For the quarter ended September 2025, First Citizens BancShares (FCNCA) reported revenue of $2.25 billion, down 7.9% over the same period last year. EPS came in at $44.62, compared to $45.87 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $2.22 billion, representing a surprise of +1.57%. The company delivered an EPS surprise of +7.49%, with the consensus EPS estimate being $41.51.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Citizens performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 61.3% versus the five-analyst average estimate of 58.9%.
- Net Interest Margin: 3.3% versus the five-analyst average estimate of 3.2%.
- Net charge-off ratio: 0.7% versus the four-analyst average estimate of 0.5%.
- Book value per share: $1,672.54 compared to the $1,661.88 average estimate based on four analysts.
- Nonaccrual loans at period end: $1.41 billion versus $1.31 billion estimated by three analysts on average.
- Average Balance - Total interest-earning assets: $211.04 billion versus $210.22 billion estimated by three analysts on average.
- Net Interest Income: $1.73 billion versus the five-analyst average estimate of $1.71 billion.
- Total Noninterest Income: $699 million versus the five-analyst average estimate of $534.97 million.
- Factoring commissions: $18 million versus the three-analyst average estimate of $18.03 million.
- Cardholder services, net: $39 million versus the three-analyst average estimate of $41.81 million.
- Deposit fees and service charges: $61 million versus the three-analyst average estimate of $59.83 million.
- Merchant services, net: $12 million compared to the $13.07 million average estimate based on three analysts.
View all Key Company Metrics for First Citizens here>>>
Shares of First Citizens have returned -5.1% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Citizens BancShares, Inc. (FCNCA): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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