ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / FCNCA / forecast
CFG (59) BBDO (44) BBD (52) RF (61) ⌘ Pro Terminal →

First Citizens BancShares Inc. (FCNCA) 12-Month Stock Forecast & Price Target Cone

$2,368.26 +0.66% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2,366.57

First Citizens BancShares Inc. (FCNCA) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $26.57B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FCNCA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FCNCA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, First Citizens BancShares Inc. (NASDAQ: FCNCA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $2,368.26 (+0.66% 1D, market cap $26.57B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FCNCA ranks #121 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FCNCA compare to CFG and BBDO in the Financials sector?
▼

Within the Financials sector (Major Banks), FCNCA carries a Roarable C+ (69/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 2.6%. By comparison, CFG (Citizens Financial Group Inc.) holds a C- grade (59/100 RQD, P/E 15.1x, ROIC 2.1%, cap $26.75B) and BBDO (Banco Bradesco Sa (each representing one Common Share)) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $27.10B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while BBD leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FCNCA?
▼

Per FCNCA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000798941), First Citizens BancShares Inc. generated $9.54B in revenue (-2.2% YoY), $2.21B in net income, and $2.21B in free cash flow against $229.70B in total assets and $93.36B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $2,366.60 (-0.07%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 23.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C+
Cash (11)Whales (17)SEC (13)Macro (14)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$2933 Bull$2485 Base$1939 Bear
📬 FREE FCNCA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCNCA)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY FCNCA SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (25% of score)

20D Institutional Volume Accumulation (±5% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (20% of score)

FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 65.3 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 27.3% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$2,055.34+4.3% Next Q
Q2 (-2Q)
64
Grade C+$2,143.91+8.7% Next Q
Q3 (-1Q)
66
Grade B-$2,329.93+1.6% Next Q
Current
69
Grade C+$2,368.26+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FCNCA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, FCNCA faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($2,162.03) or 200D SMA ($2,066.15) invalidates the momentum regime and cuts Target Base ($2,485.49) toward Bear Floor ($1,938.68).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCNCA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FCNCA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your FCNCA Position Size: $10,000

Shares at $2,368.26: 4.2 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $1,938.68
$8,186
$-1,814 (-18.1%)
12M Consensus BaseTarget $2,485.49
$10,495
+$495 (+5.0%)
12M Bull Case BreakoutTarget $2,932.88
$12,384
+$2,384 (+23.8%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$2,58574%A
Goldman SachsSector Coverage LeadBUY$2,75769%B
JP MorganUS Large-Cap ResearchHOLD$2,21258%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FCNCA Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
FCNCA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.17%📐 HORIZONTAL RANGE
2026-11-03O $2,382.5H $2,382.5L $2,352.6C $2,368.3VOL 70.0K
RES: $2,451.3SUP: $2,007.0SMA50: $2,162.0SMA200: $2,066.2
$2,467.8$2,310.9$2,154.1$1,997.2$1,840.3RES $2,451.3SUP $2,007.0$2,368.32026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCNCA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCNCA Butterfly Map → + Track FCNCA →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.8%/yr Implied 5Y Growth

vs. -2.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FCNCA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCNCA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FCNCA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCNCA)

Financials Rank #121 of 1096 ⚔️ CFG vs FCNCA Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCNCA vs. CFG, BBDO, BBD, RF)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Citizens BancShares Inc. (FCNCA) ranks #121 by composite RQD confidence (69/100, grade C+) and #103 by equity capitalization ($26.57B). Within this direct 5-issuer industry benchmark cohort, RF leads on earnings valuation at 11.4x trailing P/E, while BBD leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. FCNCA currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FCNCA ACTIVE
First Citizens BancShares Inc.
C+ 69/100 12.2x — 2.6% +0.66% $26.57B Benchmark Subject
CFG
Citizens Financial Group Inc.
C- 59/100 15.1x — 2.1% +1.76% $26.75B /cfg-vs-fcnca →
BBDO
Banco Bradesco Sa (each representing one Common Share)
D 44/100 — — — +0.41% $27.10B /bbdo-vs-fcnca →
BBD
Banco Bradesco Sa
D+ 52/100 32.8x — 9.9% +0.39% $28.55B /bbd-vs-fcnca →
RF
Regions Financial Corporation
C- 61/100 11.4x — 0.1% +1.40% $24.34B /rf-vs-fcnca →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000798941

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Citizens BancShares Inc. (FCNCA) reported GAAP revenue of $9.54B (-2.2% vs. FY2024 revenue of $9.76B , and -49.2% cumulative change since FY2023) , GAAP net income of $2.21B, operating cash flow of $2.92B, and free cash flow of $2.21B (-13.5% YoY). On the balance sheet, FCNCA closed FY2025 with $229.70B in total assets against $93.36B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $9.54B $2.21B $2.92B $2.21B $229.70B $93.36B
FY2024 (FY) 2024-12-31 $9.76B $2.78B $2.99B $2.56B $223.72B $90.67B
FY2023 (FY) 2023-12-31 $18.79B $11.47B $2.66B $1.81B $22.54B $5.28B

3. FCNCA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCNCA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Citizens BancShares Inc. (NASDAQ: FCNCA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $2,368.26 (+0.66% 1D, market cap $26.57B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, FCNCA ranks #121 in composite RQD confidence.

