How does FIZN's PE Ratio compare to its peers?

FIZN is good value based on its Price-To-Earnings Ratio (16.6x) compared to the peer average (18.6x).

How does FIZN's PE Ratio compare vs other companies in the US Banks Industry?

FIZN is expensive based on its Price-To-Earnings Ratio (16.6x) compared to the US Banks industry average (12.4x).

What is FIZN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FIZN's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FIZN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FIZN ($69.75) is trading below our estimate of [[fair value]] ($144.7)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

FIZN Stock Overview

Through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customers. More details

FIZN fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 51.8% below our estimate of its fair value

Risk Analysis

Earnings have declined by 1.4% per year over past 5 years

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

First Citizens Bancshares, Inc. Competitors

Fidelity D & D Bancorp

NasdaqGM:FDBC

US$250.5m

First Bancorp

NasdaqGS:FNLC

US$289.9m

PCB Bancorp

NasdaqGS:PCB

US$273.7m

Ponce Financial Group

NasdaqGM:PDLB

US$295.6m

Price History & Performance

Summary of share price highs, lows and changes for First Citizens Bancshares
Historical stock prices
Current Share Price	US$69.75
52 Week High	US$69.75
52 Week Low	US$52.65
Beta	0.12
1 Month Change	29.05%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	114.62%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FIZN	US Banks	US Market
7D	0%	1.3%	2.4%
1Y	n/a	37.7%	25.0%

Return vs Industry: Insufficient data to determine how FIZN performed against the US Banks industry.

Return vs Market: Insufficient data to determine how FIZN performed against the US Market.

Price Volatility

Is FIZN's price volatile compared to industry and market?
FIZN volatility
FIZN Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.3%

Stable Share Price: FIZN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FIZN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1889	n/a	Jeff Agee	www.firstcnb.com

First Citizens Bancshares, Inc., through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customers. The company offers checking and savings deposits, as well as certificates of deposit. It also provides personal and home loans, and home equity line of credit.

First Citizens Bancshares, Inc. Fundamentals Summary

How do First Citizens Bancshares's earnings and revenue compare to its market cap?
FIZN fundamental statistics
Market cap	US$269.58m
Earnings (TTM)	US$16.26m
Revenue (TTM)	US$70.05m

16.6x

P/E Ratio

1.4x

P/B Ratio

Is FIZN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FIZN income statement (TTM)
Revenue	US$70.05m
Cost of Revenue	US$0
Gross Profit	US$70.05m
Other Expenses	US$53.79m
Earnings	US$16.26m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.21
Gross Margin	100.00%
Net Profit Margin	23.21%
Debt/Equity Ratio	84.6%

How did FIZN perform over the long term?

See historical performance and comparison

Dividends

2.0%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/23 21:04
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Citizens Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution