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AI 90-DAY FORECAST
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First Citizens Bancshares Inc /De/ (FCNCA) AI Forecast

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First Citizens Bancshares Inc /De/ (FCNCA) Stock Forecast Sept. 17, 2026

First Citizens Bancshares Inc /De/ (FCNCA) AI Stock Price Forecast & Investment Analysis

First Citizens Bancshares Inc /De/ Stock Price Chart and Technical Analysis

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First Citizens Bancshares Inc /De/ (FCNCA) - Comprehensive Stock Analysis & Investment Research

Deep dive into First Citizens Bancshares Inc /De/'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on September 17, 2026, 11:28 p.m. (UTC)

First Citizens Bancshares Inc /De/ Investment Summary

When evaluating whether First Citizens Bancshares Inc /De/ (FCNCA) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

First Citizens Bancshares Inc /De/ (FCNCA) operates within the Finance sector, specifically in the State Commercial Banks industry. . With a market capitalization of $24 billion, the company is a large-cap stock offering relative stability combined with growth potential.

Financial Performance Analysis

Our comprehensive financial analysis covers First Citizens Bancshares Inc /De/'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for First Citizens Bancshares Inc /De/ along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether First Citizens Bancshares Inc /De/ is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

First Citizens Bancshares Inc /De/ (Stock Symbol: FCNCA) is a prominent company operating within the Finance sector, with a specific focus on the State Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about First Citizens Bancshares Inc /De/'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for First Citizens Bancshares Inc /De/...

Sector & Industry Analysis

In-depth sector dynamics and industry context for First Citizens Bancshares Inc /De/...

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Revenue & Growth Analysis

First Citizens Bancshares Inc /De/ generates annual revenues of $10 billion , indicating a well-established business with proven market demand.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for First Citizens Bancshares Inc /De/...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for First Citizens Bancshares Inc /De/...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for First Citizens Bancshares Inc /De/...

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Strategic Market Position

First Citizens Bancshares Inc /De/ strategically competes in the highly dynamic State Commercial Banks marketplace. As a large-cap market participant, the company has established significant competitive advantages and market presence. Large-cap companies typically benefit from brand recognition, operational scale, diverse revenue streams, and the financial resources to invest in research and development, marketing, and strategic acquisitions. This size category attracts substantial institutional ownership and analyst coverage.

Industry Competitive Landscape

First Citizens Bancshares Inc /De/ competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company demonstrates exceptional operational efficiency through free cash flow generation of $2 billion annually , with year-over-year cash flow growth of 3.7%. This substantial cash generation capability provides significant strategic flexibility for acquisitions, share repurchases, dividend growth, or debt reduction—all while maintaining operational investments necessary to defend market position.

Asset Utilization Efficiency

Asset turnover ratio of 0.04x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

First Citizens Bancshares Inc /De/ (FCNCA) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for First Citizens Bancshares Inc /De/ stock analysis.

Deep dive into First Citizens Bancshares Inc /De/'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if First Citizens Bancshares Inc /De/ stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For First Citizens Bancshares Inc /De/: With a P/E ratio of 10.17, the market sees the stock as potentially undervalued.

P/E Ratio 10.17x
P/B Ratio 1.09x
Market Cap $23.95B
Dividend Yield 0.77%
EPS $186.56
Book Value/Share $1939.23
Revenue/Share $851.40
FCF/Share $217.57
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently First Citizens Bancshares Inc /De/ converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For First Citizens Bancshares Inc /De/: An ROE of 10.8% shows good shareholder value creation.

ROE 10.8%
ROA 1.0%
Net Margin 24.5%
EBT Margin 32.8%
Tax Rate 25.5%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess First Citizens Bancshares Inc /De/'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For First Citizens Bancshares Inc /De/:

D/E Ratio 9.81x
Financial Leverage 10.81x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal First Citizens Bancshares Inc /De/'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For First Citizens Bancshares Inc /De/: Free cash flow of $2457M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $3.18B
Free Cash Flow $2.46B
Capital Spending -$724M
OCF Growth YoY 3.7%
FCF Growth YoY -5.7%
FCF/Sales 25.6%
CapEx/Sales 7.5%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively First Citizens Bancshares Inc /De/ uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For First Citizens Bancshares Inc /De/: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x
Fixed Assets Turnover 3.9x
Understanding Financial Statement Data

What these metrics mean: Key figures from First Citizens Bancshares Inc /De/'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For First Citizens Bancshares Inc /De/: With annual revenue of $9615M, First Citizens Bancshares Inc /De/ operates at significant scale.

Income Statement
Total Revenue $9.62B
Net Income $2.35B
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 1519%
Total Liabilities 214942%
Dividend & Shareholder Information
Dividends Per Share $16.38
Payout Ratio 0.0%
Shares Outstanding 11M
Growth Metrics (YoY)
Net Income Growth 24.5%
EPS Growth 8.8%

Latest First Citizens Bancshares Inc /De/ Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting First Citizens Bancshares Inc /De/ (FCNCA) stock price and investment outlook.

