Time:   9:00 am (ET)     Dial-in:   To ask a question on the call, individuals may call in by dialing 800-369-1703, conference ID 3503262       For the listen only line, individuals may call in by dialing 800-475-8432, conference ID 3503264     Webcast/Presentation:   The live webcast will be available at http://investor.citizensbank.com under Events & Presentations.     Replay Information:   A replay of the conference call will be available beginning at 12:00 pm ET on January 21, 2026 thro ...

Core Viewpoint - First Citizens BancShares, Inc. will report its financial results for the quarter ended December 31, 2025, on January 23, 2026, before U.S. financial markets open [1] Group 1: Financial Results Announcement - The financial results will be discussed in a conference call and webcast scheduled for 9 a.m. Eastern time on the same day [1] - The conference call and webcast may include forward-looking statements and other material information [1] Group 2: Pre-registration and Access Information - Investors can pre-register for the call via a recommended webcast link [2] - A confirmation email with details will be sent after registration [2] - Telephone access is available for North America and other locations with specific dialing instructions provided [2] Group 3: Company Overview - First Citizens BancShares, Inc. is a top 20 U.S. financial institution with over $200 billion in assets and is a member of the Fortune 500 [3] - The company serves as the financial holding company for First-Citizens Bank & Trust Company, headquartered in Raleigh, N.C. [3] - First Citizens offers a range of banking services, including commercial banking, innovation banking, and a nationwide direct bank [3]

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) has been named Bank of the Year 2025 for the U.S. by The Banker, an outlet of The Financial Times. This is the second time Citizens has received this award as part of the publication's annual global banking awards, having previously been honored in 2022. The Banker cited Citizens' focus on strong customer relationships and steady, sustainable growth potential as setting it apart from its competitors. This includes the. ...

Group 1 - First Citizens Bank has appointed Snow Holding as Director and Market Leader of Middle Market Banking for the Northeast, focusing on business expansion in Boston and New York [1] - Holding has a six-year tenure at First Citizens, previously serving in Deposit and Treasury Services and as Manager of Business Banking in Boston [1] - The bank's middle market banking practice has been operational in the Northeast for two years, targeting clients with revenues above $75 million [2] Group 2 - First Citizens Bank aims to enhance its Business, Commercial, and Wealth presence in the Northeast region, with plans for further market expansion [2] - The bank offers a comprehensive suite of products and services designed for middle market clients, emphasizing a high-touch client-centric banking experience [2] - First Citizens BancShares, Inc. is a top 20 U.S. financial institution with over $200 billion in assets, providing a wide range of banking services nationwide [3]

Core Points - Citizens Bank, N.A. announced the redemption of its outstanding $500 million aggregate principal amount of 3.750% Senior Notes due February 18, 2026 on November 28, 2025 [1] - The redemption price for the Notes will be 100% of the principal amount plus any accrued and unpaid interest up to the Redemption Date [1] - After the Redemption Date, the Notes will no longer be outstanding [1]

Core Insights - Citizens Holding Company announced insider purchases of common stock by CEO Stacy Brantley and Director Vincent Craig Dungan [1] Summary by Categories - **Insider Transactions** - Stacy Brantley, CEO, and Vincent Craig Dungan, Director, have recently acquired common stock in Citizens Holding Company [1] - The purchases comply with the company's insider trading policy, indicating confidence in the company's future [1] - **Ownership Details** - The announcement includes details on the amount of securities acquired and the total beneficial ownership following the transactions, although specific figures are not provided in the excerpt [1]

Core Insights - First Citizens Bank's Healthcare Finance division provided $38 million in first-mortgage debt to Stockdale Capital Partners for the acquisition of Willow Oaks Corporate Center, a 401,000-square-foot medical outpatient campus in Fairfax, VA [1][2] Company Overview - Stockdale Capital Partners is a private equity real estate firm with over 30 years of experience and $2.8 billion in assets, focusing on healthcare, office, retail, and mixed-use properties in key Western U.S. markets [3] - First Citizens Bank, headquartered in Raleigh, N.C., is a top 20 U.S. financial institution with more than $200 billion in assets, offering a range of banking services including commercial banking and healthcare finance [5] Strategic Goals - Stockdale aims to leverage the tech-forward and amenity-rich environment of Willow Oaks to attract complementary healthcare providers and enhance community access to high-quality care [2] - First Citizens Bank's Healthcare Finance division provides tailored capital solutions to support healthcare owners and operators, emphasizing a client-focused and industry-centric model [4]

Core Viewpoint - Citizens (CIA) reported quarterly earnings of $0.07 per share, exceeding the Zacks Consensus Estimate of $0.06 per share, and showing an increase from $0.05 per share a year ago, indicating a positive earnings surprise of +16.67% [1] Financial Performance - Citizens posted revenues of $64.06 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.95% and up from $60.9 million year-over-year [2] - Over the last four quarters, the company has exceeded consensus EPS estimates two times and topped consensus revenue estimates twice [2] Stock Performance - Citizens shares have increased approximately 51.1% since the beginning of the year, significantly outperforming the S&P 500's gain of 15.6% [3] Future Outlook - The company's earnings outlook is crucial for investors, with current consensus EPS estimates of $0.09 on $68.62 million in revenues for the upcoming quarter and $0.25 on $253.31 million in revenues for the current fiscal year [7] - The estimate revisions trend for Citizens was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Insurance - Life Insurance industry is currently in the top 11% of over 250 Zacks industries, suggesting a favorable outlook as the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]

Core Insights - The "Beyond Wealth" study by First Citizens Wealth reveals that business owners and wealthy Americans are adapting their financial strategies to navigate economic challenges while maintaining optimism about their ventures [1][4] Group 1: Business Owners' Financial Strategies - A significant majority of business owners (66%) fund their operations through personal savings, with 40% relying on traditional bank loans [2] - Experienced entrepreneurs are more likely to utilize private equity or venture capital, with 38% of seasoned owners doing so compared to 18% of first-time owners [2] - Experienced owners are also reinvesting in their businesses at higher rates, focusing on long-term growth despite economic pressures [3] - Business owners are adjusting pricing strategies (34%), increasing marketing efforts (23%), and changing vendor relationships (22%) in response to economic challenges [3] Group 2: Business Exit Plans and Financial Confidence - Most business owners plan to exit through a sale, with family, business partners, or management as common successors, yet only 40% intend to retire post-exit [4] - There is a strong sense of control and optimism among business owners, with 54% expressing confidence in their financial situation, compared to 35% of wealthy non-owners [7] Group 3: Wealthy Americans' Financial Behavior - Wealthy Americans have diversified their sources of wealth, with "stock/options in company employed with" seeing the largest year-over-year increase [5] - Despite strong financial positions, over half of wealthy Americans feel stressed about finances, primarily due to inflation (62%) and stock market volatility (44%) [6] - Wealthy Americans are cutting back on discretionary spending, particularly on luxuries, in response to financial stressors [6] Group 4: Investment Trends Among Wealthy Americans - Most wealthy Americans focus on traditional assets like stocks and mutual funds, but there is a growing trend towards diversification, with 45% owning private equity and 35% owning cryptocurrencies [8] - Generational differences in investment preferences are evident, with Millennials favoring private equity and cryptocurrencies, while Boomers prefer more traditional savings methods [8]

Core Viewpoint - Ares Management Corporation's Co-President, Kipp deVeer, will present at the Citizens Financial Services Conference on November 18, 2025, at 12:00 pm ET [1] Company Information - The presentation will be accessible via a live audio webcast in the Investor Resources section of Ares Management's website [1]