Is FCNCO or FFIC more undervalued in 2026?

CirclFi compares First Citizens BancShares, Inc. (FCNCO) and Flushing Financial Corporation (FFIC) using 13 institutional-grade valuation models. FCNCO has a Quality of Company score of 8.2/10 while FFIC scores 7.8/10.

Which is a better buy — FCNCO or FFIC?

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 FCNCO and FFIC valuations compare?

FCNCO at $21.39 and FFIC at $15.96 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FCNCO vs FFIC Valuation Comparison 2026 — Intrinsic Value Analysis

FCNCO

Banks - Regional

First Citizens BancShares, Inc.

Quality

8.2

out of 10

Value Trap

—

Price

$21.39

Last close

Models

2/13

Active

FFIC

Banks - Regional

Flushing Financial Corporation

Quality

7.8

out of 10

Value Trap

SAFE

Price

$15.96

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	FCNCO Fair Value	FCNCO Upside	FFIC Fair Value	FFIC Upside
Bayesian DCF	Intrinsic	—	—	$4.83	-69.7%
Earnings Power Value	Intrinsic	—	—	$0.51	-96.8%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$66.49	+210.8%	$10.65	-33.3%
PWERM	Option-Based	$0.23	-99.0%	—	—
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FCNCO vs FFIC — Which Stock Is More Undervalued?

FCNCO scores higher with a 8.2/10 quality rating vs FFIC's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Citizens BancShares, Inc. (FCNCO) and Flushing Financial Corporation (FFIC) 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.

FCNCO currently trades at $21.39 with a QOC of 8.2/10, while FFIC trades at $15.96 with a QOC of 7.8/10.

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).