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Where FCNCA sits on the market map

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First Citizens Bancshares Inc /De/ Competitors & Peer Analysis - Finance Sector

Comparative analysis of First Citizens Bancshares Inc /De/ against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast (Alpha) Market Cap (USD M) P/E Ratio P/B Ratio
ABCB ██% $5.57B 14.8x 1.4x
ACNB ██% $651M 11.9x 1.5x
ALLY ██% $12.35B 8.5x 0.8x
AMAL ██% $1.41B 12.4x 1.7x
ASB ██% $5.64B 11.2x 1.0x
AUB ██% $5.57B 11.4x 1.1x
AUBN ██% $91M 10.9x 1.0x
AVBH ██% $344M x 1.2x
BAFN ██% $249M x 2.2x
BANR ██% $2.41B 11.6x 3.6x
BBD ██% N/A x x
BCML ██% $328M 25.1x 1.0x
BFST ██% $1.00B 10.8x 1.0x
BHB ██% $676M 13.7x 1.2x
BKSC ██% $105M 10.5x 2.5x
BMRC ██% $460M x 1.2x
BNS ██% $116.21B x x
BOH ██% $2.94B 12.5x 1.6x
BOTJ ██% $124M 10.8x 1.5x
BPOP ██% $10.27B 10.6x 1.6x
BPRN ██% $293M 11.3x 1.1x
BRBS ██% $353M 37.6x 1.3x
BSPA ██% $88M x 0.9x
BSRR ██% $523M 11.6x 1.4x
BSVN ██% $518M 12.3x 1.9x
BUSE ██% $2.49B 10.8x 1.0x
BWB ██% $582M 10.3x 1.1x
BWFG ██% $532M 12.4x 1.6x
BY ██% $1.70B 11.4x 1.3x
CATY ██% $4.14B 11.9x 1.4x
CBAN ██% $447M 13.7x 1.2x
CBC ██% $7.68B 17.9x 2.0x
CBFV ██% $189M 26.2x 1.2x
CBK ██% $451M 7.9x 1.5x
CBSH ██% $8.24B 14.1x 3.3x
CCB ██% $703M x 1.5x
CCBG ██% $858M 14.2x 1.5x
CCFN ██% $324M 11.4x 1.6x
CCNE ██% $1.01B 10.5x 1.2x
CFFI ██% $308M 10.6x 1.1x
CFG ██% $28.38B 13.4x 1.1x
CHMG ██% $403M 12.0x 1.5x
CIVB ██% $566M 10.4x 1.4x
CIZN ██% N/A x x
CNOB ██% $1.72B 10.7x 1.1x
COFS ██% $499M 9.1x 1.0x
COLB ██% $8.47B 11.9x 1.1x
COSO ██% $326M 10.0x 1.2x
CPF ██% $962M 11.6x 1.6x
CSBB ██% $200M 13.1x 1.5x
CTBI ██% $1.38B 12.8x 1.6x
CUBI ██% $2.63B 9.0x 1.2x
CVBF ██% $4.01B 19.4x 1.3x
CZFS ██% $391M 9.5x 1.5x
CZNC ██% $466M 18.6x 1.4x
DAAQ ██% $241M 42.6x x
DB ██% $74.31B x x
EBMT ██% $175M 10.9x 0.9x
EFSC ██% $2.25B 11.8x 1.1x
EFSI ██% $248M 13.3x 1.3x
EGBN ██% $860M x 0.8x
EMYB ██% $164M 10.8x 1.3x
EQBK ██% $1.01B 28.2x 1.2x
EWBC ██% $17.23B 11.9x 1.9x
FBIZ ██% $598M 10.8x 1.5x
FBK ██% $2.71B 13.8x 1.4x
FBNC ██% $2.59B 19.4x 1.5x
FBP ██% $4.20B 11.3x 2.1x
FCBC ██% $887M 15.0x 1.7x
FCCO ██% $316M 13.7x 1.4x
FCNCA ██% $23.95B 10.2x 1.1x
FFIN ██% $4.71B 17.5x 4.5x
FHB ██% $3.12B 10.9x 1.1x
FIBK ██% $3.54B 10.9x 1.1x
FITB ██% $47.53B 20.3x 1.4x
FKYS ██% $119M 15.1x 1.0x
FMBH ██% $1.33B 13.3x 1.2x
FMBM ██% $145M 10.0x 1.3x
FMNB ██% $929M 14.0x 1.2x
FOTB ██% N/A x x
FRAF ██% $286M 11.6x 1.6x
FRBT ██% N/A x x
FRST ██% $391M 5.2x 0.9x
FSBC ██% $1.10B 15.2x 2.3x
FUSB ██% $91M 11.7x 0.9x
FVCB ██% $326M 12.6x 1.2x
FXNC ██% $279M 12.9x 1.4x
GABC ██% $1.85B 13.0x 1.5x
GBCI ██% $5.85B 18.8x 1.4x
GBFH ██% $285M 15.4x 1.7x
GLBZ ██% $13M 151.4x 0.7x
GSBC ██% $863M 12.8x 1.3x
HBIA ██% $814M 10.8x 1.5x
HBNC ██% $1.00B x 1.4x
HBT ██% $1.31B 16.9x 1.7x
HNVR ██% $187M 19.7x 0.9x
HOMB ██% $5.95B 12.4x 1.3x
HTH ██% $2.22B 13.7x 1.0x
HWC ██% $5.98B 14.0x 1.4x
