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As of September 27, 2026, First Citizens BancShares, Inc. (FCNCA) trades at $2,090.36. CleaRank Financial AI rates it Hold with a fair value of $2,323.00, 11.1% above the current price. Wall Street's consensus target is $2,323.00 across 13 analysts. RSI at 34 is in neutral territory, and the price is below its 50-day average of $2,168.61.
First Citizens BancShares, Inc. (FCNCA)
First Citizens BancShares, Inc. NASDAQ
$2,090.36
33.53 (1.63%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
54 / 100
First Citizens BancShares, Inc. (FCNCA) is currently trading at $2090.36, below its 50-day Simple Moving Average (SMA) of $2168.61, indicating near-term weakness. The stock's price is above its 200-day SMA of $2060.29, suggesting a longer-term uptrend remains intact, but the recent bearish RSI momentum warrants caution. Wall Street analysts maintain a 'Hold' consensus with a median price target of $2323.00, implying an 11.1% upside from the current price. While the company has a strong profit margin of 25.23% and a low debt-to-equity ratio of 0.02, insider activity shows a 'Moderate Sell Signal' with significant net selling totaling $15.4 million versus $160.4 thousand in purchases.
FCNCA Price Analysis
Market Metrics
Open
$2,058.51
Day Range
$2,055.59 to $2,105.52
Prev Close
$2,056.83
Volume
42.1K
52-Week Range
$1,623.76 to $2,296.30
Market Cap
$23.61B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-32%), which may indicate undervaluation or specific company headwinds.
FCNCA Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 4 quarters, FCNCA beat estimates 4 times. However, the stock fell 4 times the next day. This suggests positive news is often "priced in" or investors are selling the news.
FCNCA Analysis
Company's Health
3/5
12-Month Analyst Target
+11.13% Upside
Median of 13 analysts (12-month)
$2,323.00
AI Technical Analysis
First Citizens BancShares, Inc. is currently trading below its 50-day and 20-day SMAs, at $2168.61 and $2125.14 respectively, signaling bearish momentum in the short term. The stock remains above its 200-day SMA of $2060.29, indicating that the longer-term trend is still positive. The Relative Strength Index (RSI) is at 34.11, classified as bearish, suggesting potential for further downside. The Moving Average Convergence Divergence (MACD) is at -28.48, also indicating bearish momentum. Key support is seen at the 200-day SMA, while resistance lies near the 50-day SMA.
ProTips
- Insider selling totaling $15.4 million warrants close monitoring, as it suggests potential caution among management regarding near-term prospects.
- The stock's position below its 50-day and 20-day SMAs, combined with a bearish RSI, indicates potential for further short-term weakness, suggesting a prudent approach to new positions.
- Given the current technical weakness and insider selling, consider waiting for a confirmed break above the 50-day SMA before initiating or adding to a long position.
Key Catalysts
Bearish
Moderate Insider Selling Signal
Insiders have sold $15.4 million in stock versus $160.4 thousand in purchases, indicating a 'Moderate Sell Signal' and potentially signaling a lack of confidence in near-term price appreciation.
Source: Insider SummaryBullish
Consistent EPS Beats
The company has a track record of exceeding earnings per share estimates, including a significant 42.16% surprise in the quarter to June 2026, which could provide underlying support.
Source: Earnings AnalysisNeutral
Trading Above 200-Day SMA
The stock price remains above its 200-day Simple Moving Average ($2060.29), suggesting that the longer-term trend is still intact despite recent short-term weakness.
Source: Technical AnalysisBearish
Bearish Short-Term Technicals
The stock is trading below its 50-day ($2168.61) and 20-day ($2125.14) SMAs, with a bearish RSI of 34.11, indicating negative momentum in the near term.
