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First Citizens BancShares FCNCA Q3 2025 earnings

Reported October 23, 2025 · Before market open

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

Next report

Jul 23, 2026 (In 1 week)
Revenue estimate$2.2B
EPS estimate$40.64

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%

Versus estimates

Revenue

Q1 2026$2.2BBeat by $70.3MQ4 2025$2.4BBeat by $173.9M
Q3 2025$2.4BBeat by $213.3M
Q2 2025$2.4BBeat by $190.0MQ1 2025$2.3BBeat by $105.6MQ4 2024$2.4BBeat by $155.9M

Diluted EPS

Q1 2026$44.86Beat by $5.84Q4 2025$0.51Beat by $0.07
Q3 2025$44.62Beat by $2.75
Q2 2025$44.78Beat by $5.07Q1 2025$37.79Miss by $0.12Q4 2024$45.10Beat by $5.78

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Questions, answered.

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 diluted 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 diluted EPS declined 2.7% from $45.87.
Where can I find First Citizens BancShares's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000798941-25-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.