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First Citizens Bancshares FCNCA 2025Q2 Earnings Preview Downside Risk Amid Net Interest Margin Pressure
Generated by AI AgentAinvestweb
Tuesday, Jul 22, 2025 8:32 pm ET1min read
Aime SummaryForward-Looking Analysis
Wall Street analysts forecast that (FCNCA) will report quarterly earnings of $39.08 per share, reflecting a year-over-year decline of 23.2%. Revenues are anticipated to reach $2.22 billion, indicating a decrease of 9.6% compared to the same period last year. The consensus EPS estimate has been revised upward by 1.4% over the past 30 days, suggesting analysts have reappraised their initial projections. Key metrics include a projected Net Interest Margin of 3.2%, down from 3.6% a year ago, and an Efficiency Ratio of 59.9%, compared to 56.4% previously. Analysts estimate nonaccrual loans will total $1.23 billion, up from $1.14 billion last year, with total nonperforming assets expected at $1.27 billion. Net Interest Income is predicted to reach $1.69 billion, a decline from $1.82 billion. Total Noninterest Income is projected at $545.54 million, down from $639.00 million last year.
Historical Performance Review
In the first quarter of 2025, First Citizens BancShares reported net income of $483 million, down from $700 million in the previous quarter. Earnings per share stood at $34.47. The company did not disclose revenue or gross profit figures for this period.
Additional News
First Citizens BancShares shares have recorded returns of +11.9% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change. The stock holds a Zacks Rank #3 (Hold), indicating that its performance is likely to align with the overall market. Analysts have maintained a consensus "Buy" rating and an average price target of $2348.4, forecasting a 10.32% upside. The company's earnings in 2025 are projected to be $2,468,000,000, according to six Wall Street analysts. The stock is included in Zacks' list of top picks with high growth potential.
Summary & Outlook
First Citizens BancShares faces downside risks from declining Net Interest Margin and Efficiency Ratio, impacting its overall financial health. Despite these challenges, the company's recent stock performance has been strong, suggesting potential resilience. Revenue and EPS estimates point to negative growth compared to last year, prompting a cautious outlook. Analysts remain optimistic with a "Buy" rating and a favorable price target, indicating confidence in long-term prospects. However, careful monitoring of key financial metrics and market conditions is essential. Given these factors, the outlook for remains neutral, balancing growth potential with inherent risks.
Wall Street analysts forecast that (FCNCA) will report quarterly earnings of $39.08 per share, reflecting a year-over-year decline of 23.2%. Revenues are anticipated to reach $2.22 billion, indicating a decrease of 9.6% compared to the same period last year. The consensus EPS estimate has been revised upward by 1.4% over the past 30 days, suggesting analysts have reappraised their initial projections. Key metrics include a projected Net Interest Margin of 3.2%, down from 3.6% a year ago, and an Efficiency Ratio of 59.9%, compared to 56.4% previously. Analysts estimate nonaccrual loans will total $1.23 billion, up from $1.14 billion last year, with total nonperforming assets expected at $1.27 billion. Net Interest Income is predicted to reach $1.69 billion, a decline from $1.82 billion. Total Noninterest Income is projected at $545.54 million, down from $639.00 million last year.
Historical Performance Review
In the first quarter of 2025, First Citizens BancShares reported net income of $483 million, down from $700 million in the previous quarter. Earnings per share stood at $34.47. The company did not disclose revenue or gross profit figures for this period.
Additional News
First Citizens BancShares shares have recorded returns of +11.9% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change. The stock holds a Zacks Rank #3 (Hold), indicating that its performance is likely to align with the overall market. Analysts have maintained a consensus "Buy" rating and an average price target of $2348.4, forecasting a 10.32% upside. The company's earnings in 2025 are projected to be $2,468,000,000, according to six Wall Street analysts. The stock is included in Zacks' list of top picks with high growth potential.
Summary & Outlook
First Citizens BancShares faces downside risks from declining Net Interest Margin and Efficiency Ratio, impacting its overall financial health. Despite these challenges, the company's recent stock performance has been strong, suggesting potential resilience. Revenue and EPS estimates point to negative growth compared to last year, prompting a cautious outlook. Analysts remain optimistic with a "Buy" rating and a favorable price target, indicating confidence in long-term prospects. However, careful monitoring of key financial metrics and market conditions is essential. Given these factors, the outlook for remains neutral, balancing growth potential with inherent risks.
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