Source: Technical AnalysisMarket Outlook
The base case for First Citizens BancShares, Inc. anticipates a potential recovery towards its median analyst target price of $2323.00 over the next 6-12 months, representing an 11.1% upside. This outlook is supported by the company's strong profitability, low debt, and consistent earnings beats, alongside a longer-term uptrend indicated by the price being above the 200-day SMA. However, the path forward faces headwinds from moderate insider selling and bearish short-term technical signals, including the stock trading below its 50-day SMA and a bearish RSI. A significant catalyst for upside would be a clear shift in insider sentiment or a sustained break above the 50-day SMA, while a failure to hold the 200-day SMA could signal a deeper correction.
Key Statistics
| Market Cap | 23.61B |
|---|---|
| P/E Ratio | 11.21 |
| EPS (TTM) | 186.46 |
| Dividend Yield | 0.40% |
| 52 Week High | 2,296.30 |
| 52 Week Low | 1,623.76 |
First Citizens BancShares, Inc. exhibits a P/E ratio of 11.21, which is below the sector median of 16.5, suggesting a potentially attractive valuation relative to peers. Its price-to-sales ratio stands at 2.53, also below the sector average of 3.8. The company boasts a strong profit margin of 25.23% and an operating margin of 39.04%, with a healthy return on equity of 10.65%. The company's balance sheet is strong, evidenced by a very low debt-to-equity ratio of 0.02, significantly below the sector average. Despite these strong fundamental metrics, the current stock price is trading below key short-term moving averages, and insider selling indicates a degree of caution among management.
Earnings & Growth Analysis
First Citizens BancShares, Inc. has demonstrated a pattern of beating EPS estimates in recent quarters, notably exceeding expectations by 42.16% in the quarter to June 2026 with an actual EPS of $57.09 against an estimate of $40.16. However, the stock experienced a price decline of 2.36% following this beat. The company also beat estimates in the quarter to March 2026 by 14.35% and showed a significant 150% surprise in the prior quarter to March 2026. Revenue growth for the current quarter is estimated at -1.00% year-over-year, with flat growth expected next quarter.
Key Risks
A primary risk for First Citizens BancShares, Inc. is the 'Moderate Sell Signal' from insider transactions, with significant net selling totaling $15.4 million. The stock's current trading below its 50-day and 20-day SMAs, coupled with a bearish RSI, suggests potential for further short-term price depreciation. Additionally, while earnings have beaten estimates, the stock price reaction has been negative, indicating that positive earnings surprises may not be translating into immediate stock appreciation.
Technical Indicators
| RSI (14) | 34.11 |
|---|---|
| MACD | -28.48 |
| SMA 50 | 2,168.61 |
| SMA 200 | 2,060.29 |
RSI
Bearish
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($2,168.61) above the 200-day SMA ($2,060.29), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.50
Moderate correlation
Nasdaq 100 (QQQ)
+0.38
Weak correlation
Bitcoin (BTC)
+0.08
Weak correlation
Gold (XAU)
-0.11
Weak correlation
Check Custom Correlation
How does any other asset move with FCNCA? One year of daily closes, Pearson correlation.
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FCNCA Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$2,069.46
Slight discount to current
Wait for small dip
Aggressive
$2,090.36
At current price
Enter now if confident
Risk Management
STOP LOSS
$1,994.13
MAX LOSS
-3.6%
Volatility-Adjusted Stop Loss
Calculated based on RSI (34.1) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$2,131.54
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$2,172.93
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$2,235.01
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for FCNCA is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 27, 2026.Growth of $10,000
A $10,000 investment in FCNCA in September 2016 would be worth about $73,225 today, compared with about $35,782 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in FCNCA today could grow to about $35,582 by 2036 in the base case, with a bull case near $156,721 and a bear case around $8,078. Projections are statistical simulations, not guarantees.