How does FCNCA compare to CFG and BBDO in the Financials sector?

Within the Financials sector (Major Banks), FCNCA carries a Roarable C+ (69/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 2.6%. By comparison, CFG (Citizens Financial Group Inc.) holds a C- grade (59/100 RQD, P/E 15.1x, ROIC 2.1%, cap $26.75B) and BBDO (Banco Bradesco Sa (each representing one Common Share)) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $27.10B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while BBD leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCNCA?

Per FCNCA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000798941), First Citizens BancShares Inc. generated $9.54B in revenue (-2.2% YoY), $2.21B in net income, and $2.21B in free cash flow against $229.70B in total assets and $93.36B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCNCA trading relative to its 50-day, 200-day, and 52-week technical levels?

FCNCA last traded at $2,368.26 (+0.66% on volume of 57,557 shares), positioning the stock +9.54% above its 50-day simple moving average ($2,162.03) and +14.62% above its 200-day simple moving average ($2,066.15). Across its 52-week range of $1,759.27 to $2,429.96, FCNCA sits at the 90.8% percentile with a 14-day RSI of 65.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.0% ($2,249.85 to $2,486.67).

Direct Sub-Reports: FCNCA RQD Cockpit FCNCA 12M Forecast FCNCA Earnings & Move FCNCA Dividends & DRIP FCNCA Insiders & 13F FCNCA Whale Options FCNCA Profit Sankey FCNCA News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

FCNCA — First Citizens BancShares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Citizens BancShares Inc. (FCNCA) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $2,368.26 (+0.66% 1D, market capitalization $26.57B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 2.6%, gross margin of —, operating margin of 28.2%, and free cash flow yield of 8.22%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (14/20): Incorporates a 1.09x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Citizens BancShares Inc. Is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry. Its market capitalization is $26.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Citizens BancShares Inc. (FCNCA) reported $9.54B in annual revenue (up from $9.76B in FY2024, -2.2% YoY) and $2.21B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($18.79B revenue, $11.47B net income) through FY2025, FCNCA scaled operating cash flow to $2.92B and free cash flow to $2.21B, backed by $229.70B in total assets against $93.36B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $1,759.27 – $2,429.96 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.2x trailing P/E and 26.2x EV/EBITDA against 28.2% operating margins and a 1.09x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), FCNCA carries a macro regime beta of 1.09 and gross margin of —.

  • Key Question #1: Can FCNCA sustain or expand its 28.2% operating margin and 2.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $9.54B and free cash flow of $2.21B, how will capital allocation balance growth reinvestment against $93.36B in total debt?
  • Key Question #3: How sensitive is FCNCA's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.09x)?

FCNCA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Citizens BancShares Inc. (FCNCA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FCNCA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FCNCA Bull vs. Bear Conversation Board — What's Your Call at $2,368.26?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FCNCA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FCNCA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $2,799.64 (+19.0%)
📌 Pinned Debate

Per the Roarable RQD rating, the Whale 13F Flow pillar scores 18/20 on institutional accumulation and options positioning, the stronges

Don't sleep on FCNCA's setup in Financials. Per the Roarable RQD rating, the Whale 13F Flow pillar scores 18/20 on institutional accumulation and options positioning, the strongest signal in the rating.. Beta of 1.09 means it moves fast when momentum turns, and the 5-pillar RQD gauge (69/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@SkepticalCFA Fair point on 12.2x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $1,811.53 (-23.0%)
Spot @ $2,352.64

Per the SEC financials, net income fell from $11.47B in FY 2023 to $2.21B in FY 2025 while reported debt rose from $5.28B to $933

Fading this rally in FCNCA at $2352.64. Per the SEC financials, net income fell from $11.47B in FY 2023 to $2.21B in FY 2025 while reported debt rose from $5.28B to $93.36B.. With a beta of 1.09 and the stock sitting at $2352.64 (52-wk range $1759.27–$2429.96), the easy multiple expansion is already priced in.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%