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This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
First Citizens BancShares (OTCPK:FCNCB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
First Citizens BancShares's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1800.00
/
2,061.01
=
0.87
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Citizens BancShares Median PS Value Related Terms
First Citizens BancShares Median PS Value Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Citizens BancShares's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Citizens BancShares Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, First Citizens BancShares's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where First Citizens BancShares's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.683.
First Citizens BancShares's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $768.181.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Citizens BancShares (FCNCB) has a Median PS Value of $2,061.01 as of Aug. 30, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on First Citizens BancShares and its competitors. According to the industry distribution chart, First Citizens BancShares ranks #231 out of 1061 companies in the Banks industry, placing it in the top 21.8%.
Is First Citizens BancShares' Median PS Value too high?
First Citizens BancShares' current Median PS Value is $2,061.01. The Banks industry median Median PS Value is 1.10. First Citizens BancShares' value of $2,061.01 is 187264.5% above this industry median. Based on the distribution chart, First Citizens BancShares ranks #231 out of 1061 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Citizens BancShares has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Citizens BancShares' Median PS Value compare to KEY and RF?
According to the Banks industry distribution chart, First Citizens BancShares ranks #231 out of 1061 companies for Median PS Value. This places First Citizens BancShares in the top 22% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.10. First Citizens BancShares' value of $2,061.01 is 187264.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.10, based on 1,061 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Citizens BancShares's current Median PS Value of $2,061.01 is 187264.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on First Citizens BancShares and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Citizens BancShares's current Median PS Value is $2,061.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Citizens BancShares stock overvalued right now?
Based on GuruFocus' analysis, First Citizens BancShares (FCNCB) is currently considered Fairly Valued. The stock's GF Value™ is $1,962.95, compared to a current price of $1,800.00 — trading 8.3% below its estimated fair value. The current Median PS Value is $2,061.01 and 187264.5% above the Banks industry median of 1.10. First Citizens BancShares' overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For First Citizens BancShares (FCNCB), the current Median PS Value is $2,061.01 as of Aug. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Citizens BancShares (FCNCB) Overvalued in 2026?
Based on GuruFocus' analysis, First Citizens BancShares stock appears to be undervalued.
The current stock price of $1,800.00 is trading 8.3% below its estimated GF Value™ of $1,962.95.
GuruFocus considers First Citizens BancShares to be Fairly Valued.
Key valuation signals for FCNCB:
Median PS Value: $2,061.01
GF Value™: $1,962.95 vs. price of $1,800.00 (8.3% below fair value)
Industry Position: 187264.5% above the Banks median (#231 of 1061)
No single metric tells the full story. See the FCNCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Citizens is a US regional bank with total assets of around $236 billion as of March 31, 2026. Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, South Carolina, and California. The bank has a track record of acquiring troubled banks from the FDIC, such as Silicon Valley Bridge Bank in 2023, which doubled its asset base. First Citizens offers products and services across retail, commercial, wealth management, and railcar leasing. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2025.
74GF Score
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