What Is First Citizens BancShares, Inc. (FCNCA) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, First Citizens BancShares, Inc. presents a highly debated valuation profile at its current price of $2,106.06. The composite intrinsic value is estimated at $4,134.68 (+96.3% average upside), masking a wide model spread between the 6 bullish models and 4 bearish models. Model dispersion is worth noting: Markov DDM targets $12,435.79 (+490.5%), versus EROIC at $92.67 (-95.6%). This +586.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About FCNCA?
11 of 13 models are currently active for FCNCA. Of these, 6 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates FCNCA's intrinsic value at $3423.78, implying +62.6% upside from the current price. See which stocks rank higher →
How Does FCNCA Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, FCNCA ranks #63 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places FCNCA in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, First Citizens BancShares, Inc. competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is FCNCA a Value Trap?
The Value Trap algorithm is not active for FCNCA. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for First Citizens BancShares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, First Citizens BancShares, Inc.'s fundamental quality profile registers 8.4/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +586.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FCNCA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FCNCA's 11 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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