Skip to content
Screener

First Citizens BancShares FCNCA Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$2.4BBeat by $213.3M
EPS$44.62Beat by $2.75
Revenue estimate$2.2B
EPS estimate$41.87

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$2.4B-0.5%
Net income$568.0M-11.1%
EPS (diluted)$43.08-0.8%

Balance sheet

See full
Cash & equivalents$874.0M+1.4%
Total debt$39.5B+4.1%
Total equity$22.0B-3.7%
Total assets$233.49B+5.9%

Cash flow

See full
Operating cash flow$916.0M-7.6%
CapEx$238.0M+125%
Free cash flow$678.0M-23.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$23.12B-13.6%
Enterprise value$61.75B-3.3%
P/E9.9×-0.4×
P/S2.4×-0.3×

Profitability

See full
Net margin24.5%-2.0pp
FCF margin25.2%+2.1pp

Returns & leverage

See full
Return on equity10.4%-1.6pp
Debt / equity1.8×+0.1×

Segments

By product

See full
Lending-related fees$67.0M—
Deposit fees and service charges$61.0M—
Client investment fees$58.0M+5.5%
Wealth management services$57.0M+5.6%
Cardholder services, net$39.0M-7.1%

By segment

See full
General Bank$1.0B+11.3%
Commercial Bank$458.0M+3.9%
Rail$166.0M+4.4%

FAQ

When did First Citizens BancShares report Q3 2025 earnings?
First Citizens BancShares (FCNCA) reported Q3 2025 earnings on October 23, 2025 before market open.
What were First Citizens BancShares's Q3 2025 revenue and EPS?
First Citizens BancShares reported revenue of $2.4B and eps of $44.62 for Q3 2025.
Did First Citizens BancShares beat estimates in Q3 2025?
Revenue beat the consensus estimate of $2.2B by $213.3M. EPS beat the consensus estimate of $41.87 by $2.75.
How did First Citizens BancShares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 0.5% from $2.4B a year earlier and eps declined 2.7% from $45.87.
Where can I find First Citizens BancShares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000798941-25-000047) and the 10-Q periodic report (0000798941-25-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.