FCNCA Stock Analysis: Buy, Sell, or Hold?
FCNCA - First Citizens BancShares Inc
$2117.29
6.15 (0.29%)
▲
5d:
+1.07%
30d:
+6.31%
90d:
+13.99%
HOLD
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Jul 24, 2026
28d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FCNCA is fairly valued with market pricing in 1.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FCNCA is fairly valued with market pricing in 1.5% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$3018.94
Based on 8.4% avg growth
INTRINSIC VALUE TODAY
$1874.52
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 $2117.29, which is considered extended relative to its 30-day fair value range of $1975.37 to $2099.86. The stock's valuation (Forward PE: 10.7) is in line with its historical norms (10.2). At these levels, the market is pricing in 1.5% 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: FCNCA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
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: FCNCA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$1975.37 -
$2099.86
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($2211.25)
- NEUTRAL: Market pricing in 1.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$1975.37 -
$2099.86
Current vs Trading Range
EXTENDED
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.)
10.69
Wall Street Target
$2211.25
(+4.4%)
Revenue Growth (YoY)
4.9%
Earnings Growth (YoY)
23.6%
Profit Margin
24.7%
Valuation Premium vs History
+1.5% premium
PE vs Historical
10.7 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$2149.05
(+2%)
2-Year Target
$2181.29
(+3%)
3-Year Target
$2214.00
(+5%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$2113.49
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 12.8%)
$6192.29
(+193%)
Base:
(SPY PE: 10.7, Growth: 12.8%)
$3037.88
(+44%)
Bear:
(PE: 9.1, Growth: 12.8%)
$2582.20
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.18 | Current EPS (TTM): $173.39
Bull Case
$2653.93
(+25%)
Analyst growth 14.3%, PE expands to 13.4
Base Case
$2412.66
(+14%)
Market implied 14.3%, PE stable at 12.2
Bear Case
$1435.58
(-32%)
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: June 24, 2026 7:06 PM ET
Data refreshes hourly during market hours. Next update: 8:06 PM
Data refreshes hourly during market hours. Next update: 8:06 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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