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Market Price

416.00 

0.00 0.0%

as of Sep 18 '18

52 Week Range:

303.05 426.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides banking services to retail and commercial customers. Its deposit products include checking, savings, money market and time deposit accounts. The company's loan products portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, lease financing, and other commercial real estate loans; and noncommercial construction and land development, residential mortgage, revolving mortgage, consumer loans, and construction and land development loans. It also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment services, including annuities, discount brokerage services, and third-party mutual funds, as well as investment advisory services; trust and asset management services; and title insurance products. The company offers its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2017, it operated 545 branches in Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Maryland, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin. The company was founded in 1898 and is headquartered in Raleigh, North Carolina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 138.13
138.33
149.42
166.08
182.02
193.75
206.06
180.40
238.34
256.76
275.91
growth rate 0.1% 8.0% 11.2% 9.6% 6.4% 6.4% -12.5% 32.1% 7.7% 7.5%
Earnings BIT 229.16
355.49
375.98
571.30
growth rate 55.1% 5.8% 52.0%
Avg.PE 22.07
17.47
12.11
16.78
14.28
growth rate -20.8% -30.7% 38.6% -14.9%
ROA 0.68
0.55
0.66
0.98
0.94
0.64
0.79
0.54
0.68
0.70
0.96
growth rate -19.1% 20.0% 48.5% -4.1% -31.9% 23.4% -31.7% 25.9% 2.9% 37.1%
ROE 7.89
6.31
7.75
11.73
10.85
7.21
8.51
5.82
7.57
7.66
10.20
growth rate -20.0% 22.8% 51.4% -7.5% -33.6% 18.0% -31.6% 30.1% 1.2% 33.2%
ROIC 12.75
9.93
8.96
10.42
9.14
6.51
6.81
4.85
growth rate -22.1% -9.8% 16.3% -12.3% -28.8% 4.6% -28.8%
Leverage 11.25
11.60
11.84
12.01
11.22
11.42
10.21
11.19
10.96
10.95
10.35
growth rate 3.1% 2.1% 1.4% -6.6% 1.8% -10.6% 9.6% -2.1% -0.1% -5.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 28.70
4.05
4.17
2.22
growth rate -85.9% 2.9% -46.7%
Acct.Payable 25,678.58
26,930.76
28,161.34
29,266.28
growth rate 4.9% 4.6% 3.9%
Cur.Assets 847.27
733.50
759.38
535.90
growth rate -13.4% 3.5% -29.4%
Total Assets 16,745.70
18,466.10
20,806.70
20,997.30
21,283.70
21,199.10
30,075.11
31,475.93
32,990.84
34,527.51
growth rate 10.3% 12.7% 0.9% 1.4% -0.4% 41.9% 4.7% 4.8% 4.7%
Cash 768.00
1,203.50
858.60
1,025.80
1,082.90
1,392.90
604.18
534.09
539.74
336.15
growth rate 56.7% -28.7% 19.5% 5.6% 28.6% -56.6% -11.6% 1.1% -37.7%
Inventory 93.44
65.56
61.23
51.10
growth rate -29.8% -6.6% -16.6%
Cur.Liabilities 26,665.76
27,526.92
28,764.83
29,960.08
growth rate 3.2% 4.5% 4.2%
Liabilities 15,302.30
16,906.90
19,073.70
19,136.20
19,419.60
19,122.40
27,387.52
28,603.83
29,978.41
31,193.45
growth rate 10.5% 12.8% 0.3% 1.5% -1.5% 43.2% 4.4% 4.8% 4.1%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
352.51
694.93
827.24
862.45
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -82.5% 97.1% 19.0% 4.3%
Equity 1,443.40
1,559.10
1,733.00
1,861.10
1,864.00
2,076.70
2,687.59
2,872.11
3,012.43
3,334.06
growth rate 8.0% 11.2% 7.4% 0.2% 11.4% 29.4% 6.9% 4.9% 10.7%
Common Shares 10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
12.00
12.00
12.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 20.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 95.20
95.90
69.50
76.90
88.90
66.00
82.71
89.73
81.84
84.80
growth rate 0.7% -27.5% 10.7% 15.6% -25.8% 25.3% 8.5% -8.8% 3.6%
Cash Dividends 11.50
12.50
12.50
12.50
15.40
8.70
11.54
18.02
14.41
10.81
