Profitability
Weight: 25%
B-
66
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 62.3%
- Efficiency Ratio Trend -1.15 pp/yr
FCNCA
First Citizens BancShares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
62
- 5yr Avg ROE 19.9%
- 5yr Share-Count CAGR 4.2%
Growth Quality
Weight: 15%
A
88
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 49.9%
- Efficiency Ratio Trend (growth quality check) -1.15 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
C
56
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.05
Balance Sheet
Weight: 20%
B+
78
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.7%
Stability
Weight: 10%
D
35
- EPS Volatility (σ/μ) 1.71
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 3
- Avg Δ position
- -8.9%
- New buys
- 0
- Full exits
- 1