Is FCNCA a buy according to UQS?

UQS rates FCNCA as Below Average at 46/100, driven primarily by a Valuation pillar score of 91.8 offset by a Risk pillar of just 15.8. The composite score reflects a stock that appears statistically cheap but carries meaningful balance sheet constraints, including interest coverage of 0.6x and net debt/EBITDA of 4.53, which suppress the overall rating.

What is FCNCA's PEG ratio and what does it mean?

FCNCA's PEG ratio is -5.66, which results from negative TTM EPS growth of -12.5% and is not interpretively meaningful in the standard framework (where PEG below 1 suggests cheapness relative to growth). A negative PEG should not be read as extreme undervaluation. The forward P/E of 10.0 paired with forward EPS growth of 22.3% offers a more useful valuation lens in this case.

Why might FCNCA's UQS Score change?

The UQS Score updates daily based on trailing twelve-month financials and forward analyst estimates. For FCNCA, the Risk pillar (15.8) is most sensitive to changes in leverage metrics — particularly interest coverage and net debt/EBITDA. If forward revenue or EPS estimates are revised, the Growth and Valuation pillars will shift accordingly. Pro users can also toggle a Momentum overlay that incorporates price-based signals.

FCNCA

Financial Services

First Citizens BancShares, Inc. · Banks - Regional · $23B

UQS Score — Balanced Preset

45.4

Below Average

First Citizens BancShares, Inc. scores 45.4/100 using the Balanced preset.

UQS vs Financial Services Sector

FCNCA

45.4

Sector avg

39.7

Quality

Good

Moat

Weak

Growth

Weak

Risk

Weak

Valuation

Attractive

FCNCA Price History

+142.5% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in First Citizens BancShares, Inc.?

If I had invested

Starting

Today it would be worth

$25,152

That's a +152% total return, or +20.3% annualized.

Based on First Citizens BancShares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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Pro Analysis

FCNCA — Score History

Score changes· 14 most recent

Date	UQS	Quality	Moat	Growth	Risk	Value	Change
May 22, 2026	45.4	66.4	28.0	30.6	9.8	94.5	0.0
May 21, 2026	45.4	66.4	28.0	30.6	9.8	94.7	0.0
May 14, 2026	45.4	66.4	28.0	30.6	9.8	94.9	-0.1
May 12, 2026	45.5	66.4	28.0	30.6	9.8	95.2	+3.2
May 9, 2026	42.3	66.4	28.0	17.0	9.8	92.1	-2.9
May 7, 2026	45.2	66.4	28.0	30.5	9.8	93.2	0.0
May 3, 2026	45.2	66.4	28.0	30.5	9.8	93.4	0.0
May 2, 2026	45.2	66.4	28.0	30.5	9.8	93.7	-0.3
Apr 26, 2026	45.5	66.4	28.0	31.7	9.8	93.8	-0.1
Apr 25, 2026	45.6	66.4	28.0	32.3	9.8	93.4	-0.3

FCNCA — Pillar Breakdown

◆

Quality

— 66.4/100 (25%)

First Citizens BancShares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Return on EquityModerate

Profitability relative to shareholders' equity.

Operating ProfitabilityModerate

Ability to convert revenue into operating profit.

Net ProfitabilityModerate

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

▲

Growth

— 30.6/100 (20%)

First Citizens BancShares, Inc. faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRStrong

Compound annual revenue growth rate over 3 years.

EPS GrowthWeak

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthModerate

Analyst consensus for future earnings growth.

◈

Risk

— 9.8/100 (15%)

First Citizens BancShares, Inc. presents elevated risk with concerns around leverage or financial stability.

Debt/EquityWeak

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

●

Valuation

— 94.4/100 (15%)

First Citizens BancShares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorStrong

Enterprise value multiple relative to sector median.

⬡

Moat

— 28/100 (25%)

First Citizens BancShares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FCNCA.

Score Composition

Quality

66.4×25%16.6

Growth

30.6×20%6.1

Risk

9.8×15%1.5

Valuation

94.4×15%14.2

Moat

28.0×25%7.0

Total

45.4Below Average

Financial Data

More Stock Analysis

How is the FCNCA UQS Score Calculated?

The UQS (Unified Quality Score) for First Citizens BancShares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Citizens BancShares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Citizens BancShares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.