Stock·NASDAQ·Financial Services
First Citizens BancShares, Inc. (FCNCA)
- Market cap
- $23.98B
- P/E
- 11.35
- Dividend yield
- 0.40%
- Street target
- $2,300.00median of 13 analysts
- 52-week range
- $1,706.10 $2,296.30
The short version
Where FCNCA stands today, in four lines, and what CleaRank Financial AI makes of it.
FCNCA at a glance
First Citizens BancShares, Inc. (FCNCA): Buy, 67/100 on CleaRank's AI score.
- Trend Mixed: the price is above its 200-day but below its 50-day moving average ($2,057.74 and $2,142.45).
- Earnings FCNCA beat estimates in 6 of its last 7 quarters, yet fell the next day after 5 of those beats.
- Insiders Insiders sold $15.4M and bought $160K over the last 18 months.
- Valuation P/E of 11.3 against 16.5 for the Financial Services sector: a discount to peers (-31%).
Figures as of October 17, 2026.
CleaRank Financial AI
CleaRank rates First Citizens BancShares, Inc. (FCNCA) a Buy with a model score of 67/100.
Valuation is the biggest contributor: the P/E of 11.35 sits 31.2% below the sector median, a discount to peers, and the P/S of 2.54 is 33.2% below the sector median. Momentum is the largest drag, with the MACD line negative. The trend is mixed, since FCNCA sits 0.87% below its 50-day average of $2,142.45 yet 3.21% above its 200-day average of $2,057.74. Across the past year, the price climbed 29.60%.
Only on CleaRank
Figures we compute ourselves from FCNCA's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
3/4Price above its 50-day average ›
The price of $2,123.74 is 0.9% below the 50-day simple moving average of $2,142.45.Price above its 200-day average ›
The price is 3.2% above the 200-day simple moving average of $2,057.74.50-day average above the 200-day ›
The 50-day average ($2,142.45) is 4.1% above the 200-day average ($2,057.74), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 71% of its 52-week range, between $1,706.10 and $2,296.30.
FCNCA share price
Pick a period: each tab shows how far FCNCA has moved over it, to the last close.
Today's trading
Where FCNCA sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 11.35 is 31.2% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 2.54 is 33.2% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $2.3B on revenue of $9.3B, a net margin of 24.3%.Beat estimates in most recent reports ›
FCNCA beat the EPS estimate in 6 of its last 7 reports.Pays a dividend ›
The trailing dividend yield is 0.40%, or $8.40 a share a year.
Key statistics
The headline figures for FCNCA.
As of October 17, 2026, FCNCA trades at $2,123.74, with a market value of $23.98B, a P/E ratio of 11.35 and a dividend yield of 0.40%.
What the numbers say
CleaRank Financial AI's reading of FCNCA's valuation, growth and risks.
FCNCA trades at 11.35 times trailing earnings, which leaves its P/E 31.2% below the Financial Services median of 16.5. The peer comparison on this page calls that a discount to peers. Measured against sales, the P/S of 2.54 sits 33.2% below the sector median of 3.8.
In the latest year revenue grew 8.50%, 3.2 percentage points slower than the sector median of 11.7%. Profitability shows a net margin of 25.23% and an operating margin of 39.04%, with a return on equity of 10.65%, below the sector median of 13.8%. Debt-to-equity of 0.02 and a trailing dividend yield of 0.40% ($8.40 a share a year) round out the fundamentals.
The July 23, 2026 report beat expectations by 42.16%: EPS of $57.09 against an estimate of $40.16. The market reacted the other way, with the stock falling 2.36% the following session.
FCNCA has beaten the EPS estimate in 6 of its last 7 reports, yet those beats have not reliably lifted the shares. The stock fell in the next session after 5 of them. Analysts expect EPS of $194.27 this fiscal year, a 9.2% rise, and $202.63 next year.
Daily swings in FCNCA usually come to about 1.22%. Insider sales over the last 18 months totalled $15.4M, while open-market purchases came to $160K. Insider sales are often planned in advance or made to cover taxes on vesting shares, so they carry less weight than purchases.
FCNCA against the Financial Services sector
How FCNCA compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: FCNCA trades at a notable discount to sector peers (-31%), which may indicate undervaluation or specific company headwinds.
Return vs XLF: Since May 6, 2025, FCNCA has gained 19.4% against a gain of 12.9% for XLF.
Performance against XLF
FCNCA and the Financial Services sector fund over the same days.
