FCNCA Stock Analysis: Buy, Sell, or Hold?
FCNCA - First Citizens BancShares Inc
$2082.99
-38.64 (-1.82%)
▼
5d:
-0.3%
30d:
+4.34%
90d:
+9.96%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 24, 2026
20d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FCNCA shows positive signals but monitor for confirmation. Market pricing in 0.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FCNCA shows positive signals but monitor for confirmation. Market pricing in 0.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$3094.44
Based on 8.7% avg growth
INTRINSIC VALUE TODAY
$1921.40
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FCNCA is currently trading at $2082.99, which is considered fair relative to its 30-day fair value range of $2011.22 to $2113.84. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.2). At these levels, the market is pricing in 0.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FCNCA is in a downtrend. The price is approaching resistance at $2134.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FCNCA is in a downtrend. The price is approaching resistance at $2134.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$2011.22 -
$2113.84
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($2227.92)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$2011.22 -
$2113.84
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$1935.74
Resistance Level
$2134.47
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.40
Wall Street Target
$2227.92
(+7.0%)
Revenue Growth (YoY)
4.9%
Earnings Growth (YoY)
23.6%
Profit Margin
24.7%
Valuation Premium vs History
+0.5% premium
PE vs Historical
10.4 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$2093.40
(+1%)
2-Year Target
$2103.87
(+1%)
3-Year Target
$2114.39
(+2%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$2074.66
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 13.4%)
$6357.77
(+205%)
Base:
(SPY PE: 10.4, Growth: 13.4%)
$3034.48
(+46%)
Bear:
(PE: 8.8, Growth: 13.4%)
$2579.31
(+24%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.23 | Current EPS (TTM): $173.46
Bull Case
$2695.95
(+29%)
Analyst growth 15.5%, PE expands to 13.5
Base Case
$2450.86
(+18%)
Market implied 15.5%, PE stable at 12.2
Bear Case
$1442.70
(-31%)
Severe decline -20.0%, PE contracts to 10.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 4:57 PM ET
Data refreshes hourly during market hours. Next update: 5:57 PM
Data refreshes hourly during market hours. Next update: 5:57 PM
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Technical Signals Check
Is FCNCA showing a specific setup today?
Insider Activity (6 Months)
7
Buys
1
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Thomas H. Kean, Jr.
SELL
2026-03-26
Frank B Holding Jr
BUY
92 shares
2026-03-19
Frank B Holding Jr
BUY
4 shares
2026-03-19
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