FCNCA Stock Price Prediction: 2030
CleaRank's simulation projects a price near $3,473 for FCNCA by 2030 in the base case, from $2,090 today (1.7x over 4 years). The downside path ends near $1,360. 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 | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $1,485 | $2,373 | $3,793 |
| 2028 | $1,388 | $2,694 | $5,229 |
| 2029 | $1,358 | $3,059 | $6,891 |
| 2030 | $1,360 | $3,473 | $8,871 |
| 2031 | $1,382 | $3,943 | $11,250 |
| 2032 | $1,420 | $4,477 | $14,116 |
| 2033 | $1,470 | $5,083 | $17,571 |
| 2034 | $1,532 | $5,770 | $21,733 |
| 2035 | $1,605 | $6,551 | $26,741 |
| 2036 | $1,689 | $7,438 | $32,760 |
Method: 10,000 simulated price paths using FCNCA's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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FCNCA Insider Trading Analysis
Bought
$160.4K
4 Transactions
Sold
$15.4M
2 Transactions
Insiders
10
Active Traders
Avg Transaction
$2.6M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Dec 20, 2012 | AMES CARMEN HOLDING
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 960.2K | $134.4M |
| Dec 20, 2012 | IRREVOCABLE TRUST
Trustee
|
Sell | 294.0K | $41.2M |
| May 12, 2026 | HOLDING FRANK BROWN JR.
Chief Executive Officer
|
Sell | 5.3K | $10.3M |
| Jul 1, 2019 | BRISTOW CLAIRE HOLDING
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 20.0K | $9.0M |
| Jul 1, 2019 | BRISTOW PETER M
President
|
Sell | 20.0K | $9.0M |
| Jun 4, 2026 | ALEMANY ELLEN R
Director
|
Sell | 2.5K | $5.2M |
| Sep 12, 2019 | BRISTOW CLAIRE HOLDING
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 10.0K | $4.7M |
| Sep 12, 2019 | BRISTOW PETER M
President
|
Sell | 10.0K | $4.7M |
| Mar 20, 2024 | ALEMANY ELLEN R
Director
|
Sell | 3.0K | $4.7M |
| Jul 5, 2019 | BRISTOW CLAIRE HOLDING
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 10.0K | $4.6M |
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Frequently Asked Questions
What is First Citizens BancShares, Inc.'s stock price forecast for 2030?
Based on Monte Carlo simulations, First Citizens BancShares, Inc.'s stock price is projected to be $3473.06 in 2030 under a base case scenario. The downside projection is $1359.8, while the upside projection reaches $8870.54. These are statistical outcomes, not guarantees.
Is First Citizens BancShares, Inc. stock a buy right now?
First Citizens BancShares, Inc. is currently rated as a 'Hold' by Wall Street analysts, with a median price target of $2323.00, suggesting limited upside from the current price of $2090.36. The stock is trading below its short-term moving averages and shows bearish momentum, tempered by a longer-term uptrend above the 200-day SMA.
What is the consensus rating for First Citizens BancShares, Inc. stock?
The consensus rating for First Citizens BancShares, Inc. is 'Hold', supported by a Wall Street consensus score of 54 out of 100. This reflects a balanced view among the 13 analysts covering the stock.
How are First Citizens BancShares, Inc.'s recent earnings?
First Citizens BancShares, Inc. has consistently beaten EPS estimates in recent quarters, including a significant 42.16% surprise in the quarter to June 2026. However, the stock price has reacted negatively to these beats, declining after the most recent earnings release.
What are the key technical indicators for First Citizens BancShares, Inc.?
Key technical indicators show bearish short-term momentum, with the stock trading below its 50-day and 20-day SMAs and a bearish RSI reading of 34.11. The MACD also indicates weakness, though the price remains above the 200-day SMA, suggesting the long-term trend is still positive.
What is the insider sentiment for First Citizens BancShares, Inc.?
Insider sentiment for First Citizens BancShares, Inc. is currently negative, with a 'Moderate Sell Signal' indicated. Insiders have sold $15.4 million worth of stock compared to only $160.4 thousand in purchases, suggesting a lack of confidence from management.
How does First Citizens BancShares, Inc. compare to its sector peers?
First Citizens BancShares, Inc. appears attractively valued compared to its sector peers, with a lower P/E ratio of 11.21 versus the sector median of 16.5 and a lower price-to-sales ratio of 2.53 versus the sector median of 3.8. Its debt-to-equity ratio is also significantly lower than the sector average.