First Citizens BancShares, Inc. · FCNCA · Next earnings

First Citizens BancShares, Inc. reports Friday, Oct 23, 2026

FCNCA reports before market open with consensus EPS at $46.18 and revenue at $2.26B. Last quarter: First Citizens raises Q4 outlook after strong loan and deposit growth

Reports Before market open0 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $46.18 Calendar consensus
Consensus revenue $2.26B Calendar consensus
Report date Oct 23, 2026 Friday, date estimated
Session Before market open 0 days away

Where FCNCA left off: FY2026 Q3

Full report

First Citizens raises Q4 outlook after strong loan and deposit growth

EPS surprise — Reported — vs $46.18
Revenue surprise — Reported — vs $2.26B
Stock move +9.9% Event window
Subsequent drift 0.0% Up to 20 sessions

Management guidance sentiment was raised for Q4 loan balances, net interest income, and fee income.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Higher funding costs could pressure margins as funding replaces the FDIC note.
  • Macroeconomic weakness could affect venture-capital activity and loan demand.
  • Competitive pressure could compress fund-banking spreads and pricing.
  • Basel III implementation could affect capital ratios.

Questions analysts left open

  • Margin outlook and NIM assumptions amid possible rate hikes.
  • Impact of replacing the FDIC note on net interest margin.
  • Basel III capital rule changes and CET1 ratio targets.
  • Expense growth and the effectiveness of digital-infrastructure spending.
  • Credit reserve adequacy and a potential slowdown in venture-capital exits.

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Recent FCNCA quarters

All FCNCA earnings
+9.9%FY2026 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.