First Citizens BancShares Inc/NC (FCNCA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$2304.72-1.16%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
Research Workspace
Put FCNCA beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue is contracting — down about 6% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskFirst Citizens BancShares needs to keep compounding its net interest income to justify the price. The company raised its 2026 net interest income outlook to $6.68B-$6.75B. Q3 2026 adjusted EPS of $55.37 beat consensus by 18.8%. The stock trades at 1.2x book value, matching the peer median. The price reflects less growth than we forecast. Reported profits are not well backed by cash. Peer multiples imply a price about 4% above where it trades (it looks cheap on this basis). Our read remains intact. This read is provisional.
Trailing returns as of 2026-11-05. FCNCA is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 13 analysts currently covering FCNCA (as of Nov 2026).
Based on 4 Wall Street analysts offering 12-month price targets for FCNCA in the last 4 months.
Continue this research
Compare FCNCA with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| FCNCA Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-11-05. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put FCNCA next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Threatens: Maintain strong financial performance and earnings growth
Funding concerns threaten earnings performance, though an analyst downgrade alone does not establish a fundamental deterioration.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-11-05. EPS is implied from price ÷ P/E. Not investment advice.
Current $2304.72
The last 12 months of price, then the range of analyst 12-month targets from today’s $2304.72.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Maintain strong financial performance and earnings growth
Raised 2026 net interest income guidance signals stronger earnings, while FDIC note prepayments affect funding costs.
Advances: Maintain strong financial performance and earnings growth
Strong quarterly results support earnings-growth objective, though a flat share reaction limits incremental thesis impact.
Advances: Maintain strong financial performance and earnings growth
Q3 earnings beat supports performance objective; substantial buyback advances capital allocation.
Advances: Maintain strong financial performance and earnings growth
Reported earnings and revenue beats affirm strong financial performance.
Advances: Prudent capital allocation including share repurchases and debt management
Company-reported Q3 results and additional repurchase plan support performance and capital allocation.
Advances: Prudent capital allocation including share repurchases and debt management
Q3 estimates beat and $1.2 billion buyback support earnings and repurchase objectives.
Advances: Prudent capital allocation including debt issuance and preferred stock
Preferred offering supports prudent capital allocation strategy.
