FCNCA Stock Analysis: Buy, Sell, or Hold?
FCNCA - First Citizens BancShares Inc
$1928.39
-9.16 (-0.47%)
▼
5d:
-1.21%
30d:
-2.68%
90d:
-3.86%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 23, 2026
0d
Get Alerted When FCNCA Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: FCNCA shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: FCNCA shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$3037.30
Based on 8.5% avg growth
INTRINSIC VALUE TODAY
$1885.92
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 $1928.39, which is considered oversold relative to its 30-day fair value range of $1934.12 to $2013.85. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 1.7% over the next few years. This pessimistic expectation contrasts with the company's recent 23.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FCNCA is in a strong downtrend. The price is currently testing key support at $1889.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $2212.92 (+14.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FCNCA is in a strong downtrend. The price is currently testing key support at $1889.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $2212.92 (+14.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$1934.12 -
$2013.85
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($2212.92)
Trading Range Analysis
30-Day Trading Range
$1934.12 -
$2013.85
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$1889.00
Resistance Level
$2046.60
Current Trend
Strong Downtrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.72
Wall Street Target
$2212.92
(+14.8%)
Revenue Growth (YoY)
4.9%
Earnings Growth (YoY)
23.6%
Profit Margin
24.7%
Valuation Discount vs History
-1.7% cheaper
PE vs Historical
9.7 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.7%
(market-implied from PE analysis)
1-Year Target
$1895.61
(-2%)
2-Year Target
$1863.38
(-3%)
3-Year Target
$1831.70
(-5%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$1922.80
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 13.0%)
$6314.34
(+227%)
Base:
(SPY PE: 9.7, Growth: 13.0%)
$2780.02
(+44%)
Bear:
(PE: 8.3, Growth: 13.0%)
$2363.02
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.18 | Current EPS (TTM): $173.31
Bull Case
$2440.60
(+27%)
Analyst growth 14.5%, PE expands to 12.3
Base Case
$2218.72
(+15%)
Market implied 14.5%, PE stable at 11.2
Bear Case
$1317.54
(-32%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.7 to 10.2
Stabilization Target:
$2024.29
(+5.0%)
PE Expansion Potential:
+5.0%
Share & Embed Analysis
Last updated: May 15, 2026 8:00 PM ET
Data refreshes hourly during market hours. Next update: 9:00 PM
Data refreshes hourly during market hours. Next update: 9:00 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FCNCA showing a specific setup today?
Insider Activity (6 Months)
8
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
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$63 | 55 HOLD |
|
KEY
KeyCorp |
BUY
24 analysts |
$25 | 59 HOLD |
|
WBS
Webster Financial Corpor… |
STRONG BUY
16 analysts |
$74 | 59 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$89 | 56 HOLD |
|
NU
Nu Holdings Ltd |
BUY
20 analysts |
$20 | 50 HOLD |
