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First Citizens BancShares FCNCA Q1 2025 earnings

Reported April 24, 2025 · Before market open

Revenue$2.3BBeat by $105.6M
EPS$37.79Miss by $0.12
Revenue estimate$2.2B
EPS estimate$37.91

Next report

Oct 22, 2026 (in a month)
Revenue estimate$2.2B
EPS estimate$45.82

Financials

Q1 2025

Income statement

See full
Revenue$2.3B-6.0%
Net income$483.0M-33.9%
EPS (diluted)$34.47-30.0%

Balance sheet

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Cash & equivalents$812.0M+16.3%
Total debt$39.2B+2.3%
Total equity$22.3B+2.0%
Total assets$228.82B+5.0%

Cash flow

See full
Operating cash flow$98.0M-78.7%
CapEx$103.0M+9.6%
Free cash flow-$5.0M-101%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$25.09B+5.6%
Enterprise value$63.51B+3.4%
P/E9.9×+1.1×
P/S2.6×+0.3×

Profitability

See full
Net margin26.3%-0.2pp
FCF margin22.8%-7.2pp

Returns & leverage

See full
Return on equity11.5%-1.6pp
Debt / equity1.8×0.0×

Segments

By product

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Lending-related fees$66.0M—
Deposit fees and service charges$58.0M—
Wealth management services$56.0M+9.8%
Client investment fees$53.0M+6.0%
Cardholder services, net$41.0M+2.5%

By segment

See full
Commercial Bank$1.0B—
General Bank$952.0M—
Rail$164.0M+3.1%

FAQ

When did First Citizens BancShares report Q1 2025 earnings?
First Citizens BancShares (FCNCA) reported Q1 2025 earnings on April 24, 2025 before market open.
What were First Citizens BancShares's Q1 2025 revenue and EPS?
First Citizens BancShares reported revenue of $2.3B and eps of $37.79 for Q1 2025.
Did First Citizens BancShares beat estimates in Q1 2025?
Revenue beat the consensus estimate of $2.2B by $105.6M. EPS missed the consensus estimate of $37.91 by $0.12.
How did First Citizens BancShares's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.9% from $2.4B a year earlier and eps declined 28.6% from $52.92.
Where can I find First Citizens BancShares's Q1 2025 SEC filings?
You can read the 8-K earnings release (0000798941-25-000019) and the 10-Q periodic report (0000798941-25-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.