FCNCA trades 12.3% below Wall Street's consensus target of $2289.83.
Last 12 months price action with 12-month analyst target path
The base valuation assumes FCNCA achieves its forward estimates and maintains a stable P/E multiple of 10.5x. This scenario reflects the blended consensus of 11 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, First Citizens BancShares, Inc. (FCNCA) has a Wall Street consensus price target of $2289.83, based on estimates from 11 covering analysts. With the stock currently trading at $2039.32, this represents a potential upside of +12.3%. The company has a market capitalization of $23.23B.
Analyst price targets range from a low of $2050.00 to a high of $2376.00, representing a 14% spread in expectations. The median target of $2331.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 2 analysts rating the stock as a Buy or Strong Buy,9 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, FCNCA trades at a trailing P/E of 12.3x and forward P/E of 10.5x. The forward PEG ratio of 0.37 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -4.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $2600.77, with bear and bull scenarios of $1638.48 and $3426.77 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 HBANHuntington Bancshares Incorporated | $31.1B | $15.38 | $20.11 | +30.8% | Hold | 11.2x | 49 |
 CFGCitizens Financial Group, Inc. | $27.3B | $64.61 | $80.40 | +24.4% | Buy | 12.2x | 38 |
 RFRegions Financial Corporation | $23.4B | $27.39 | $33.11 | +20.9% | Hold | 10.4x | 52 |
 FITBFifth Third Bancorp | $46.8B | $51.69 | $62.13 | +20.2% | Buy | 16.9x | 51 |
 KEYKeyCorp | $21.8B | $20.24 | $25.38 | +25.4% | Buy | 11.1x | 51 |
 CMAComerica Incorporated | $11.3B | $88.67 | $80.36 | -9.4% | Hold | 16.5x | 62 |
 ZIONZions Bancorporation, National Association | $9.1B | $62.65 | $76.73 | +22.5% | Hold | 7.8x | 51 |
 WALWestern Alliance Bancorporation | $8.3B | $75.60 | $86.00 | +13.8% | Buy | 8.4x | 24 |
 BOKFBOK Financial Corporation | $7.9B | $130.58 | $149.00 | +14.1% | Hold | 12.3x | 21 |
 FHNFirst Horizon Corporation | $10.9B | $23.02 | $28.07 | +21.9% | Hold | 10.7x | 35 |
Quick answers to the most common questions about buying FCNCA stock.
First Citizens BancShares, Inc. (FCNCA) has a consensus 12-month price target of $2289.83, implying 12.3% upside from $2039.32. The 11 analysts covering FCNCA see moderate appreciation potential.
FCNCA has a consensus rating of "Hold" based on 11 Wall Street analysts. The rating breakdown is mixed, with 9 Hold ratings making up the largest segment. The consensus 12-month price target of $2289.83 implies 12.3% upside from current levels.
With a forward P/E of 10.5014x, FCNCA trades at a relatively low valuation. The consensus target of $2289.83 implies 12.3% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $2376 for FCNCA, while the most conservative target is $2050. The consensus of $2289.83 represents the median expectation. Our quantitative valuation model projects a bull case target of $3427 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
FCNCA is moderately covered, with 11 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 9 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month FCNCA stock forecast based on 11 Wall Street analysts shows a consensus price target of $2289.83, with estimates ranging from $2050 (bear case) to $2376 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $2601, with bear/bull scenarios of $1638/$3427.
Our quantitative valuation model calculates FCNCA's fair value at $2601 (base case), with a bear case of $1638 and bull case of $3427. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 49/100.
FCNCA trades at a forward P/E ratio of 10.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on FCNCA, with a "Hold" consensus rating and $2289.83 price target (12.3% upside). 2 of 11 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
FCNCA analyst price targets range from $2050 to $2376, a 14% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $2289.83 consensus represents the middle ground. Our model's $1638-$3427 range provides an independent fundamental perspective.
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.