NASD · Financial · Banks - Regional · USA
First Citizens Bancshares Inc (NC) is a large cap company (market value between $10 billion and $200 billion) in the Banks - Regional industry.
First Citizens BancShares operates banking and financial services across multiple regions of the United States. The company provides deposits, loans, and wealth management to consumers and businesses, along with lending and advisory services to middle-market enterprises. It also offers equipment leasing to railroads, investment products through subsidiaries, and a nationwide digital banking platform.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the First Citizens Bancshares Inc (NC) stock.
Slightly undervalued: intrinsic value $2315.79 per share, market price $2096.87, margin of safety 9.5% (as of 2026-10-19).
Book value at 1.35x, the multiple a 10.7% return on equity justifies, blended with earnings, values the shares at $2,315.79; the price of $2,096.87 is 9% below that value.
Leak Score: 38/100 on 11 of 12 signals (On Watch).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
106 more in this industry show a wider margin of safety.
FCNCA is slightly undervalued (as of the 2026-10-19 close). Book value at 1.35x, the multiple a 10.7% return on equity justifies, blended with earnings, values the shares at $2,315.79; the price of $2,096.87 is 9% below that value.
$2315.79 per share (as of the 2026-10-19 close), against a market price of $2096.87. That is a margin of safety of 9.5%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
38 out of 100, which we rate "On Watch", on 11 of 12 value investing signals.