FCNCA · NASDAQ · STOCK
First Citizens BancShares, Inc.
$2,252.66
52W $1623.76 – $2289.99
68/100
$25.66B
12.0
0.62
Is FCNCA Bullish or Bearish?
Mixed.
Innellis AI committee rates First Citizens BancShares, Inc. (FCNCA) Insufficient Data with a composite score of 68/100
, based on 3 analysts with 67% agreement.
Last updated August 11, 2026.
What Would Change This View
No threshold can be published for FCNCA. The committee has not produced a scored recommendation, so there is no line for it to cross. Innellis does not infer one.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Weekly RSI at 81 -- overbought on the larger timeframe too — Technical
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 August 11, 2026
Overall Committee Score
68/100
Agreement
67%
Analysts
3
Conviction
Low Data
Sector Rank
Top 29%
of 209 Financial Services peers
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 81 -- overbought on the larger timeframe too
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
64.7
Neutral
MACD Histogram
5.170
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.83
Inside Bands
Price vs Moving Averages
EMA 9
$2,218.50
Above
EMA 21
$2,179.71
Above
EMA 50
$2,121.74
Above
EMA 200
$2,028.29
Above
Fundamental Analysis
Valuation
97
Profitability
60
Financial Health
76
Cash Flow
70
Valuation
P/E Ratio
12.0×
P/B Ratio
1.19×
PEG Ratio
1.16
Dividend Yield
0.37%
52W High
$2289.99
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
[reduced confidence: limited earnings history] P/E ratio of 12.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 1.2 (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); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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