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First Citizens BancShares FCNCA Q4 2025 Annual earnings

Reported January 23, 2026 · Before market open

Revenue$2.4BBeat by $173.9M
EPS$0.51Beat by $0.07
Revenue estimate$2.2B
EPS estimate$0.44

Next report

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

Financials

Q4 2025

Income statement

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Revenue$2.4B+1.2%
Net income$580.0M-17.1%
EPS (diluted)$45.54-7.3%

Balance sheet

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Cash & equivalents$801.0M-1.6%
Total debt$36.6B-3.1%
Total equity$22.2B0.0%
Total assets$229.70B+2.7%

Cash flow

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Operating cash flow$1.1B-6.2%
CapEx$243.0M+89.8%
Free cash flow$807.0M-18.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$26.69B-9.7%
Enterprise value$62.52B-6.0%
P/E12.1×+1.5×
P/S2.8×-0.2×

Profitability

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Net margin23.1%-5.3pp
FCF margin23.2%-3.0pp

Returns & leverage

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Return on equity9.9%-2.9pp
Debt / equity1.6×-0.1×

Segments

By product

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Lending-related fees$64.0M-5.9%
Deposit fees and service charges$63.0M+8.6%
Wealth management services$61.0M+13.0%
Client investment fees$54.0M0.0%
Cardholder services, net$37.0M-9.8%

By segment

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Commercial Bank$3.0B-5.7%
General Bank$1.0B+7.2%
Rail$182.0M+5.2%

FAQ

When did First Citizens BancShares report Q4 2025 earnings?
First Citizens BancShares (FCNCA) reported Q4 2025 earnings on January 23, 2026 before market open.
What were First Citizens BancShares's Q4 2025 revenue and EPS?
First Citizens BancShares reported revenue of $2.4B and eps of $0.51 for Q4 2025.
Did First Citizens BancShares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $2.2B by $173.9M. EPS beat the consensus estimate of $0.44 by $0.07.
How did First Citizens BancShares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 0.6% from $2.4B a year earlier and eps declined 98.9% from $45.10.
Where can I find First Citizens BancShares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000798941-26-000010) and the 10-K periodic report (0000798941-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.