Revenue and earnings
How much FCNCA sells, and how much of it becomes profit.
Revenue growth: Revenue fell 4.9% in FY2025 to $9.3B, from $9.7B a year earlier.
Profit margin: The net margin was 23.8% in FY2025, down from 28.5% the year before.
Profitable: FCNCA earned $2.2B in FY2025.
Earnings reality check
Did FCNCA beat what analysts expected, and how did the stock react?
Earnings record: FCNCA beat the analyst estimate in 6 of the last 7 quarters.
Market reaction: The stock fell in the first session after 5 of those 6 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Jul 23, 2026after close | $40.16 | $57.09 | +42.16% | -2.36% | -2.56% |
| Jan 23, 2026after close | $43.79 | $51.27 | +17.08% | -0.09% | +2.63% |
| Oct 23, 2025after close | $41.49 | $44.62 | +7.54% | +1.35% | +1.54% |
| Jul 25, 2025after close | $39.09 | $44.78 | +14.56% | -2.19% | -8.75% |
| Apr 24, 2025after close | $37.69 | $37.79 | +0.27% | -0.64% | -0.51% |
| Jan 24, 2025after close | $39.11 | $45.10 | +15.32% | -1.92% | -0.91% |
| Oct 24, 2024after close | $47.50 | $45.87 | -3.43% | +0.10% | +3.05% |
As of October 17, 2026, FCNCA has beaten the analyst EPS estimate in 6 of its last 7 reported quarters and fell in the first trading session after 5 of those beats; its latest report, on July 23, 2026, came in 42.16% above the estimate and the stock moved -2.36% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
2/3RSI not overbought or oversold ›
The 14-day RSI is 55.0, in neutral territory.RSI above 50 ›
An RSI of 55.0 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of FCNCA
The score, the reasoning behind it, and what could move the price next.
FCNCA, the ticker for First Citizens BancShares, Inc., is caught between its two moving averages. At $2,123.74, the price is 3.21% above its 200-day average of $2,057.74 but 0.87% below its 50-day average of $2,142.45. Sitting at 71% of its 52-week range, the stock is 7.51% below its 52-week high of $2,296.30.
Every period on the chart shows a gain, with the price up 0.08% over the past three months, 4.61% over the past six months and 29.60% over the past year. On momentum, the 14-day RSI reads 55.0, in the neutral zone, with the MACD line negative.
Earnings beat ›
The July 23, 2026 report beat the EPS estimate by 42.16%, and the share price fell 2.36% in the first session after it.
Source: Earnings report, July 23, 2026
Rating reaffirmed ›
JP Morgan kept its Neutral rating on October 1, 2026.
Source: Analyst action, JP Morgan, October 1, 2026
- Keep an eye on the two closest levels: the 50-day SMA at $2,142.45 sits above the price, and the 20-day EMA at $2,091.83 sits below it.
- The 14-day RSI reads 55.0, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
- FCNCA beat estimates in 6 of the last 7 reports, but after the July 23, 2026 report the share price still fell 2.36% in the first session.
FCNCA has a mixed trend. The price is above its 200-day average of $2,057.74 but under its 50-day average of $2,142.45. A close above the 50-day would flip both signals to up, while a close below the 200-day would flip both to down. Until then, the stock trades between the 20-day EMA at $2,091.83 below and the 50-day SMA at $2,142.45 above.
Technical indicators
Momentum and trend for FCNCA, from its daily closes.
As of October 17, 2026, with FCNCA at $2,123.74, its 14-day RSI is 55.0 (neutral territory), its 50-day simple moving average is $2,142.45 and its 200-day is $2,057.74.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What FCNCA moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, FCNCA's 1-year correlation of daily returns is +0.51 with S&P 500 (SPY), +0.39 with Nasdaq 100 (QQQ), +0.07 with Bitcoin (BTC) and -0.12 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
1/3Most analysts rate it a buy ›
2 of 13 analysts rate it a buy or strong buy, 11 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $2,300.00 is 8.3% above the price.More buy ratings than three months ago ›
2 of 13 rate it a buy now, against 2 of 12 three months ago.
