First Citizens BancShares Reports $580 Million Net Income for Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Source: PRnewswire
- Earnings Growth: First Citizens BancShares reported a net income of $580 million for Q4 2025, up from $568 million in Q3, indicating strong loan growth driven by Global Fund Banking while maintaining stable credit quality.
- Capital Return: The company returned $900 million to shareholders through share repurchases and prepaid $2.5 billion of Purchase Money Notes in Q4, enhancing its capital and liquidity positions and reflecting confidence in future growth prospects.
- Branch Acquisition: First Citizens Bank plans to complete the acquisition of 138 branches from BMO Bank in the second half of 2026, expecting to assume approximately $5.7 billion in deposits and acquire $1.1 billion in loans, significantly expanding its market share and operational footprint.
- Adjusted Net Income: The adjusted net income for Q4 was $648 million, an increase from $587 million in the previous quarter, demonstrating the company's ongoing efforts to optimize operations and enhance profitability, thereby solidifying its competitive position in the financial sector.
Analyst Views on FCNCA
Wall Street analysts forecast FCNCA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FCNCA is 2270 USD with a low forecast of 2000 USD and a high forecast of 2500 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
8 Analyst Rating
4 Buy
4 Hold
0 Sell
Moderate Buy
Current: 2182.730
Low
2000
Averages
2270
High
2500
Current: 2182.730
Low
2000
Averages
2270
High
2500
About FCNCA
First Citizens BancShares, Inc. is the financial holding company for First-Citizens Bank & Trust Company (First Citizens Bank). The Company’s General Bank segment delivers products and services to consumers and businesses through its network of branches and various digital channels. It offers a full suite of deposit products, loans, cash management, private banking and wealth management, payment services, and treasury services. The Commercial Bank segment provides a range of lending, leasing, capital markets, asset management, and other financial and advisory services, primarily to small and middle market companies. The SVB Commercial segment offers products and services to commercial clients and investors across stages, sectors and regions in the innovation ecosystem, as well as private equity and venture capital firms. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers throughout North America.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
