First Citizens BancShares Inc. Class A Common Stock (FCNCA)

FairStock Score: 57/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 10.2% above cost of capital
• Established organization with 17,876 employees providing operational scale

Concerns

• Revenue declining at 0.1% year-over-year signals potential demand weakness or market share loss
• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

First Citizens BancShares Inc. Class A Common Stock is a mid-cap financial services company valued at $24.0 billion. The business generates $9.1 billion in annual revenue with a 5.6% net margin. From a quality standpoint, First shows solid Piotroski F-Score of 6/9 and distressed Altman Z-Score of 0.2 warrants caution. On valuation, the stock is attractively valued at 11.1x earnings, with a modest 24% margin of safety vs Graham Number. Growth dynamics show revenue growing at -0.1% and profit growth of -17.1%. Our composite FairStock Score of 44/100 reflects below-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Sluggish -0% growth in a large-cap company leaves the stock vulnerable to de-rating if the market rotates toward higher-growth opportunities.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer