Is FCCO or FCNCP more undervalued in 2026?

CirclFi compares First Community Corporation (FCCO) and First Citizens BancShares, Inc. (FCNCP) using 13 institutional-grade valuation models. FCCO has a Quality of Company score of 8.2/10 while FCNCP scores 7.6/10.

Which is a better buy — FCCO or FCNCP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FCCO and FCNCP valuations compare?

FCCO at $30.05 and FCNCP at $20.61 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FCCO vs FCNCP Valuation Comparison 2026 — Intrinsic Value Analysis

FCCO

Banks - Regional

First Community Corporation

Quality

8.2

out of 10

Value Trap

SAFE

Price

$30.05

Last close

Models

11/13

Active

FCNCP

Banks - Regional

First Citizens BancShares, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$20.61

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	FCCO Fair Value	FCCO Upside	FCNCP Fair Value	FCNCP Upside
Bayesian DCF	Intrinsic	$34.34	+14.3%	$7.45	-65.5%
Earnings Power Value	Intrinsic	$42.15	+40.3%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$47.35	+57.6%	$58.41	+183.4%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FCCO vs FCNCP — Which Stock Is More Undervalued?

FCCO scores higher with a 8.2/10 quality rating vs FCNCP's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Community Corporation (FCCO) and First Citizens BancShares, Inc. (FCNCP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FCCO currently trades at $30.05 with a QOC of 8.2/10, while FCNCP trades at $20.61 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).