FIZN Stock Overview

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

FIZN fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 45% below our estimate of its fair value

Risk Analysis

Earnings have declined by 3.7% per year over past 5 years

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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First Citizens Bancshares, Inc. Competitors

Southern First Bancshares

NasdaqGM:SFST

US$290.1m

First Bancorp

NasdaqGS:FNLC

US$273.5m

RBB Bancorp

NasdaqGS:RBB

US$276.4m

PCB Bancorp

NasdaqGS:PCB

US$279.8m

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	0.13
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	24.55%
5 Year Change	31.60%
Change since IPO	114.62%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FIZN	US Banks	US Market
7D	0%	1.2%	1.8%
1Y	n/a	15.6%	9.5%

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	4.8%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.2%
10% least volatile stocks in US Market	4.1%

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 in the United States. The company offers checking and savings deposits and residential, commercial and consumer lending, 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$269.42m
Earnings (TTM)	US$17.48m
Revenue (TTM)	US$72.12m

15.4x

P/E Ratio

1.5x

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$72.12m
Cost of Revenue	US$0
Gross Profit	US$72.12m
Other Expenses	US$54.64m
Earnings	US$17.48m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.53
Gross Margin	100.00%
Net Profit Margin	24.24%
Debt/Equity Ratio	82.8%

How did FIZN perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

31%

Payout Ratio

Company Analysis and Financial Data Status

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

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.

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 Github.

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.