FCNCA

First Citizens BancShares, Inc.

Financial Services · $23.9B market cap

Share price

$2,073.46

close of Oct 3, 2026

Fair value

$8,309.46

Sticker Price

Payback Price

$3,323.78

buy price

On Sale

FCNCA is On Sale: at $2,073.46 it trades 38% below its buy price (Payback Price) of $3,323.78 and 75% below its fair value of $8,309.46. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth20.8% a year✓

Equity per share growth12.0% a year✓

Sales growth9.7% a year✗

Free cash flow growth18.7% a year✓

Return on invested capital8.2%✗

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Superinvestors

4 of the investors we track hold FCNCA. In Q1 2026, 1 added. Who we track

Bill Nygren

Oakmark Funds · as of Q2 2026

$1.9B

919,347 shares

Dodge & Cox Funds

Dodge & Cox Funds · as of Q2 2026

$841.1M

404,215 shares

Steven Check

Check Capital Management · as of Q2 2026

$92.3M

44,353 shares

David Einhorn

Greenlight Capital · as of Q4 2023

$35.2M

24,820 shares

Moves in Q1 2026

Added: Dodge & Cox Funds

Insider activity

Since Aug 19, 2026: 2 open-market purchases worth $108K. Why purchases matter

Purchases

Morais Diane E.

director · 2026-08-19

Bought

$100K

Morais Diane E.

director · 2026-08-19

Bought

$9K

About First Citizens BancShares, Inc.

First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is…

Banks - Regional