NASDAQ: FCNCA

First Citizens BancShares (FCNCA) Stock Analysis & Forecast

Sep 28 close

$2,098.23+7.87 (+0.4%)
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Gekko Brief

First Citizens BancShares closed at $2,098.23 on 28 September 2026, +0.4% on the day. The price sits between the 50-day ($2,168.13) and 200-day ($2,060.93) moving averages, inside a 52-week range of $1,623.76 to $2,296.30. The GekkoIndex reads 62.2, in the Accumulation zone, down 1.7 points over five sessions. Gekko Fair Value is $2,236.63, so the price is 6.2% below it.

The next earnings report is due on 22 October 2026, 23 days away (before open). Over the last 8 reports the company beat the earnings estimate 6 times, with an average move of 4.3% across the report. Smart-money activity over the last 90 days includes 1 open-market insider purchase. Seasonally, the next 20 trading days from this point averaged +2.1% over the last 5 years, rising in 2 of them.

9 firms rate the stock: 1 buy, 8 hold and 0 sell, with a consensus target of $2,339.38. A typical daily move is about 2.4%, and a typical 20-day move about 5.4%. On the swing-trade checklist, 3 items read supportive and 1 reads as a headwind (earnings risk).

Generated Sep 29, 2026 from the data above.

First Citizens BancShares price vs fair value

$2,237$2,098Sep ’25Mar ’26Sep ’26
Close $2,098.23200-day averageGekko Fair Value $2,236.63

First Citizens BancShares quick facts

Market cap
$23.90B
P/E ratio
11.2
Forward P/E
10.8
EPS, TTM
$186.46
Revenue, TTM
$9.33B
Profit margin
25.2%
Dividend yield
0.40%
Beta
0.60
Volume
65,788 avg 68,721
1-year return
+12.5%
Typical daily move
±2.4%
Typical 20-day move
±5.4%
50-day average
$2,168.13
200-day average
$2,060.93
Next earnings
Oct 22 before open
Shares outstanding
10.29M
52-week range
$1,623.76$2,296.30

First Citizens BancShares swing-trade checklist

First Citizens BancShares scores 3 supportive, 1 mixed and 2 headwinds across the 6 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive1 mixed2 headwinds

  • Trendmixed

    Averages disagree

    Close $2098.23 sits between the 50-day ($2168.13) and 200-day ($2060.93) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    62.2, Accumulation

    Reading 62.2 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    6.2% below

    Price is 6.2% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneysupportive

    Leans bullish

    Last 90 days: 1 open-market insider purchase.

    See smart money
  • Earnings riskheadwind

    Reports in 23 days

    Reports on Oct 22, 2026, 23 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalityheadwind

    −1.3% on average

    From this point in the calendar, the next 20 trading days averaged −1.3% over 5 years, rising in 1 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

First Citizens BancShares stock chart and price history

First Citizens BancShares closed at $2,098.23 on Sep 28, 2026, +12.5% over the past year, inside a 52-week range of $1,623.76 to $2,296.30.

5Y and weekly in Gekko
Close50-day average200-day averageVolume
First Citizens BancShares share price, past year, with 50-day and 200-day moving averages and volume$1600$1800$2000$2200NovDecJan 2026FebMarAprMayJunJulAugSep2098.23

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−2.9%
3 months
+0.9%
6 months
+14.3%
1 year
+12.5%
The full FCNCA chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FCNCA in Gekko

Follow First Citizens BancShares through every session

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About First Citizens BancShares

First Citizens BancShares is the holding company behind First-Citizens Bank & Trust Company, which serves individuals, businesses, and professionals with everyday banking products. Customers can open checking, savings, money market, and time deposit accounts, and borrow through a wide range of loans, including commercial construction and land loans, commercial mortgages, industrial financing, lease financing, and personal loans covering mortgages, auto purchases, and other consumer needs. It has also extended SBA Paycheck Protection Program loans.

Beyond lending and deposits, the bank offers treasury management, card and merchant processing, and wealth management services such as annuities, brokerage access, third-party mutual funds, investment advisory work, retirement plans, insurance, private banking, trust administration, philanthropic guidance, and special asset handling. These services reach customers through a branch network, digital and telephone banking, and ATMs, with branches spread across nineteen states including North Carolina, California, Texas, and Florida.

