First Citizens BancShares Inc (Delaware) (FCNCA) Stock Analysis
Verdict: HOLD
The model sees a post-SVB valuation reset where deep value and insider buying offset the 40% projected revenue normalization through 2026.
Investment score: 62/100
Analysis as of
Is First Citizens BancShares Inc (Delaware) stock worth reviewing? The TradeMates thesis
Consolidation phase following major SVB acquisition; attractive valuation but facing revenue normalization headwinds.
7-factor investment score
- Valuation: 72/100 (weight 20%)
- Financial Health: 55/100 (weight 15%)
- Technical Momentum: 50/100 (weight 15%)
- Earnings Quality: 68/100 (weight 15%)
- Insider Sentiment: 85/100 (weight 10%)
- Analyst Consensus: 60/100 (weight 10%)
- Risk-Adjusted Return: 58/100 (weight 15%)
First Citizens BancShares Inc (Delaware) opportunities and risks
What speaks for FCNCA
- Significant Relative Undervaluation
What speaks against FCNCA
- Revenue Normalization Shock
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| FCNCA | 10.5x | 1.6x | 9.4x | 62.8% | 15.6% | 9.6% |
| C | 13.7x | 1.3x | 39.0x | 45.5% | 9.3% | -17.2% |
| PNC | 12.6x | 2.8x | 14.0x | 71.9% | 22.5% | 7.7% |
| USB | 10.9x | 2.0x | 11.2x | 62.8% | 18.0% | 11.3% |
| FITB | 19.0x | 2.6x | 16.9x | 66.6% | 15.9% | 5.6% |
| KEY | 11.9x | 2.1x | 15.6x | 64.2% | 17.3% | 9.4% |
| Peer median | 12.6x | 2.1x | 15.6x | 64.2% | 17.3% | 7.7% |
Frequently asked questions about First Citizens BancShares Inc (Delaware) (FCNCA)
Is FCNCA stock a good investment?
The TradeMates model rates First Citizens BancShares Inc (Delaware) as HOLD with an investment score of 62/100. Consolidation phase following major SVB acquisition; attractive valuation but facing revenue normalization headwinds. This is algorithmic model output, not personal investment advice.
Is FCNCA stock a buy?
The TradeMates model verdict for FCNCA is HOLD with an investment score of 62/100. Treat this as a model signal to review, not a personal buy recommendation.