growth rate 8.7% 0.0% 0.0% 23.2% -43.5% 32.7% 56.1% -20.0% -25.0%
Cash From OA 227.20
168.10
94.30
335.70
201.30
331.00
182.24
233.06
230.51
351.66
growth rate -26.0% -43.9% 256.0% -40.0% 64.4% -44.9% 27.9% -1.1% 52.6%
FCF per Share 5.57
12.66
7.95
7.27
36.78
10.97
19.87
4.38
19.95
13.62
19.35
growth rate 127.3% -37.2% -8.6% 405.9% -70.2% 81.1% -78.0% 355.5% -31.7% 42.1%
Sale Purchase of Stock -0.62
growth rate
FCF 58.00
132.00
83.00
76.00
552.00
112.00
265.00
100.00
143.00
151.00
267.00
growth rate 127.6% -37.1% -8.4% 626.3% -79.7% 136.6% -62.3% 43.0% 5.6% 76.8%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 811.90
914.00
1,180.50
1,335.30
1,104.00
1,003.80
1,053.52
1,327.64
1,377.32
1,528.55
growth rate 12.6% 29.2% 13.1% -17.3% -9.1% 5.0% 26.0% 3.7% 11.0%
Op.Income 139.60
183.10
303.60
310.10
194.20
264.70
247.86
333.55
371.47
442.11
growth rate 31.2% 65.8% 2.1% -37.4% 36.3% -6.4% 34.6% 11.4% 19.0%
IBT 203.59
332.41
351.07
543.70
growth rate 63.3% 5.6% 54.9%
Net Income 91.10
116.30
193.00
195.00
134.30
167.70
138.56
210.39
225.48
323.75
growth rate 27.7% 66.0% 1.0% -31.1% 24.9% -17.4% 51.8% 7.2% 43.6%
EPS 10.41
8.73
11.15
18.50
18.80
12.92
17.35
13.56
17.52
18.77
26.96
growth rate -16.1% 27.7% 65.9% 1.6% -31.3% 34.3% -21.8% 29.2% 7.1% 43.6%
Gross Profit 1,053.52
1,327.64
1,377.32
1,528.55
growth rate 26.0% 3.7% 11.0%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 218.68
110.97
130.51
135.86
growth rate -49.3% 17.6% 4.1%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 3.77
4.61
2.22
3.64
growth rate 22.4% -51.8% 63.6%
Acct.Payable 29,456.34
29,333.95
29,266.28
29,969.25
30,408.88
growth rate -0.4% -0.2% 2.4% 1.5%
Cur.Assets 862.49
516.61
535.90
443.13
465.69
growth rate -40.1% 3.7% -17.3% 5.1%
Total Assets 34,769.85
34,584.15
34,527.51
34,436.44
35,088.57
growth rate -0.5% -0.2% -0.3% 1.9%
Cash 556.77
296.39
336.15
248.14
260.53
growth rate -46.8% 13.4% -26.2% 5.0%
Inventory 60.78
53.99
51.10
48.09
46.63
growth rate -11.2% -5.4% -5.9% -3.0%
Cur.Liabilities 30,240.86
30,013.23
29,960.08
30,524.00
31,022.88
growth rate -0.8% -0.2% 1.9% 1.6%
Liabilities 31,530.00
31,270.32
31,193.45
31,064.32
31,641.68
growth rate -0.8% -0.3% -0.4% 1.9%
LT Debt 879.96
866.12
862.45
194.41
241.36
growth rate -1.6% -0.4% -77.5% 24.2%
Equity 3,239.85
3,313.83
3,334.06
3,372.11
3,446.89
growth rate 2.3% 0.6% 1.1% 2.2%
Common Shares 12.01
12.01
12.01
12.01
12.01
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 20.45
24.18
24.71
24.08
35.52
growth rate 18.2% 2.2% -2.5% 47.5%
Cash Dividends 7.21
3.60
3.60
4.20
4.20
growth rate -50.0% 0.0% 16.7% 0.0%
Cash From OA 53.30
113.20
47.55
458.39
61.58
growth rate 112.4% -58.0% 864.0% -86.6%
FCF 32.85
89.03
22.84
434.31
26.06
growth rate 171.0% -74.3% 1,801.3% -94.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 374.76
390.62
405.75
373.70
388.71
growth rate 4.2% 3.9% -7.9% 4.0%
Op.Income 102.29
113.10
121.65
116.12
134.59
growth rate 10.6% 7.6% -4.6% 15.9%
IBT 211.88
103.65
123.11
131.45
122.72
growth rate -51.1% 18.8% 6.8% -6.7%
Net Income 134.66
67.06
54.41
100.23
93.29
growth rate -50.2% -18.9% 84.2% -6.9%
EPS
growth rate
Gross Profit 374.76
390.62
405.75
373.70
388.71
growth rate 4.2% 3.9% -7.9% 4.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (75.98)

YOY Growth Grade:

D (45.05)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.79 15.86 9.79
EPS / Growth 26.23

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.1% 10.1% 10.1%
Future PE 9.79 15.23 15.23
Future EPS 68.34 68.34 68.34
Value Price
MOS %
165.37
-60.2%
257.20
-38.2%
257.20
-38.2%
MOS Price 82.68 128.60 128.60
IRT 9.34 9.34 9.34

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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