Founded in 1898, First Citizens BancShares is headquartered in Raleigh, North Carolina, and its shares are listed on the NASDAQ under the ticker FCNCA.

Listed
NASDAQ
Sector
Finance
Industry
Regional banks
Website
firstcitizens.com

First Citizens BancShares GekkoIndex: the smart money zone

First Citizens BancShares’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 62.2, in the Accumulation zone, down 1.7 points over five sessions.

010062.2Accumulation

Down 1.7 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying22+2.1%+3.9%+1.9%+5.2%
Accumulation (current zone)192+0.3%+0.8%+2.9%+6.9%
Neutral412+0.2%+0.5%+0.9%+2.5%
Distribution40+2.3%+2.4%+0.9%−2.8%
Selling6Too few readings yet

Average FCNCA share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the FCNCA price, zone by zone.Track FCNCA in Gekko

Is First Citizens BancShares stock overvalued? Gekko Fair Value

First Citizens BancShares trades 6.2% below Gekko Fair Value of $2,236.63, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what First Citizens BancShares shares are worth, recalculated every trading day.

$2,236.63

Gekko Fair Value, Sep 29, 2026

6.2% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open FCNCA in Gekko

First Citizens BancShares insider and Congress trading

Insiders filed 1 open-market purchase in First Citizens BancShares worth $100K, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

$100Kin 1 open-market purchase

FiledInsiderTypeSharesValue
Aug 20Morais Diane E.
director		Purchase46$100K

From Form 4 filings, dated to when each was filed.

Congress trades last 90 days

No trades in FCNCA were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for FCNCA, plotted on the chart in Gekko.Open FCNCA in Gekko

Buybacks

First Citizens BancShares has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026
$606.0M
As a share of market cap
2.54%
Trailing four quarters
$3.30B

From company filings.

Hedge funds and billionaires quarter ended Mar 31

1of the funds Gekko tracks holds FCNCA.

0added0opened1trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko

First Citizens BancShares earnings: next date and track record

First Citizens BancShares reports on Oct 22, 2026, before the open (23 days away), and beat the EPS estimate in 6 of its last 8 reports.

6 of 8reports beat the EPS estimate
±4.3%average move across the report
3 of 8reports followed by a gain

Share-price move across each report

−9.6%Oct ’24−1.5%Jan ’25+0.4%Apr ’25−3.0%Jul ’25+1.9%Oct ’25−8.6%Jan ’26−5.6%Apr ’26+4.0%Jul ’26

Last earnings call, Jul 23, 2026 AI summary

What they said
FCNCA reported Q2 2026 adjusted net income of $691M and adjusted EPS of $57.09, with ROE of 12.94% and ROA of 1.18%, both up over 20% sequentially. Loan growth of 1.6% and deposit growth of 1.5% were driven by Global Fund Banking, Tech & Healthcare, and Middle Market verticals. The company returned $600M via share repurchases and prepaid $2.5B of the FDIC purchase money note, bringing cumulative prepayments to $8.5B.
Guidance
Management reaffirmed 2026 outlook with NII expected to grow in line with prior guidance. Strong credit performance, disciplined expense management, and healthy client activity are expected to drive positive operating leverage for the remainder of the year.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 23, 2026$57.09
est $40.45		+41.1%$2.24B
est $2.16B		+3.6%+4.0%
Apr 23, 2026$44.86
est $39.23		+14.4%$2.24B
est $2.17B		+3.2%−5.6%
Jan 23, 2026$51.27
est $43.79		+17.1%$2.38B
est $2.21B		+7.9%−8.6%
Oct 23, 2025$44.62
est $41.87		+6.6%$2.43B
est $2.22B		+9.6%+1.9%
Jul 25, 2025$44.78
est $39.71		+12.8%$2.37B
est $2.18B		+8.7%−3.0%
Apr 24, 2025$37.79
est $37.91		−0.3%$2.29B
est $2.19B		+4.8%+0.4%
Jan 24, 2025$45.10
est $39.11		+15.3%$2.40B
est $2.24B		+7.0%−1.5%
Oct 24, 2024$45.87
est $47.50		−3.4%$2.44B
est $2.39B		+2.2%−9.6%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

First Citizens BancShares stock forecast and analyst price targets

Analysts’ average 12-month price target for First Citizens BancShares is $2,339.38, +11.5% from the last close, from 9 firms rating the stock in the last 90 days.

