First Citizens BancShares, Inc. · FCNCP · Next earnings

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

FCNCP reports before market open with consensus EPS at $46.18 and revenue at $2.26B. Last quarter: First Citizens: Strong Q3 growth supports a raised outlook

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 FCNCP left off: FY2026 Q3

Full report

First Citizens: Strong Q3 growth supports a raised outlook

EPS surprise — Reported — vs $46.18
Revenue surprise — Reported — vs $2.26B
Stock move +1.0% 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 fees.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Higher-cost funding could pressure margins as the Purchase Money Note declines.
  • Rate-sensitive demand, venture activity and fund-banking competition could moderate growth or spreads.
  • Basel III implementation and broader macroeconomic changes could affect capital and results.

Questions analysts left open

  • Margin trajectory as rates and funding mix change.
  • Competitive spread compression in fund banking.
  • Potential effects of Basel III changes on capital ratios.

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Recent FCNCP quarters

All FCNCP earnings
+1.0%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.