Analyst Consensus ?
ConsensusHold11 ratings
Bullish218.2%
Neutral981.8%
Bearish00.0%
First Citizens BancShares, Inc. · FCNCA · FY2025 Q1 · Calendar Q2 2025
First Citizens Maintains Guidance as Deposits Grow
The quarter supports a cautiously constructive operating picture: deposit inflows, commercial lending activity, and continued capital return were accompanied by maintained guidance, but rate sensitivity, tariff exposure, and selected credit risks remain important constraints.
Reported Before market openNASDAQFinancial Services
$26.40B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $38.16
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $2.22B
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+1.1%
Event window
SPY move
+2.1%
Same window
Abnormal move
-1.1%
Stock minus SPY
Volume
1.2×
Versus trailing sessions
Subsequent drift
+2.8%
Up to 20 sessions
FCNCASPY benchmark
Ask FN2 about FCNCA FY2025 Q1
Transcript, numbers and history already loaded
What drove FCNCA's +1.1% move after FY2025 Q1 earnings?What changed in FCNCA's guidance and outlook in FY2025 Q1?Give me the bull and bear case for FCNCA after FY2025 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The FDIC loss-share agreement for the SVB acquisition portfolio was terminated; the company issued $500 million of senior unsecured debt and $750 million of subordinated debt, while shifting $2.4 billion of high-yield SVB commercial deposits off balance sheet.
Guidance delta
Guidance was largely maintained, with a slight increase to the deposit outlook and a modest reduction to net interest income guidance.
Key takeaways
- Management described adjusted EPS of $37.79, 0.8% loan growth, and $4.1 billion of deposit growth in Q1 2025.
- The company repurchased $613 million of shares and ended the FDIC loss-share agreement for the SVB acquisition portfolio.
- Growth priorities include commercial and SVB lending, direct-bank deposits, wealth management, and factoring.
Management priorities
- Continue disciplined share repurchases while targeting CET1 of 10.5–11% by Q1 2026
- Expand the direct-bank platform and branch network
- Grow commercial lending, SVB fund banking, wealth management, and factoring
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$2,354.41Current
$1,650Low
$2,268.33Average
$2,600High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 26, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| JP Morgan | Neutral | Neutral | Maintain | Oct 1, 2026 |
| Truist Securities | Hold | Hold | Maintain | Jul 28, 2026 |
| Piper Sandler | Neutral | Neutral | Maintain | Jul 27, 2026 |
| Barclays | Equal Weight | Equal Weight | Maintain | Jul 27, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Outperform | Downgrade | Jul 9, 2026 |
| Goldman Sachs | Neutral | Neutral | Maintain | Jul 7, 2026 |
| TD Cowen | Buy | Buy | Maintain | Apr 27, 2026 |
| Citigroup | Neutral | Neutral | Maintain | Jan 26, 2026 |
| UBS | Buy | Buy | Maintain | Nov 5, 2025 |
| Wedbush | Neutral | Neutral | Maintain | Oct 25, 2024 |
| DA Davidson | Neutral | Neutral | Maintain | Mar 28, 2023 |
Named analyst price targets
Upside is calculated against the persisted current price $2,354.4. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Jefferies | David Chiaverini | $2,550 | $2,375.95 | +8.3% | Oct 23, 2026 |
| Truist Financial | Analyst unavailable | $2,323 | $2,182 | -1.3% | Jul 28, 2026 |
| Barclays | Jason Goldberg | $2,376 | $2,160.65 | +0.9% | Jul 27, 2026 |
| Jefferies | Analyst unavailable | $2,300 | $2,204.03 | -2.3% | Jul 23, 2026 |
| Goldman Sachs | Ryan Nash | $2,340 | $2,117.35 | -0.6% | Jul 7, 2026 |
| Fundamental Research | Analyst unavailable | $2,350 | $2,080.79 | -0.2% | Jul 1, 2026 |
