FCNCA · NASDAQ · STOCK
First Citizens BancShares (FCNCA) Stock Analysis
$2,069.08
52W $1623.76 – $2296.30
60/100
$23.56B
11.1
0.58
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FCNCA Bullish or Bearish?
Bullish.
Innellis AI committee rates First Citizens BancShares, Inc. (FCNCA) Buy with a composite score of 60/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.74 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.26 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — 3 consecutive earnings beats -- consistent execution. Risk Analyst remains cautious — high leverage (debt-to-equity 1.67) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 9.7 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Debt-to-equity of 1.67 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 1.67) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
60/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 44%
of 211 Financial Services peers
Value Analyst
bullish
65
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 9.7 is inexpensive for the broad market
− Debt-to-equity of 1.67 adds balance-sheet risk to the value case
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 3 consecutive earnings beats -- consistent execution
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 1.67) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
61
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 60.3 to 60.3.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
41.5
Neutral
MACD Histogram
1.373
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$2037.17
Resistance
$2094.91
Bollinger %B
0.34
Inside Bands
Price vs Moving Averages
EMA 9
$2,077.02
Below
EMA 21
$2,095.82
Below
EMA 50
$2,118.50
Below
EMA 200
$2,065.29
Above
Fundamental Analysis
Valuation
99
Growth
80
Profitability
60
Financial Health
76
Cash Flow
70
Valuation
P/E Ratio
11.1×
P/B Ratio
1.09×
PEG Ratio
1.07
Dividend Yield
0.41%
52W High
$2296.30
52W Low
$1623.76
Quality & Growth
ROE
992.0%
ROA
96.0%
Gross Margin
6404.3%
Operating Margin
2188.3%
Revenue Growth YoY
—
Debt / Equity
1.47
AI Fundamental Assessment
P/E ratio of 11.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 1.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.9%; Return on assets of 1.0%; Net margin of 16.3%; Gross margin of 64.0%; Current ratio of 9.99 (healthy short-term liquidity); Debt-to-equity of 1.47; Free cash flow per share is positive (222.00); Most recent quarter beat estimates by 36.7%; 3 consecutive earnings beats; EPS growth accelerating (-2.1% -> +27.3% QoQ); Analyst estimates falling over recent quarters
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