First Citizens BancShares Inc/NC (FCNCA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-15
$2160.42-0.62%
Close 2026-09-15 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-15
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.
Recent financial performance freshly dropped to the bottom half of its industry.
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 RiskFCNCA's growth has to keep compounding to justify the price. Recent financial performance dropped from the robust 67th to the 37th percentile of its sector. Revenue grew 41% year over year, and the last quarter beat expectations. It trades at 1.1× price-to-book versus a 1.2× peer median. The price reflects less growth than we forecast, as expectations look modest versus our view. The specific risk is that recent financial performance has weakened, which could lead to further declines. Peer multiples imply a price about 12% above where it trades. This read is provisional.
Trailing returns as of 2026-09-15. 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 Sep 2026).
Based on 5 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.
Free account required to save the handoff. No credit card.
| 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 11 valuation methods, at three horizons. As of 2026-09-15. 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.
Advances: Prudent capital allocation including debt issuance and preferred stock
Preferred offering supports prudent capital allocation strategy.
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 2026-09-15. EPS is implied from price ÷ P/E. Not investment advice.
Current $2160.42
The last 12 months of price, then the range of analyst 12-month targets from today’s $2160.42.
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.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Complete BMO Branch Acquisition in 2026-Q3
Acquisition aligns with growth objective and enhances market presence.
Advances: Complete BMO Branch Acquisition in 2026-Q3
Acquisition enhances growth and strengthens financial performance.
Advances: Maintain strong financial performance and earnings growth
Balance sheet optimization supports strong financial performance.
Advances: Prudent capital allocation including debt issuance and preferred stock
FDIC note paydown supports prudent capital allocation.
Advances: Maintain strong financial performance and earnings growth
Earnings beat indicates strong financial performance and growth.
Threatens: Maintain strong financial performance and earnings growth
Earnings margins under pressure could impact financial performance.
Partnership enhances innovation and growth potential.