| Piper Sandler | Analyst unavailable | $2,050 | $1,976.37 | -12.9% | Apr 24, 2026 |
| UBS | Analyst unavailable | $2,325 | $2,043.97 | -1.2% | Feb 4, 2026 |
| Piper Sandler | Analyst unavailable | $2,100 | $1,980.05 | -10.8% | Jan 29, 2026 |
| Truist Financial | Analyst unavailable | $2,150 | $2,014.66 | -8.7% | Jan 26, 2026 |
| Barclays | Jason Goldberg | $2,346 | $2,016.56 | -0.4% | Jan 26, 2026 |
| UBS | Nicholas Holowko | $2,500 | $2,191.87 | +6.2% | Jan 6, 2026 |
| Goldman Sachs | Analyst unavailable | $2,300 | $2,182.61 | -2.3% | Jan 6, 2026 |
| Barclays | Analyst unavailable | $2,456 | $2,158.64 | +4.3% | Jan 5, 2026 |
| UBS | Analyst unavailable | $2,250 | $1,816.2 | -4.4% | Nov 5, 2025 |
| Piper Sandler | Analyst unavailable | $2,000 | $1,783.7 | -15.1% | Oct 24, 2025 |
| Raymond James | Analyst unavailable | $2,100 | $1,759.68 | -10.8% | Oct 7, 2025 |
| Truist Financial | Analyst unavailable | $2,000 | $1,742.68 | -15.1% | Oct 3, 2025 |
| Piper Sandler | Stephen Scouten | $2,150 | $2,096.04 | -8.7% | Jul 28, 2025 |
| UBS | Nichola Holowko | $2,410 | $2,066.2 | +2.4% | Jul 9, 2025 |
| Deutsche Bank | Bernard von-Gizycki | $2,600 | $2,196.6 | +10.4% | Dec 9, 2024 |
| Wedbush | David Chiaverini | $2,150 | $1,955.89 | -8.7% | Sep 24, 2024 |
| Raymond James | David Long | $1,900 | $1,697.56 | -19.3% | Jul 2, 2024 |
| Piper Sandler | Stephen Scouten | $1,950 | $1,800.35 | -17.2% | Apr 26, 2024 |
| D.A. Davidson | Kevin Fitzsimmons | $1,650 | $1,569.17 | -29.9% | Apr 15, 2024 |
| Barclays | Jason Goldberg | $1,850 | $1,607.61 | -21.4% | Apr 11, 2024 |
| Goldman Sachs | Ryan Nash | $1,950 | $1,613.63 | -17.2% | Mar 21, 2024 |
| Wedbush | David Chiaverini | $1,700 | $1,349.76 | -27.8% | Oct 5, 2023 |
Track every rating change on FCNCA the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationFirst Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products.…
Historical context
All FCNCA earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | FY2026 Q3 · Calendar Q4 2026 | +19.9% | +0.2% | First Citizens raises 2026 outlook after strong Q3 growth |
| FCNCO First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | +19.9% | +1.0% | First Citizens raises guidance after strong Q3 loan and deposit growth |
| FCNCP First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | +19.9% | +1.0% | First Citizens reports strong Q3 and raises 2026 guidance |
| AXP American Express Company | FY2026 Q3 · Calendar Q4 2026 | +4.0% | -3.7% | American Express raises EPS outlook as premium growth and AI expand |
| BBD Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | -7.7% | +3.0% | Bradesco: Loan growth and capital strength offset credit risks |
| BBDO Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | — | +1.7% | Bradesco: Loan growth and capital strength remain central |
Latest beats and misses
Who reports nextBeat on EPS
- FCNCAFY2026 Q3 · October 23, 2026+19.9% EPS+8.2% move
- FCNCNFY2026 Q3 · October 23, 2026+19.9% EPS+0.2% move
- FCNCOFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- FCNCPFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- RDYFY2027 Q2 · October 23, 2026+24.0% EPS-0.2% move
- SLBFY2026 Q3 · October 23, 2026+3.7% EPS+7.1% move
Missed on EPS
- INFYFY2027 Q2 · October 23, 2026-4.8% EPS-6.6% move
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
Get the FCNCA recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2025-04-10T00:01:43.729046+00:00
- Polygon adjusted daily market bars · 2026-10-26T16:10:46.309570+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-26T16:10:46.306942+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-26. For educational purposes only; not investment advice.