FCNCA · 2,122.13 (last weekly close)■ SMA 10w■ SMA 40w
Weekly candles over the last 52 weeks, split-adjusted, with 10- and 40-week moving averages; trading volume along the bottom. As of Jul 13, 2026.
OakBag’s model puts the fair value of First Citizens Bancshares Inc (FCNCA) at about $2,963.59, against a recent price of $2,122.13 — a margin of safety of +28%. On that basis the traffic light is set so it looks fairly valued. The estimate blends up to 2 independent valuation methods and is benchmarked against other Financials names. It is a model estimate for research, not a price target or a recommendation.
Fair value vs. price
Current price
$2,122.13
Estimated fair value
$2,963.59
Margin of safety
+28%
−50%0+50%
How the fair value is built
A balance-sheet business: valued on earnings and book value (cash-flow and EV/EBITDA don’t apply to banks and insurers).
On OakBag’s model, First Citizens Bancshares Inc looks fairly valued: the estimated fair value is $2,963.59 versus a recent price of $2,122.13, a margin of safety of +28%. This is a model estimate, not investment advice.
What is FCNCA’s fair value estimate?
OakBag estimates First Citizens Bancshares Inc’s fair value at about $2,963.59, blending up to 2 methods — peer P/E, price-to-book, peer EV/EBITDA, a machine-learning valuation and a cash-flow DCF — clipped to a sensible band and taken at the median.
What is margin of safety?
Margin of safety is how far below the estimated fair value the price sits: (fair value − price) ÷ fair value. Here it is +28%. A positive number means the model sees the stock as cheap; OakBag only turns a stock green above +15%.
Does a green verdict mean I should buy FCNCA?
No. OakBag is an educational and research tool, not investment advice. The traffic light is an automated model output based on third-party data that may be delayed or inaccurate. Always do your own research.
An educational and research tool — not investment advice. OakBag is an educational and research tool, not investment advice. Scores and rankings are automated model outputs based on third-party data and may be inaccurate or delayed. Nothing here is a recommendation to buy or sell any security. Investing involves risk, including possible loss of principal.