The earnings call highlighted strong financial performance, with notable achievements in net income, capital management, and specific business segments like the rail business. However, challenges such as loan declines, competitive pressures, and cautious outlooks in certain business areas balanced the positive aspects.

Company Guidance

During the First Citizens BancShares Second Quarter 2025 Earnings Call, the company provided forward-looking guidance for the remainder of the year. They forecast third-quarter loans to range between $141 billion and $144 billion, driven by growth in their general, commercial, and SVB commercial banks. For the full year, they adjusted their loan guidance to $143 billion to $146 billion, reflecting cautious optimism. Deposits are expected to be between $159 billion and $162 billion in Q3, with a full-year target of $161 billion to $166 billion. The net interest income for the full year was revised to a range of $6.68 billion to $6.88 billion, considering the current interest rate environment. Adjusted noninterest income is projected to be $480 million to $510 million in Q3, with a full-year range of $1.97 billion to $2.05 billion. Noninterest expenses are anticipated to stay within $1.28 billion to $1.32 billion per quarter for the rest of the year, with a full-year expectation of $5.1 billion to $5.2 billion. The company also plans to continue share repurchases, guided by their newly approved $4 billion plan, and expects the CET1 ratio to manage down to their target range of 10.5% to 11% over time.

Strong Financial Performance

Adjusted net income was $607 million, exceeding expectations, with tangible book value per share increasing by 10.4% year-over-year and 2.7% sequentially.

Capital and Liquidity Strength

Strong capital and liquidity positions allowed for $613 million in share repurchases during Q2, with a new $4 billion share repurchase plan approved.

Improvement in Net Interest Income

Net interest income grew by 2% sequentially, marking the first increase after three quarters of decline.

Rail Business Performance

Adjusted rental income in the rail business increased by $5 million sequentially with utilization remaining high at 96.9%.

Deposit Growth

Deposits increased by $610 million or 0.4% sequentially, with significant growth in the Direct Bank channel.

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)	42.91 / -	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, Inc. Class A (FCNCA) report earnings?

First Citizens BancShares, Inc. Class A (FCNCA) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is First Citizens BancShares, Inc. Class A (FCNCA) earnings time?

First Citizens BancShares, Inc. Class A (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 42.91.

First Citizens BancShares (FCNCA) Earnings News

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

Premium

Market News

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

2y ago

See More FCNCA News >

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing