA in the last 12 months.

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Score breakdown

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Quality

Gross Margin

66.5%

Premium pricing power — 66.5% gross margin

Operating Margin

20.3%

Excellent — 20.3% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-1.7%

Shrinking sales (-1.7% YoY)

EPS YoY

-0.4%

Earnings shrinking (-0.4% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

133%

Turns 133% of profit into real cash

FCF Margin

14.1%

Converts sales into free cash efficiently (14.1%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

1.54

Elevated debt (1.54)

Interest Cover

0.62x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.2x

Attractive valuation — P/E 12.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.5

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

0.40%

Small dividend — 0.40% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+10.1%

Dividend growing fast (10.1% YoY)

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