Is It Too Late To Consider First Citizens BancShares (FCNC.A) After Its 3 Year 2.5x Gain?

Simply Wall St.01-11

If you are wondering whether First Citizens BancShares at around US$2,175 per share is still offering value or is already pricing in the story, you are in the right place. The stock shows returns of ...

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The stock shows returns of ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-fcnc.a/first-citizens-bancshares/news/is-it-too-late-to-consider-first-citizens-bancshares-fcnca-a\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Too Late To Consider First Citizens BancShares (FCNC.A) After Its 3 Year 2.5x Gain?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Too Late To Consider First Citizens BancShares (FCNC.A) After Its 3 Year 2.5x Gain?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-11 11:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-fcnc.a/first-citizens-bancshares/news/is-it-too-late-to-consider-first-citizens-bancshares-fcnca-a><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether First Citizens BancShares at around US$2,175 per share is still offering value or is already pricing in the story, you are in the right place. The stock shows returns of ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-fcnc.a/first-citizens-bancshares/news/is-it-too-late-to-consider-first-citizens-bancshares-fcnca-a\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0072461881.USD","symbol_name":"BGF US BASIC VALUE \"A2\" ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-fcnc.a/first-citizens-bancshares/news/is-it-too-late-to-consider-first-citizens-bancshares-fcnca-a","article_id":"2602537213","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice2-main-header/1585186648241"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-fcnc.a/first-citizens-bancshares/news/is-it-too-late-to-consider-first-citizens-bancshares-fcnca-a","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2602537213","pubTimestamp":1768101838,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether First Citizens BancShares at around US$2,175 per share is still offering value or is already pricing in the story, you are in the right place.\nThe stock shows returns of 0.8% over the last 7 days and 5.8% over the last 30 days, with 1 year returns at 5.8% and a very large 3 year gain of about 2.5x.\nRecent attention around First Citizens BancShares has focused on its role in the US banking sector, including how investors view its size and position among regional...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0072461881.USD":"BGF US BASIC VALUE \"A2\" ACC","BK4589":"SVB概念","BK4207":"综合性银行","LU0006061336.USD":"Blackrock US Small and MidCap Opportunities A2 USD","BK4211":"区域性银行","FCNCA":"第一公民银行股份","LU0162691827.USD":"BGF US BASIC VALUE \"A4\" INC"},"translate_title":"First Citizens BancShares(FCNC.A)在3年2.5倍收益后考虑是否为时已晚？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FCNCA":1.5},"content_text":"If you are wondering whether First Citizens BancShares at around US$2,175 per share is still offering value or is already pricing in the story, you are in the right place. The stock shows returns of 0.8% over the last 7 days and 5.8% over the last 30 days, with 1 year returns at 5.8% and a very large 3 year gain of about 2.5x. Recent attention around First Citizens BancShares has focused on its role in the US banking sector, including how investors view its size and position among regional banks. This context helps explain why the share price and risk perception have been closely watched by both new and long term shareholders. Based on our checks, First Citizens BancShares has a valuation score of 4 out of 6. This points to several areas where the shares may be pricing in less than what some models suggest. Next we will compare different valuation approaches, then finish with a framework that can help you interpret what that score may mean for your own analysis.  Find out why First Citizens BancShares's 5.8% return over the last year is lagging behind its peers. AdvertisementApproach 1: First Citizens BancShares Excess Returns Analysis The Excess Returns model looks at how much profit a company is expected to generate over and above the return that shareholders require, and then capitalizes those “excess” profits into an intrinsic value per share. For First Citizens BancShares, the current Book Value is $1,672.53 per share, while the Stable Book Value estimate is $1,956.84 per share, based on weighted future book value estimates from 8 analysts. The model uses a Stable EPS of $210.54 per share, drawn from weighted future return on equity estimates from 9 analysts, and a Cost of Equity of $165.57 per share. The gap between Stable EPS and the Cost of Equity gives an Excess Return of $44.97 per share. With an Average Return on Equity of 10.76%, the model converts these expected excess returns on the equity base into an intrinsic value estimate of about $2,821 per share. Compared with the current share price around $2,175, the Excess Returns model implies the stock is 22.9% undervalued. Result: UNDERVALUED Our Excess Returns analysis suggests First Citizens BancShares is undervalued by 22.9%. Track this in your watchlist or portfolio, or discover 880 more undervalued stocks based on cash flows. FCNC.A Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for First Citizens BancShares. Approach 2: First Citizens BancShares Price vs Earnings For a profitable bank like First Citizens BancShares, the P/E ratio is a practical way to think about value because it directly links what you pay for each share to the company’s earnings. Investors usually accept a higher P/E when they expect stronger earnings growth or see lower risk, and look for a lower P/E when growth expectations are modest or risks feel higher. First Citizens BancShares currently trades at a P/E of 11.93x. That sits close to the Banks industry average P/E of 11.88x, and below the peer group average of 21.26x. This indicates the market is not pricing it at the upper end of regional bank valuations. Simply Wall St’s Fair Ratio for the stock is 12.89x, which is its view of what a “normal” P/E could be once you factor in the company’s earnings profile, industry, profit margins, size and risk characteristics. The Fair Ratio is more tailored than a simple comparison with industry or peers because it adjusts for company specific traits such as growth, risk and market cap, rather than assuming all banks should trade on the same multiple. With the current P/E of 11.93x sitting below the Fair Ratio of 12.89x, this approach points to the shares trading at a discount to that customized benchmark. Result: UNDERVALUED NasdaqGS:FCNC.A P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1446 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your First Citizens BancShares Narrative Earlier we mentioned that there is an even better way to think about valuation. On Simply Wall St’s Community page that comes to life through Narratives, where you and other investors connect your view of First Citizens BancShares’ story to specific forecasts for revenue, earnings and margins, translate those into a fair value, and then compare that fair value with the current price to decide whether the stock looks appealing or not. Each Narrative updates automatically as new news or earnings arrive. A more optimistic user might build a story closer to the US$2,600 price target, while a more cautious one might anchor around US$2,050, both using the same shared tools but different assumptions. Do you think there's more to the story for First Citizens BancShares? Head over to our Community to see what others are saying! NasdaqGS:FCNC.A 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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