Value
7.2/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 8.6 |
| P/S | 8.5 |
| Fwd P/E | 9.2 |
| PEG | 5.9 |
| Analyst target | 4.0 |
- ▸Forward P/E: 10.5x
- ▸PEG: 1.28
- ▸Attractively valued
FCNCA · Why this verdict
Why First Citizens BancShares (FCNCA) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score5.7/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
5.3/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 3.4 |
| ROA | 0.6 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 4.2 |
| Piotroski F | 8.9 |
- ▸Strong margins: 25%
- ▸No competitive moat
- ▸Strong Piotroski F-Score: 8/9
Growth
5.2/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 3.7 |
| EPS growth | 6.7 |
Momentum
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.0 |
| MACD | 10.0 |
| OBV | 4.9 |
| MA position | 8.0 |
| Volume | 6.3 |
- ▸Above 200-MA but MA slope flat
Sentiment
5.3/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 6.0 |
| erm sentiment | 5.0 |
Insider
5.9/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.7 |
| notable moves | 7.0 |
- ▸Negligible insider buying — $382,844 (0.002% of mkt cap)
Peer rank
4.3/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 7.2 |
| quality rank | 3.1 |
| growth rank | 1.8 |
Technical
3.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 0.1 |
| support resistance | 2.3 |
| 52w position | 8.6 |
Risk (lower is worse)
5.6/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 7.0 |
| days to cover | 1.6 |
| volatility | 6.2 |
| put call | 5.4 |
| implied vol | 6.4 |
| max pain risk | 3.0 |
| beta | 9.3 |
- ▸Above max pain $1500
Catalyst
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 4.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 9.2 |
| dividend safety | 7.0 |
- ▸Perfect beat streak: 4Q
- ▸Dividend: 40.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- MOMENTUM:6.8>=5.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:45d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:-0.8=NEGATIVE
Warning (0)
none
Reward-to-Risk
-0.80
Upside
-7.2%
Downside
9.0%
Sizing output
AVOID
SetupBREAKOUT — Golden cross, above all MAs, RSI 67, MACD bullish
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:6.8>=5.5. Top dim: Value at 7.2; weakest: Technical at 3.7. No conviction either direction.
The strongest dimensions are Value at 7.2, Catalyst at 7.0, and Momentum at 6.8; the weakest are Technical at 3.7, Peer rank at 4.3, and Growth at 5.2. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of -0.80 and an engine sizing output of AVOID.