First Citizens BancShares, Inc. · FCNCO · Next earnings

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

FCNCO reports before market open with consensus EPS at $46.18 and revenue at $2.26B. Last quarter: First Citizens reports strong Q3 growth and raises guidance

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 FCNCO left off: FY2026 Q3

Full report

First Citizens reports strong Q3 growth and raises guidance

EPS surprise — Reported — vs $46.18
Revenue surprise — Reported — vs $2.26B
Stock move +0.3% Event window
Subsequent drift 0.0% Up to 20 sessions

Management raised fourth-quarter and full-year guidance for loans, deposits, net interest income and fee income.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Rate changes could compress net interest margins.
  • Higher-cost funding may be needed if FDIC note prepayment slows.
  • Fund-banking competition could pressure spreads.
  • Weaker macroeconomic conditions could affect credit quality.
  • Basel III changes may affect capital ratios.

Questions analysts left open

  • Margin outlook and NIM assumptions amid rate changes.
  • Basel III effects on CET1 and risk-weighted assets.
  • Funding mix and asset sensitivity after FDIC note prepayment.
  • Competitive spread compression in fund banking.
  • Potential slowdown in venture-backed loan activity and IPO exits.

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Recent FCNCO quarters

All FCNCO earnings
+0.3%FY2026 Q3-0.4%FY2026 Q2

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.