First Citizens BancShares to Report Q4 Earnings of $43.91 per Share
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 23 2026
0mins
Source: Benzinga
- Earnings Forecast: First Citizens BancShares is set to release its Q4 earnings on January 23, with analysts projecting earnings per share of $43.91, a decrease from $45.1 in the previous year, indicating a slight decline in profitability.
- Revenue Expectations: The company anticipates quarterly revenue of $2.29 billion, up from $2.23 billion a year earlier, reflecting stable revenue growth potential in the current economic environment.
- Executive Change: The bank announced that Chief Risk Officer Lorie K. Rupp will retire on January 14, which may impact the company's risk management strategies and future decision-making processes.
- Stock Performance: First Citizens BancShares shares rose by 1% to close at $2,203.53 on Thursday, indicating market optimism ahead of the earnings report.
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Analyst Views on FCNCA
Wall Street analysts forecast FCNCA stock price to rise
8 Analyst Rating
4 Buy
4 Hold
0 Sell
Moderate Buy
Current: 2009.030
Low
2000
Averages
2270
High
2500
Current: 2009.030
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.
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Funding and Partnerships: The company has secured partnerships with major financial institutions, including MUFG and First Citizens Capital Securities, to bolster its underwriting capabilities and expand its market reach.
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- Earnings Performance: First Citizens BancShares reported adjusted earnings per share of $44.86 for Q1 2026, with net income reaching $560 million, reflecting positive outcomes in capital optimization and increased client activity, despite a decline in net interest income by $101 million and a compression in net interest margin to 3.09%.
- Deposit Growth: Deposits grew by 5.7% sequentially this quarter, reaching between $171 billion and $174 billion, primarily driven by increased client activity in the Tech and Healthcare sectors, indicating the company's successful strategy in attracting client deposits.
- Capital Repurchase: The company returned $900 million to shareholders through share repurchases, although management anticipates a slower pace for buybacks in the coming months, reflecting a cautious approach to capital management that may impact short-term shareholder returns.
- Strategic Transition: First Citizens plans to transition to a united brand structure in Q4, launching innovation banking and fund banking sub-brands, aimed at enhancing client service capabilities and driving business growth, demonstrating the company's forward-looking strategy in a competitive market.
See More
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- Earnings Beat: First Citizens BancShares reported a Q1 non-GAAP EPS of $44.86, exceeding expectations by $5.63, indicating strong profitability that may boost investor confidence.
- Slight Revenue Decline: The bank's revenue of $2.31 billion, down 2.1% year-over-year, still surpassed market expectations by $110 million, demonstrating relative stability in income amidst challenging conditions.
- Increased Credit Loss Reserves: The provision for credit losses totaled $72 million this quarter, up from $54 million in the previous quarter, reflecting a cautious approach to potential credit risks that could impact future profitability.
- Stable Capital Ratios: As of March 31, 2026, the estimated total risk-based capital ratio stood at 13.51%, indicating a robust capital structure that enhances market confidence in the bank's financial health.
See More
