$1,990.51
18.52 (-0.92%)
Last updated: May 31, 2026 06:49
Fundamentals Overview
First Citizens BancShares, Inc. is in the middle of its 52-week range with low valuation, trading relatively flat today.
Valuation low
Intrinsic value (DCF)
+800.5% upside vs price
Profitability
Risk (Beta)
0.63 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +800.5% upside vs price · Analyst grade: B+
Pressures (Sell):
Sentiment weakening (2 downgrades) · 3M vs S&P 500: -9.4%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 5, Equal Weight: 5, Hold: 4, Neutral: 10, Outperform: 3, Overweight: 3.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $17,925.27; current price is $1,990.51. That’s a +800.5% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 10.52 |
| DCF value (model) | $17,925.27 (800.5% upside) |
| PEG (TTM) | N/A |
| P/B (TTM) | 1.08 |
| P/S (TTM) | 1.6 |
| P/FCF (TTM) | 10.37 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.15 |
| Quick Ratio (TTM) | 0.15 |
| Cash Ratio (TTM) | 0.14 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 15.62% |
| Gross margin (TTM) | 62.84% |
| Operating margin (TTM) | 20.93% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FCNCA.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| TD Cowen | maintain | Buy | Buy | 2026-04-27 |
| JP Morgan | maintain | Neutral | Neutral | 2026-04-24 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2026-04-09 |
| JP Morgan | downgrade | Overweight | Neutral | 2026-04-01 |
| Piper Sandler | maintain | Neutral | Neutral | 2026-01-29 |
| Truist Securities | maintain | Hold | Hold | 2026-01-27 |
| Citigroup | maintain | Neutral | Neutral | 2026-01-26 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-01-26 |
| TD Cowen | maintain | Buy | Buy | 2026-01-26 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-01-05 |
| Citigroup | maintain | Neutral | Neutral | 2025-12-30 |
| JP Morgan | maintain | Overweight | Overweight | 2025-12-16 |
| UBS | maintain | Buy | Buy | 2025-11-05 |
| Truist Securities | maintain | Hold | Hold | 2025-10-28 |
| Citigroup | maintain | Neutral | Neutral | 2025-10-27 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-10-24 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-10-24 |
| Piper Sandler | maintain | Neutral | Neutral | 2025-10-24 |
| Goldman Sachs | maintain | Buy | Buy | 2025-10-06 |
| Truist Securities | maintain | Hold | Hold | 2025-10-03 |
| Piper Sandler | downgrade | Overweight | Neutral | 2025-07-28 |
| Citigroup | maintain | Neutral | Neutral | 2025-07-02 |
| JP Morgan | maintain | Overweight | Overweight | 2025-07-01 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-04-25 |
| Goldman Sachs | maintain | Buy | Buy | 2025-03-18 |
| Piper Sandler | upgrade | Neutral | Overweight | 2025-03-11 |
| Truist Securities | maintain | Hold | Hold | 2025-01-29 |
| Piper Sandler | maintain | Neutral | Neutral | 2025-01-27 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-01-27 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-01-27 |