IBCP ██% $810M 11.3x 1.5x
IBOC ██% $4.41B 10.7x 1.3x
INBK ██% $241M x 0.7x
INDB ██% $3.91B 14.4x 1.1x
ISBA ██% $291M 14.6x 1.2x
ISTR ██% $418M 12.4x 1.0x
JMSB ██% $326M 13.3x 1.2x
LKFN ██% $1.49B 13.4x 1.9x
LOB ██% $1.77B x 1.4x
MBIN ██% $2.42B 9.0x 1.0x
MBWM ██% $1.05B 11.0x 1.4x
MCB ██% $1.11B 12.8x 1.2x
MCBS ██% $1.01B 12.7x 1.8x
MCHB ██% N/A x x
MNSB ██% $178M 10.3x 0.8x
MPB ██% $934M 13.7x 1.0x
MSBI ██% $692M x 1.2x
MTB ██% $32.64B 10.8x 1.2x
MVBF ██% $401M 36.8x 1.2x
NPB ██% $576M 6.4x 0.9x
NTRS ██% $32.32B 14.4x 2.4x
NWFL ██% $380M 13.2x 1.8x
NWPP ██% $113M 9.3x 1.3x
OBK ██% $1.65B 16.6x 2.6x
OBNK ██% N/A x x
OBT ██% $513M 10.8x 1.7x
OFG ██% $2.22B 10.1x 1.6x
OPBK ██% $230M 7.9x 1.0x
ORRF ██% $826M 9.6x 1.3x
OSBC ██% $1.27B 13.8x 1.4x
OSBK ██% $55M x 2.4x
OVBC ██% $211M 14.9x 1.2x
OVLY ██% $289M 12.3x 1.3x
PB ██% $8.45B 15.0x 1.0x
PBHC ██% $106M 740.7x 0.9x
PCB ██% $390M 9.3x 1.0x
PEBK ██% $241M 12.1x 1.5x
PEBO ██% $1.42B 12.1x 1.7x
PFBX ██% $111M 29.9x 1.1x
PKBK ██% $405M 8.9x 1.2x
QCRH ██% $1.65B 11.7x 1.4x
QNBC ██% $223M 16.7x 1.2x
RBB ██% $451M 10.2x 0.8x
RBCAA ██% $1.85B 14.4x 1.6x
RMBI ██% $265M 22.0x 1.8x
RNST ██% $3.70B 11.8x 1.0x
RRBI ██% $670M 14.6x 1.7x
SBCF ██% $3.27B 20.2x 1.2x
SBFG ██% $183M 10.9x 1.5x
SBSI ██% $945M 12.4x 1.1x
SFBS ██% $4.51B 14.1x 2.3x
SFDL ██% $126M 9.2x 0.6x
SLBK ██% $163M 9.0x 1.4x
SPFI ██% $822M 12.6x 1.3x
SRCE ██% $2.07B 12.1x 1.6x
SSB ██% $10.07B 10.6x 1.1x
STBA ██% $1.76B 12.5x 1.3x
STLE ██% N/A x x
STT ██% $50.24B 14.5x 1.8x
SYBT ██% $2.46B 16.4x 2.0x
TCBI ██% $4.14B 11.4x 1.1x
TCBK ██% $1.71B 12.6x 1.3x
TFIN ██% $1.52B 39.3x 1.6x
THFF ██% $914M 10.8x 1.4x
TMP ██% $1.40B 8.0x 1.5x
TRST ██% $977M 15.0x 1.5x
TYFG ██% $192M 10.3x 1.2x
UBCP ██% $88M 11.0x 1.2x
UBSI ██% $6.45B 12.5x 1.2x
UCB ██% $4.20B 11.1x 1.1x
UNB ██% $117M 9.6x 1.3x
UNTY ██% $595M 10.2x 1.6x
USCB ██% $424M 14.7x 2.0x
UVSP ██% $1.18B 12.0x 1.2x
UWHR ██% $103M 8.2x 1.5x
WAL ██% $8.49B 8.6x 1.1x
WASH ██% $748M 13.5x 1.4x
WTBA ██% $502M 13.1x 1.8x
WTFC ██% $10.00B 11.1x 1.3x
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Frequently Asked Questions - First Citizens Bancshares Inc /De/ Stock Forecast

How accurate are First Citizens Bancshares Inc /De/ stock predictions?

Our AI model shows a 27% Spearman correlation coefficient for FCNCA predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence First Citizens Bancshares Inc /De/ stock price forecasts?

Our analysis considers First Citizens Bancshares Inc /De/'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is First Citizens Bancshares Inc /De/ a good investment in 2026?

Based on our AI analysis, First Citizens Bancshares Inc /De/ shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are First Citizens Bancshares Inc /De/ forecasts updated?

First Citizens Bancshares Inc /De/ stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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