Based on the key indicators related to First Citizens' liquidity, profitability, solvency, and operating efficiency, First Citizens BancShares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, First Citizens' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 23.3 B, whereas Short and Long Term Debt Total is forecasted to decline to about 348.6 M. Key indicators impacting First Citizens' financial strength include:
The financial analysis of First Citizens is a critical element in measuring its lifeblood. Investors should not minimize First Citizens' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.
Net Income
2.92 Billion
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Understanding current and past First Citizens Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Citizens' financial statements are interrelated, with each one affecting the others. For example, an increase in First Citizens' assets may result in an increase in income on the income statement.
Please note, the presentation of First Citizens' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First Citizens' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First Citizens' management manipulating its earnings.
First Citizens Stock Summary
First Citizens competes with Zions Bancorporation, KeyCorp, Comerica, First Horizon, and Western Alliance. 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. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina. First Citizens operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 6578 people.
Comparative valuation techniques use various fundamental indicators to help in determining First Citizens's current stock value. Our valuation model uses many indicators to compare First Citizens value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Citizens competition to find correlations between indicators driving First Citizens's intrinsic value. More Info.
First Citizens BancShares is rated # 2 in return on equity category among its peers. It is one of the top stocks in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Citizens BancShares is roughly 10.06 . At present, First Citizens' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Citizens' earnings, one of the primary drivers of an investment's value.
First Citizens BancShares Systematic Risk
First Citizens' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Citizens volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on First Citizens BancShares correlated with the market. If Beta is less than 0 First Citizens generally moves in the opposite direction as compared to the market. If First Citizens Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Citizens BancShares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Citizens is generally in the same direction as the market. If Beta > 1 First Citizens moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First Citizens Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Citizens' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Citizens growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(0.15)
At present, First Citizens' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.
First Citizens March 25, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of First Citizens help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Citizens BancShares. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Citizens BancShares based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Citizens's daily price indicators and compare them against related drivers.
When running First Citizens' price analysis, check to measure First Citizens' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Citizens is operating at the current time. Most of First Citizens' value examination focuses on studying past and present price action to predict the probability of First Citizens' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Citizens' price. Additionally, you may evaluate how the addition of First Citizens to your portfolios can decrease your overall portfolio volatility.