$2,339.38consensus 12-month target, +11.5% from the last close
Low $2,100High $2,450
Buy1
Hold8
Sell0

Each firm’s latest rating in the last 90 days: 9 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Sep 14UBSHold, downgraded$2,250+7.2%
Aug 10BarclaysHold, maintained$2,376+13.2%
Jul 31J.P. MorganHold, reiterated$2,450+16.8%
Jul 28TD CowenBuy, maintained$2,430+15.8%
Jul 28Truist FinancialHold, maintained$2,323+10.7%
+2.9%average 20-day move after past Accumulation readings
−1.3%average move over the next 20 trading days in the last 5 years
±2.4%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

First Citizens BancShares seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, First Citizens BancShares averaged −1.3% across the last 5 years, rising in 1 of them.

Next 20 trading days, by year

−5.7%2021−0.1%2022−2.3%2023+4.6%2024−0.7%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+1.2%2 of 5
Next 10 trading days+1.6%2 of 5
Next 15 trading days+2.3%2 of 5
Next 20 trading days−1.3%1 of 5
Next 30 trading days+4.6%4 of 5

For scale, FCNCA’s typical 20-trading-day move in either direction is about 5.4%.

First Citizens BancShares market cap and key statistics

First Citizens BancShares’s market cap is $23.90B, with a P/E ratio of 11.2 and revenue of $9.33B over the last twelve months.

Valuation

Market cap
$23.90B
P/E ratio
11.2
Forward P/E
10.8
EPS, TTM
$186.46
Gekko Fair Value
$2,236.63

Trading

Volume
65,788
Avg volume, 20 days
68,721
52-week high
$2,296.30
52-week low
$1,623.76
Shares outstanding
10.29M

Financials

Revenue, TTM
$9.33B
Profit margin
25.2%
Return on equity
10.6%
Quarterly earnings growth, YoY
+31.0%

Risk and income

Beta
0.60
Typical daily move
±2.4%
Typical 20-day move
±5.4%
Dividend yield
0.40%

First Citizens BancShares peers

First Citizens BancShares’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce−0.2%Accumulation4.8% below
USBU.S. Bancorp−0.6%Accumulation10.5% below
NUNu−2.4%Buying23.9% below
TFCTruist Financial−1.0%Buying10.2% below
FITBFifth Third Bancorp−0.5%Accumulation11.5% below
MTBM&T Bank−0.3%Accumulation11.0% below

A peer links to its own page where one exists.

In the Buying zone today

BACHDPEPNVOSCHWMCD

Reporting earnings this week

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Popular on Gekko

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First Citizens BancShares stock FAQ

What is First Citizens BancShares’s market cap?

First Citizens BancShares’s market cap is $23.90B at the Sep 28, 2026 close of $2,098.23, with 10.29M shares outstanding. The shares trade on a P/E ratio of 11.2.

What is the First Citizens BancShares stock forecast?

The consensus analyst 12-month price target for First Citizens BancShares is $2,339.38, +11.5% from the last close. Of the 9 firms that rated the stock in the last 90 days, 1 rate it a buy, 8 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is First Citizens BancShares stock overvalued or undervalued?

On Gekko’s estimate First Citizens BancShares is undervalued: the Sep 28, 2026 close of $2,098.23 is 6.2% below Gekko Fair Value of $2,236.63. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does First Citizens BancShares report earnings next?

First Citizens BancShares is expected to report on Oct 22, 2026, before the market opens (23 days away). Analysts expect earnings of $45.76 per share on revenue of $2.23B. First Citizens BancShares beat the earnings estimate in 6 of its last 8 reports, moving 4.3% on average across the report.

What is First Citizens BancShares’s 52-week high and low?

First Citizens BancShares’s 52-week high is $2,296.30 and its 52-week low is $1,623.76; it closed at $2,098.23 on Sep 28, 2026, +12.5% over the past year. Over the last five years the shares peaked at $2,412.93 on Jan 24, 2025.

Is First Citizens BancShares stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and smart money), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

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