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First Citizens BancShares (FCNCA)
NASDAQ:FCNCA
US Market
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First Citizens BancShares (FCNCA) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 23, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
44.23
Last Year’s EPS
45.1
Same Quarter Last Year
Moderate Buy
Based on 9 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 23, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call highlighted robust loan and deposit growth, strategic expansions, and strong capital management. However, it also noted significant charge-offs and a cautious outlook for future growth in certain segments.
Company Guidance
During the First Citizens BancShares Third Quarter 2025 Earnings Conference Call, key earnings metrics were highlighted, reflecting robust performance across business segments. The company reported an adjusted earnings per share of $44.62, an adjusted return on equity (ROE) of 10.62%, and an adjusted return on assets (ROA) of 1.01%. Loan growth reached 2.5% over the linked quarter, spearheaded by a 10% sequential increase in SVB Commercial's global fund banking loans. Deposits rose by $3.3 billion or 2% sequentially, marking the seventh consecutive quarter of deposit growth. The company returned $900 million to shareholders through share repurchases during the quarter. Looking ahead, First Citizens anticipates loans to be in the range of $143 billion to $146 billion, with a focus on maintaining a strong capital and liquidity position to support strategic initiatives. They also provided guidance on net interest income, expecting it to remain relatively stable in the fourth quarter compared to the third quarter, with full-year guidance tightened to a range of $6.74 billion to $6.84 billion. The company continues to exercise disciplined expense management while investing in areas to drive scalable growth and enhance operational efficiency.
Strong Loan and Deposit Growth
Achieved 2.5% loan growth over the linked quarter, with deposits up by $3.3 billion or 2% sequentially. This marks the 7th consecutive quarter of deposit growth.
SVB Commercial Performance
Global fund banking loans increased 10% sequentially, driven by increased utilization and strong production in the capital call portfolio.
Shareholder Returns
Returned $900 million to shareholders through share repurchases during the quarter, with a total of $4 billion repurchased since the inception of the plan in July 2024.
Capital and Liquidity Strength
Maintained strong capital ratios, with a CET1 ratio of 11.65%, supporting ongoing growth and strategic initiatives.
Branch Expansion
Announced an agreement to purchase 138 branches from BMO Bank, expected to expand market reach and enhance client offerings.

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

FCNCA Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 23, 2026
2025 (Q4)
44.23 / -
45.1
Oct 23, 2025
2025 (Q3)
41.87 / 44.62
45.87-2.73% (-1.25)
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
20.09163.41% (+32.83)
Jan 26, 2024
2023 (Q4)
48.57 / 46.58
20.94122.45% (+25.64)
Oct 26, 2023
2023 (Q3)
48.83 / 55.92
20.77169.23% (+35.15)
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
Oct 23, 2025
$1742.49$1751.52+0.52%
Jul 25, 2025
$2111.77$2094.00-0.84%
Apr 24, 2025
$1768.44$1787.02+1.05%
Jan 24, 2025
$2209.87$2218.36+0.38%
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 Jan 23, 2026, Before Open (Confirmed).
    What is First Citizens BancShares (FCNCA) earnings time?
    First Citizens BancShares (FCNCA) earnings time is at Jan 23, 2026, 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 (Q4) is 44.23.

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