FCNCA Wall Street View
12-month price targets
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 1, 2026 | JP Morgan | Maintains | Neutral |
| Sep 14, 2026 | UBS | Reinstates | Neutral |
| Jul 28, 2026 | Truist Securities | Maintains | Hold |
| Jul 27, 2026 | Piper Sandler | Maintains | Neutral |
| Jul 27, 2026 | Barclays | Maintains | Equal-Weight |
| Jul 24, 2026 | JP Morgan | Maintains | Neutral |
As of October 17, 2026, 13 Wall Street analysts cover FCNCA: 2 rate it a buy or strong buy, 11 a hold and 0 a sell or strong sell. Their 12-month price targets range from $2,100.00 to $2,525.00, with a median of $2,300.00, 8.3% above the price of $2,123.74.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
FCNCA trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Long entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from FCNCA's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much FCNCA tends to move, against the market and on its own.
The long record
FCNCA's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
4/4Average daily move under 2% ›
The price has moved 1.22% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 42.1%, from December 2019 to April 2020, regained by November 2020.Most 1-year holds ended higher ›
71% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $75,914, against $42,055 in the S&P 500 (SPY).
FCNCA Drawdowns & Recovery
As of October 17, 2026, FCNCA's worst peak-to-trough fall over the last 10 years with dividends reinvested was -42.1% (December 2019 to April 2020); it regained that peak by November 2020, 7 months after the low, and 71% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into FCNCA in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: FCNCA beat the S&P 500 over this period: $75,914 against $42,055.
A $10,000 investment in FCNCA in October 2016 would be worth about $75,914 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to FCNCA, and which have not.
Strongest month, November: an average of +8.50%, up in 8 of 10 years.
Weakest month, March: an average of -4.23%, up in 3 of 10 years.
This month, October: has averaged +5.66%, up in 6 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, FCNCA's strongest calendar month has been November (average +8.50%, up in 8 of 10 years) and its weakest March (average -4.23%, up in 3 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in FCNCA, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in FCNCA today could grow to about $27,263 by 2036 in the base case, with a 90th-percentile outcome near $120,050 and a 10th-percentile outcome around $6,191. The simulation models price only; at today's 0.40% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
FCNCA Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $3,172 for FCNCA by 2030 in the base case, from $2,124 today (1.5x over 4 years). The 10th-percentile path ends near $1,242. These are outcomes of a Monte Carlo simulation run on FCNCA's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $1,469 | $2,348 | $3,752 | |
| 2028 | $1,338 | $2,595 | $5,036 | |
| 2029 | $1,274 | $2,869 | $6,462 | |
| 2030 | $1,242 | $3,172 | $8,100 | |
| 2031 | $1,229 | $3,507 | $10,003 |
Method: a lognormal simulation of FCNCA's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
FCNCA insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: Insiders bought $160K on the open market and sold $15.4M.
As of October 17, 2026, FCNCA insiders reported 2 open-market sales worth $15.4M and 4 open-market purchases worth $160K over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 19, 2026 | Diane E Morais
Director
|
Buy | 50 | $108.4K |
| Jun 4, 2026 | Ellen R Alemany
Director
|
Sell | 2.5K | $5.2M |
| May 12, 2026 | Frank Brown Holding Jr.
Chief Executive Officer
|
Sell | 5.3K | $10.3M |
| Mar 17, 2026 | Hope Holding Bryant
Officer and Director
|
Grant | 357 | - |
| Mar 13, 2026 | Ellen R Alemany
Director
|
Grant | 310 | - |
| Mar 5, 2026 | Ralph Mattox Snow III
Director
|
Buy | 11 | $21.4K |
| Mar 3, 2026 | Frank Brown Holding Jr.
Chief Executive Officer
|
Grant | 360 | - |
| Mar 2, 2026 | Olivia Britton Holding
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 130 | - |
| Jan 12, 2026 | Carson Holding Brice
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 335 | - |
| Dec 22, 2025 | Hope Holding Bryant
Officer and Director
|
Grant | 29.5K | - |
| Dec 17, 2025 | Olivia Britton Holding
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 6 | - |
| Nov 21, 2025 | Claire Holding Bristow
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 120 | - |
| Nov 21, 2025 | Peter M Bristow
President
|
Grant | 120 | - |
| Sep 26, 2025 | Carson Holding Brice
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 125 | - |
| Aug 5, 2025 | Ralph Mattox Snow III
Director
|
Buy | 10 | $18.9K |
| Aug 4, 2025 | Craig L Nix
Chief Financial Officer
|
Buy | 6 | $11.8K |
| May 22, 2025 | Carson Holding Brice
Beneficial Owner of more than 10% of a Class of Security
|
Grant | 226 | - |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 17, 2026.