FCNCA
First Citizens Bancshares·NASDAQ
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FCNCA fundamentals
First Citizens Bancshares (FCNCA) released its earnings on Jan 23, 2026: revenue was 2.44B (YoY +9.66%), beat estimates; EPS was 51.27 (YoY +13.68%), beat estimates.
Revenue / YoY
2.44B
+9.66%
EPS / YoY
51.27
+13.68%
Report date
Jan 23, 2026
FCNCA Earnings Call Summary for Q4,2025
- Strong Financial Performance: Q4 EPS of $51.27, up 13% YoY, driven by loan growth and cost control.
- Balance Sheet Momentum: Loans +2.2% QoQ, deposits -1% due to off-balance sheet shifts.
- Capital Return: $900M share buybacks, 18.3% of Class A shares repurchased since July 2024.
- Tech Investment Peak: 2026 tech spend to peak, with 1/3 of apps simplified and 7/8 data centers closed.
- PMN Repayment: $500-1B/month repayments, targeting $9B annualized; cash/Ash ratio ~10%.
- 2026 Outlook: Loans $153-157B, deposits $181-186B, NII $6.5-6.9B, efficiency ratio ~60%.
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Key Indicators
First Citizens Bancshares (FCNCA) key financial stats and ratios, covering profitability, financial health, and leverage.
First Citizens Bancshares (FCNCA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Citizens Bancshares (FCNCA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Citizens Bancshares (FCNCA)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Citizens Bancshares (FCNCA) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Citizens Bancshares (FCNCA) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What does First Citizens Bancshares do and what are its main business segments?Did First Citizens Bancshares beat or miss consensus estimates last quarter?What factors drove the changes in First Citizens Bancshares's revenue and profit?What guidance did First Citizens Bancshares's management provide for the next earnings period?What is First Citizens Bancshares's gross profit margin?What is First Citizens Bancshares's latest dividend and current dividend yield?What were the key takeaways from First Citizens Bancshares's earnings call?What is the market's earnings forecast for First Citizens Bancshares next quarter?
