First Citizens BancShares, Inc. cash flow to debt ratio of 8.12% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Citizens BancShares, Inc.'s free cash flow has increased 42.53% from $1.45B last year to $2.07B, signaling increasing performance

First Citizens BancShares, Inc.'s debt to equity ratio is 1.47, which means that the company's assets are unhealthy financed, signaling financial risk.

First Citizens BancShares, Inc.'s debt has decreased relative to shareholder equity from 1.68 last year to 1.47 today, signaling strengthened financials

First Citizens BancShares, Inc. has a net debt to EBITDA ratio of 4.47x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

First Citizens BancShares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

First Citizens BancShares, Inc.'s profit margin has decreased (12.24%) in the last year from 18.59% to 16.31%, signaling decreasing performance

First Citizens BancShares, Inc.'s short-term assets of $168.00B exceed its short-term liabilities of $162.95B

First Citizens BancShares, Inc.'s return on assets of 0.99% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Citizens BancShares, Inc.'s return on equity of 10.68%, is lower than 15.00%, indicating bad performance

First Citizens BancShares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Citizens BancShares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Citizens BancShares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

First Citizens BancShares, Inc. has a free cash flow yield of 8.14%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Citizens BancShares, Inc.'s yearly earnings has decreased 20.56% since last year from $2.78B to $2.21B, signaling decreasing performance

First Citizens BancShares, Inc.'s yearly revenue has decreased 2.97% since last year from $14.94B to $14.50B, signaling decreasing performance

ROIC 0.99% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Citizens BancShares, Inc.'s 3-year revenue CAGR of 41.69% is positive, indicating growing revenue over the past 3 years

First Citizens BancShares, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

First Citizens BancShares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Citizens BancShares, Inc. is overvalued relative to its fair value price of 1.80K based on Discounted Cash Flow model

First Citizens BancShares, Inc. has an earnings yield of 9.14%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Citizens BancShares, Inc. is overvalued relative to its fair value price of 708.19 based on EBITDA multiple model

First Citizens BancShares, Inc. has an EV/EBITDA ratio of 11.95x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Citizens BancShares, Inc. is undervalued relative to its fair value price of 5.99K based on Earnings Fair Value model

First Citizens BancShares, Inc. has a PEG-ratio under 1 which is considered undervalued

First Citizens BancShares, Inc. has a price-to-book ratio of 1.18x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Citizens BancShares, Inc. has a price-to-sales ratio of 1.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue