Exploring Analyst Estimates for First Citizens (FCNCA) Q4 Earnings, Beyond Revenue and EPS

Core Viewpoint - Analysts expect First Citizens BancShares (FCNCA) to report quarterly earnings of $39.46 per share, reflecting a year-over-year decline of 15.3%, with revenues projected at $2.23 billion, down 9% from the previous year [1] Earnings Estimates - Revisions to earnings estimates are crucial indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock performance [2] Key Metrics Projections - Analysts estimate an 'Efficiency Ratio' of 58.2%, down from 60.8% a year ago [4] - 'Net Interest Margin' is expected to be 3.3%, compared to 3.9% in the previous year [4] - 'Average Balance - Total interest-earning assets' is projected at $203.62 billion, up from $196.25 billion a year ago [4] Loan and Asset Estimates - 'Nonaccrual loans at period end' are projected to reach $1.31 billion, up from $969 million in the same quarter last year [5] - 'Total nonperforming assets' are expected to be $1.35 billion, compared to $1.03 billion a year ago [5] Income Estimates - 'Net Interest Income' is projected at $1.70 billion, down from $1.91 billion a year ago [6] - 'Merchant services, net' is estimated at $12.03 million, slightly up from $12 million in the same quarter last year [6] - 'Cardholder services, net' is expected to reach $41.96 million, compared to $36 million a year ago [6] Service Charges and Fees - 'Service charges on deposit accounts' are expected to be $45.34 million, up from $44 million in the same quarter last year [7] - 'Factoring commissions' are projected at $18.91 million, down from $22 million a year ago [7] - 'International fees' are expected to be $29.48 million, slightly down from $30 million in the previous year [8] - 'Fee income and other service charges' are projected at $81.27 million, up from $80 million a year ago [8] Stock Performance - Shares of First Citizens have returned +2.7% over the past month, outperforming the Zacks S&P 500 composite, which changed by -0.4% [8]