FCNCA Should I Buy
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First Citizens BancShares Inc (FCNCA) is not a strong buy for a beginner investor with a long-term strategy at this time. While the stock has potential due to ongoing M&A activity and loan growth, the recent financial performance, negative news sentiment, and lack of strong technical or proprietary trading signals suggest a cautious approach. Holding the stock or waiting for better entry points is advisable.
The MACD histogram is negative (-8.055) and contracting, indicating bearish momentum. The RSI is neutral at 42.694, and moving averages are converging, showing no clear trend. The stock is trading below the pivot point (2020.616) but above the first support level (1943.937), suggesting limited upward momentum in the near term.
The company is pursuing acquisition deals, including a potential acquisition of KeyCorp, which could enhance its market position and achieve economies of scale. Analysts expect momentum in regional banks due to loan growth and M&A activity.
The company is under investigation for potential securities fraud and poor financial performance. Q4 2025 financials showed a decline in net income (-17.37% YoY) and EPS (-6.93% YoY). Analysts have lowered price targets, and there is no significant insider or hedge fund activity.
In Q4 2025, revenue increased by 0.76% YoY to $2.258 billion, but net income dropped by 17.37% YoY to $566 million. EPS also declined by 6.93% YoY to $45.78, reflecting weaker profitability.
Analyst ratings are mixed. UBS and TD Cowen maintain Buy ratings with reduced price targets, while Piper Sandler and Citi have Neutral ratings. Analysts highlight concerns about deposit contraction and net interest income headwinds, but some remain optimistic about regional bank growth and M&A activity.
