The earnings call reflects a solid financial performance with strong capital returns and strategic growth initiatives. However, challenges remain in loan growth and competitive pressures. The company's cautious optimism is evident amidst macroeconomic uncertainties.

Company Guidance -

Q3 2025

During the First Citizens BancShares Second Quarter 2025 Earnings Conference Call, several key metrics and forward-looking guidance were highlighted. The company reported an adjusted earnings per share of $44.78, with an adjusted return on equity (ROE) of 11.00% and a return on assets (ROA) of 1.07%. Net interest income saw growth, and net charge-offs reached their lowest level since Q2 2024. Adjusted noninterest expenses fell at the low end of guidance, while $613 million was returned to shareholders via share repurchases. Additionally, a new $4 billion share repurchase plan was approved. It was noted that adjusted net income for Q2 was $607 million, and tangible book value per share increased by 10.4% over the prior year. For the full year of 2025, net interest income is expected to be between $6.68 billion and $6.88 billion, while adjusted noninterest income is projected to be between $1.97 billion and $2.05 billion. The company expects noninterest expenses to range between $5.1 billion and $5.2 billion. The comprehensive overview reflects a cautious yet optimistic outlook for the remainder of the year amidst a dynamic economic environment.

Solid Key Earnings Metrics

Net interest income growth, net charge-offs at their lowest level since Q2 2024, and adjusted noninterest expense at the low end of guidance. Adjusted earnings per share of $44.78, adjusted ROE of 11.00%, and ROA of 1.07%.

Strong Capital and Liquidity Positions

Returned $613 million to shareholders through share repurchases in Q2. Board approved a $4 billion share repurchase plan post completion of the current plan.

Loan and Deposit Growth Strategy

Continued consolidation of platforms and relationship teams. Global Fund Banking experienced growth despite lower utilization levels.

Rail Business Performance

Adjusted rental income in rail business increased by $5 million sequentially. Utilization remains high at 96.9% with 15 consecutive quarters of positive repricing trends.

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

Daily Earnings Calendar >

FCNCA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	43.01 / -	45.87	―	―	―
Jul 25, 2025	2025 (Q2)	39.72 / 44.78	50.87	-11.97% (-6.09)
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)

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
Jul 25, 2025	$2113.83	$2096.04	-0.84%
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%

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 Oct 23, 2025, Before Open (Confirmed).

What is First Citizens BancShares (FCNCA) earnings time?

First Citizens BancShares (FCNCA) earnings time is at Oct 23, 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 (Q3) is 43.01.

First Citizens BancShares (FCNCA) Earnings News

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

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