OTC · Banks - Regional

First Citizens Bancshares, Inc. (FIZN) Stock

$75.01 +0.00% OTC: FIZN Financial Services

Operating through its First Citizens National Bank subsidiary, First Citizens Bancshares, Inc. offers a comprehensive array of commercial banking services to both individual and corporate customers throughout the mid-southern United States.

Valuation

MetricValue
Price$75.01
Market Cap$287.58M
P/E Ratio15.69
P/B Ratio1.44
P/S Ratio3.74
EPS (TTM)$4.78
52-Week High$76.00
52-Week Low$54.05
Dividend Yield3.40%

Financials & Margins

MetricValue
ROE9.36%
ROA0.72%
ROCE1.35%
Gross Margin52.06%
Operating Margin44.54%
Net Margin23.88%
Debt/Equity0.72
Current Ratio0.10

Annual Financials (USD)

Metric20202021202220232024
Revenue$89.0M$89.0M$101.0M$72.0M$134.0M
Operating Profit$26.0M$31.0M$32.0M$21.0M$28.0M
Net Profit$22.0M$27.0M$27.0M$19.0M$17.0M
EPS$5.56$6.84$6.92$4.76$4.52
Op Margin29.1%35.1%31.4%29.1%20.6%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$2.0B$2.2B$2.4B$2.4B$2.5B
Total Liabilities$1.8B$2.0B$2.2B$2.2B$2.3B
Cash$39.0M$51.0M$56.0M$60.0M$59.0M
Borrowings$101.0M$81.0M$156.0M$162.0M$152.0M

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Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$31.0M$28.0M$37.0M$18.0M$23.0M
Investing Cash Flow$-197.0M$-219.0M$-263.0M$31.0M$-128.0M
Financing Cash Flow$200.0M$220.0M$208.0M$-52.0M$121.0M
Net Cash Flow$7.0M$13.0M$5.0M$4.0M$-1.0M
Free Cash Flow$29.0M$26.0M$28.0M$16.0M$22.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.33
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About First Citizens Bancshares, Inc.

Operating through its First Citizens National Bank subsidiary, First Citizens Bancshares, Inc. offers a comprehensive array of commercial banking services to both individual and corporate customers throughout the mid-southern United States. The company provides essential banking products such as checking, savings, and certificate of deposit accounts, in addition to a variety of lending solutions including residential, commercial, consumer, personal, and home loans, alongside home equity lines of credit. For commercial clients, the bank extends specialized financing for real estate, construction, equipment, and residential development projects, as well as operating loans, lines of credit, and government-backed SBA and USDA loans. Debit and credit card services are also available. Furthermore, First Citizens assists with home purchases, refinancing, and reverse mortgages. Its digital banking suite includes mobile, telephone, and online banking access, complemented by e-statements. The institution also delivers financial planning resources like investment, insurance, retirement, and benefit services. Other offerings comprise trust services, overdraft protection, identity theft safeguarding, treasury management, and secure safe deposit boxes. Founded in 1889, First Citizens Bancshares, Inc. is headquartered in Dyersburg, Tennessee.

First Citizens Bancshares, Inc. is headquartered in US.

First Citizens Bancshares, Inc. (FIZN) stock trades at $75.01 with a market capitalization of $287.58M. The stock is valued at a price-to-earnings (P/E) ratio of 15.69, price-to-book of 1.44, price-to-sales of 3.74. Over the past 52 weeks the stock has ranged between $54.05 and $76.00, and currently trades 1.3% below its 52-week high. It pays a dividend yielding 3.40%.

On profitability, First Citizens Bancshares, Inc. generates a return on equity (ROE) of 9.36%, return on capital employed of 1.35%, an operating margin of 44.54%, a net profit margin of 23.88%.

Official website: www.firstcnb.com

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