The earnings call reflects a strong financial performance with notable achievements in loan and deposit growth, capital management, and credit performance. However, there are challenges related to decreased noninterest income, margin compression, and macroeconomic uncertainties. Despite these challenges, the company's proactive strategies and strong capital position provide confidence in navigating the uncertain environment.

Company Guidance -

Q2 2025

During the First Citizens BancShares, Inc. first quarter 2025 earnings call, the company reported adjusted earnings per share of $37.79, aligned with their guidance. The firm achieved strong loan growth in its commercial bank and SVB commercial segments, alongside robust deposit growth in their direct bank and branch network. Credit performance was stable with net charge-offs at 41 basis points, the lower end of their guidance range. They returned $613 million to shareholders through share repurchases, totaling $2.3 billion since the program's inception. The company issued $1.25 billion in debt to bolster funding and capital. The termination of a loss share agreement with the FDIC reflects confidence in SVB's portfolio quality. The firm maintains a strong capital position with a CET1 ratio of 12.19%, aiming for a 10.5% to 11% range by Q1 2026. They anticipate loans reaching $142-$144 billion and deposits at $158-$161 billion in Q2. Despite market volatility, the company remains focused on strategic priorities, with adjusted noninterest income expected to be $480-$510 million in Q2 and noninterest expense to increase modestly. The full-year tax rate is projected between 25% and 26%.

Strong Financial Performance

Adjusted earnings per share of $37.79, with adjusted net income of $528 million, demonstrating solid financial results aligned with guidance.

Robust Loan and Deposit Growth

Commercial bank loans grew by $733 million and SVB commercial loans by $440 million. Deposits increased by $4.1 billion or about 2.6% sequentially, exceeding guidance.

Successful Capital Management

Returned $613 million to shareholders through share repurchases, and reentered the debt markets successfully with $500 million of senior unsecured borrowings and $750 million of subordinated debt.

Termination of FDIC Loss Share Agreement

Terminated the loss share agreement with the FDIC, reflecting confidence in the quality of the SVB portfolio.

Resilient Credit Performance

Net charge-offs declined to 41 basis points, coming in at the low end of the guidance range, indicating stable credit performance.

First Citizens BancShares (FCNCA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FCNCA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 25, 2025	2025 (Q2)	39.19 / -	50.87	―	―	―
Apr 24, 2025	2025 (Q1)	37.91 / 37.79	52.92	-28.59% (-15.13)
Jan 24, 2025	2024 (Q4)	38.97 / 45.10	46.58	-3.18% (-1.48)
Oct 24, 2024	2024 (Q3)	47.10 / 45.87	55.92	-17.97% (-10.05)
Jul 25, 2024	2024 (Q2)	44.56 / 50.87	52.6	-3.29% (-1.73)
Apr 25, 2024	2024 (Q1)	43.80 / 52.92	20.09	163.41% (+32.83)
Jan 26, 2024	2023 (Q4)	48.57 / 46.58	20.94	122.45% (+25.64)
Oct 26, 2023	2023 (Q3)	48.83 / 55.92	20.77	169.23% (+35.15)
Aug 03, 2023	2023 (Q2)	45.92 / 52.60	16.86	211.98% (+35.74)
May 10, 2023	2023 (Q1)	22.29 / 20.09	18.95	6.02% (+1.14)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FCNCA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 24, 2025	$1770.17	$1788.76	+1.05%
Jan 24, 2025	$2212.02	$2220.52	+0.38%
Oct 24, 2024	$2076.65	$1874.57	-9.73%
Jul 25, 2024	$1855.42	$2043.51	+10.14%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Citizens BancShares (FCNCA) report earnings?

First Citizens BancShares (FCNCA) is schdueled to report earning on Jul 25, 2025, Before Open (Confirmed).

What is First Citizens BancShares (FCNCA) earnings time?

First Citizens BancShares (FCNCA) earnings time is at Jul 25, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FCNCA EPS forecast?

FCNCA EPS forecast for the fiscal quarter 2025 (Q2) is 39.19.

First Citizens BancShares (FCNCA) Earnings News

First Citizens (FCNCA) Stock Soars on Enormous Gains from SVB Deal

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Market News

First Citizens (FCNCA) Stock Soars on Enormous Gains from SVB Deal

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