FCNCA Should I Buy
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First Citizens BancShares Inc (FCNCA) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the stock has potential for growth in the mid-cap banking sector, the technical indicators are bearish, recent financial performance shows declining net income and EPS, and there are no strong proprietary trading signals or immediate catalysts to suggest a compelling entry point. Holding the stock or waiting for better opportunities is advised.
The technical indicators are bearish. The MACD histogram is negative (-9.753) and contracting, RSI is neutral at 37.387, and moving averages show a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading below the pivot level of 1846.537, with key support at 1773.415 and resistance at 1919.659.
CEO Frank B. Holding Jr. recently purchased shares, signaling confidence in the company. Analysts expect continued momentum in the mid-cap banking sector due to M&A activity, loan growth, and curve steepening.
Analysts have lowered price targets, and Goldman Sachs downgraded the stock to Neutral, citing net interest income headwinds and slower ROTCE expansion.
In Q4 2025, revenue increased by 0.76% YoY to $2.258 billion. However, net income dropped by 17.37% YoY to $566 million, and EPS decreased by 6.87% YoY to 45.81.
Analyst ratings are mixed. UBS and TD Cowen maintain Buy ratings with lowered price targets, while Goldman Sachs downgraded the stock to Neutral. The average price target remains significantly above the current price, but concerns about deposit contraction and slower operating performance persist.
