Profitability
Weight: 25%
B-
64
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.6%
- Operating Margin Trend -3.55 pp/yr
FCNCA
First Citizens BancShares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
64
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.7%
- 5yr Share-Count CAGR 5.9%
Growth Quality
Weight: 10%
A+
100
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 30.7%
- 5yr EPS CAGR 32.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A-
83
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.93x
Balance Sheet
Weight: 30%
C
57
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.7%
- Interest Coverage (EBIT/Int) 0.60x
Stability
Weight: 10%
D
38
- EPS Volatility (σ/μ) 1.71
- Piotroski F-Score 7
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 trimmed; 1 full exit.
- Holders
- 3
- Avg Δ position
- -20.4%
- New buys
- 0
- Full exits
- 1