First Citizens BancShares, Inc. (FCNCA) fair value analysis
Nasdaq · Updated 2026-10-19
FCNCA price how computed
Forward Fair Value verdict
Fairly valuedFCNCA is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $2,123.74
- Sector
- Financial Services
- 12-month range
- $1,755.94–$2,291.33
- Market cap
- $21.8B
- From 52-week high
- -7.3%
- Shares outstanding
- 10.3M
- Rank in Financial Services by discount to fair value
- #95 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
First Citizens BancShares, Inc. operates as a bank holding company that provides banking and financial services through its subsidiary First Citizens Bank, including commercial and consumer lending, deposit products, wealth management, and investment services. The company operates across multiple states in the United States, with a significant presence in the Southeast and other regions.
FCNCA currently ranks #95 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $21.8B
- P/E (trailing)
- 11x
- Revenue (TTM)
- $14.4B
- Net margin
- 16.3%
- EPS (TTM)
- $197.84
- Gross margin
- 67.1%
- Debt / equity
- 1.47
- Revenue growth (3-yr avg)
- -0.9%
- Shares outstanding
- 10.3M
Derived indicators how computed
- Quality grade
- C
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 54 · neutral
- 50-day average
- $2,142.45
- 200-day average
- $2,057.74
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $8.40 per share (4 payments)
- Yield on last price
- 0.40%
- Consecutive years of increases
- 9
- Last ex-dividend date
- 2026-08-31
- Last payment date
- 2026-09-15
Earnings how computed
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+41.1%)
2026-03 ▲ beat (+14.4%)
2025-12 ▲ beat (+17.1%)
2025-09 ▲ beat (+7.5%)
2025-06 ▲ beat (+14.6%)
2025-03 ▲ beat (+0.3%)
2024-12 ▲ beat (+15.3%)
2024-09 ▼ miss (-3.4%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 2 buy · 11 hold · 0 sell (13 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $2340
- Target vs last price
- +10.2%
What our data shows for FCNCA
- Our model validated 17 trailing price-to-earnings windows for FCNCA, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $1,755.94–$2,291.33.
- The 14-day relative strength index sits at a neutral 54.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for FCNCA
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent FCNCA news
TickrTrends' derived news-sentiment signal for FCNCA is currently leaning positive, computed from recent coverage.
- First Citizens (FCNCA): Is the SVB-Boosted Bank Still Undervalued for the S&P 500 Index? (insidermonkey.com, 2026-10-20)
TickrTrends take: First Citizens BancShares operates in the Financial Services sector and is currently assessed as fairly valued according to TickrTrends analysis. The headline's focus on the bank's acquisition of Silicon Valley Bank assets suggests ongoing market discussion about whether recent strategic moves have been fully reflected in the stock's valuation. Investors monitoring valuation metrics should track how the company integrates these assets and whether earnings growth justifies the current fair value assessment. - First Citizens BancShares (FCNCA) Reports Next Week: Wall Street Expects Earnings Growth (zacks.com, 2026-10-16)
TickrTrends take: First Citizens BancShares operates in the Financial Services sector where earnings performance is a key driver of valuation multiples. With Wall Street anticipating earnings growth in the upcoming report, investors focused on valuation should monitor whether the company's actual results and forward guidance support the fairly valued assessment, as earnings surprises could shift the stock's valuation standing. The earnings announcement will be particularly important for determining whether current valuations adequately reflect the bank's growth trajectory. - REINHART PARTNERS, LLC. Trims Hillman Solutions Corp (HLMN) Stake -- Shares Trade 30% Below GF Value (gurufocus.com, 2026-10-15)
TickrTrends take: FCNCA operates in the Financial Services sector and currently carries a Fairly valued designation from TickrTrends. The recent activity in HLMN, where a significant investor trimmed its position amid the stock trading substantially below GF Value estimates, illustrates the kind of valuation divergence that can occur in market-traded securities. Investors focused on valuation metrics should monitor whether FCNCA maintains its current fair value assessment or shows similar patterns of trading relative to intrinsic value estimates.
More FCNCA news
- REINHART PARTNERS, LLC. Sells Out of AdaptHealth Corp (AHCO) -- Shares Look 33% Undervalued on GF Value (gurufocus.com, 2026-10-15)
- FCNCA Maintained by JP Morgan -- Price Target Lowered to $2300 (gurufocus.com, 2026-10-01)
- First Citizens BancShares: Strong Fundamentals, But Limited Margin Of Safety (FCNCA) (seekingalpha.com, 2026-10-01)
- First Citizens BancShares, Inc. Class A (FCNCA) -- Strategic Growth in Banking | Meridian Contrarian Fund Q2 2026 (gurufocus.com, 2026-09-20)
What people are saying
Follow the FCNCA conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — FCNCA's sector positioning has shifted this week, with its discount rank moving from #94 to #102 among Financial Services companies. The stock maintains a Fairly valued assessment according to current metrics. This change in ranking reflects a slight adjustment in how FCNCA's valuation compares to other firms within its sector.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — TickrTrends' derived indicators for FCNCA show that the stock has moved higher in the sector discount ranking this week, rising from position #101 to position #94. The stock remains in the Fairly valued category according to current valuation metrics.
- 2026-10-10 — FCNCA moved to number 100 in sector discount rank from number 94 in the previous week, indicating a change in its valuation position relative to other Financial Services companies. The stock maintains a current valuation verdict of Fairly valued according to TickrTrends' derived indicators.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — FCNCA's sector positioning has improved this week, with its discount rank moving from #101 to #92 among Financial Services companies, indicating the stock has become relatively more attractively valued compared to its sector peers. The stock maintains a Fairly valued verdict at current levels.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is FCNCA stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), FCNCA is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is FCNCA's TickrTrends verdict?
FCNCA's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does FCNCA compare to other Financial Services stocks?
FCNCA ranks #95 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is FCNCA overbought or oversold?
FCNCA's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does FCNCA pay a dividend?
Yes. FCNCA paid $8.40 per share over the last twelve months (4 payments), a 0.40% yield on TickrTrends' last price, and has raised the annual total for 9 consecutive years. The last ex-dividend date was 2026-08-31.
Does FCNCA usually beat earnings estimates?
Over its last 8 reported quarters FCNCA beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about FCNCA?
Of 13 analysts covering FCNCA, 2 rate it a buy, 11 a hold and 0 a sell - hold-leaning, with a consensus price target of $2340 (+10.2% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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