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Upturn AI SWOT - About
FCNCA 
First Citizens BancShares Inc (FCNCA)
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Upturn Advisory Summary
04/01/2025: FCNCA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.28% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.48B USD | Price to earnings Ratio 9.62 | 1Y Target Price 2335.54 |
Price to earnings Ratio 9.62 | 1Y Target Price 2335.54 | ||
Volume (30-day avg) 88422 | Beta 0.81 | 52 Weeks Range 1512.57 - 2410.62 | Updated Date 04/1/2025 |
52 Weeks Range 1512.57 - 2410.62 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.42% | Basic EPS (TTM) 189.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.77% | Operating Margin (TTM) 38.17% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 12.77% |
Valuation
Trailing PE 9.62 | Forward PE 10.71 | Enterprise Value 42107846656 | Price to Sales(TTM) 2.62 |
Enterprise Value 42107846656 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 6.39 | Enterprise Value to EBITDA - | Shares Outstanding 12527400 | Shares Floating 9808747 |
Shares Outstanding 12527400 | Shares Floating 9808747 | ||
Percent Insiders 21.3 | Percent Institutions 68.85 |
Analyst Ratings
Rating 3.75 | Target Price 2406.25 | Buy 3 | Strong Buy 3 |
Buy 3 | Strong Buy 3 | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Citizens BancShares Inc
Company Overview
History and Background
First Citizens BancShares, Inc. was founded in 1898 in Smithfield, North Carolina. It has grown organically and through acquisitions to become one of the largest family-controlled banks in the U.S.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and treasury management services to businesses of all sizes.
- Consumer Banking: Provides deposit accounts, loans, and other financial services to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and executive management team. Frank Holding, Jr. is the Chairman and CEO. The organizational structure is hierarchical, with distinct divisions for each core business area.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Competitors include Truist, Bank of America, and Wells Fargo. Market Share data not available but can be inferred from overall market share listed below.
- Competitors: Truist, Bank of America, Wells Fargo
- Competitors: Truist, Bank of America, Wells Fargo
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Competitors include Truist, Bank of America, and Wells Fargo. Market Share data not available but can be inferred from overall market share listed below.
- Competitors: Truist, Bank of America, Wells Fargo
- Mortgage Lending: Provides mortgage loans to individuals for home purchases and refinancing. Competitors include Truist, Bank of America, and Wells Fargo. Market Share data not available but can be inferred from overall market share listed below.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
First Citizens BancShares is positioned as a strong regional bank with a focus on relationship banking and customer service. Its competitive advantage lies in its size, stability, and experienced management team.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. First Citizens BancShares is positioned to capture a share of this market through its diversified business lines and geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Diversified business lines
- History of successful acquisitions
- Focus on relationship banking
Weaknesses
- Limited geographic footprint compared to national banks
- Higher efficiency ratio compared to peers
- Dependence on traditional banking model
Opportunities
- Further expansion through acquisitions
- Growth in wealth management business
- Increased adoption of digital banking services
- Expansion into new geographic markets
- Increase Market Share
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TRU
- BAC
- WFC
Competitive Landscape
First Citizens BancShares competes with a mix of national and regional banks. Its advantages include its strong capital base, experienced management team, and focus on relationship banking. Its disadvantages include its limited geographic footprint compared to national banks.
Major Acquisitions
CIT Group
- Year: 2022
- Acquisition Price (USD millions): 2200
- Strategic Rationale: The acquisition of CIT Group significantly expanded First Citizens BancShares' commercial banking business and geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: First Citizens BancShares has grown significantly through acquisitions and organic growth.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by loan growth and expansion into new markets.
Recent Initiatives: Recent initiatives include the acquisition of CIT Group and the launch of new digital banking services.
Summary
First Citizens BancShares is a strong regional bank with a diversified business model and experienced management team. The company has a history of successful acquisitions and organic growth. While the banking industry is facing headwinds, First Citizens BancShares is well-positioned to continue growing in the future. It is important to look out for the risks of rising interest rates, increased competition from fintech companies, and regulatory changes.
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Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Analyst Reports, News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Citizens BancShares Inc
Exchange NASDAQ | Headquaters Raleigh, NC, United States | ||
IPO Launch date 1992-02-25 | Chairman & CEO Mr. Frank Brown Holding Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17191 | Website https://www.firstcitizens.com |
Full time employees 17191 | Website https://www.firstcitizens.com | ||
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 in the United States and internationally. It operates through General Bank, Commercial Bank, Silicon Valley Bank (SVB) Commercial, and Rail segments. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction, commercial and industrial, and small business administration loans, as well as non-owner and owner occupied commercial mortgages. In addition, the company offers consumer loans, such as revolving mortgage, consumer auto, residential mortgage, and other consumer loans. Further, it provides wealth management services, including annuities, brokerage services, and third-party mutual funds; and investment management and advisory, trust, cash management, leasing, capital market, asset-based lending, factoring, receivables management and secured financing, underwriting and private placement, insurance, and other financial and advisory services. Additionally, the company offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. It provides its products and services through online and mobile banking platforms, as well as branch locations. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
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