First Citizens (FCNCA) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - First Citizens BancShares (FCNCA) reported a revenue of $2.25 billion for the quarter ended December 2025, reflecting a decrease of 6.5% year-over-year, while EPS increased to $51.27 from $45.10 in the previous year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $2.21 billion, resulting in a positive surprise of +1.67%, and the EPS also surpassed the consensus estimate of $44.21 by +15.96% [1] Financial Performance Metrics - Efficiency Ratio stood at 64.5%, higher than the average estimate of 59.3% based on five analysts [4] - Net Interest Margin was reported at 3.2%, matching the average estimate from five analysts [4] - Net charge-off ratio was 0.4%, consistent with the average estimate from four analysts [4] - Book value per share was $1,718.71, slightly above the average estimate of $1,709.37 from four analysts [4] - Nonaccrual loans at period end totaled $1.31 billion, lower than the average estimate of $1.43 billion from three analysts [4] - Average Balance of Total interest-earning assets was $213.29 billion, slightly below the average estimate of $213.55 billion from three analysts [4] - Net Interest Income reached $1.72 billion, exceeding the average estimate of $1.71 billion from five analysts [4] - Total Noninterest Income was reported at $715 million, significantly higher than the average estimate of $531.54 million from five analysts [4] - Factoring commissions amounted to $20 million, above the average estimate of $18.03 million from three analysts [4] - Cardholder services, net, were $37 million, slightly below the average estimate of $39.86 million from three analysts [4] - Deposit fees and service charges totaled $63 million, exceeding the average estimate of $60.7 million from three analysts [4] - Merchant services, net, were reported at $13 million, above the average estimate of $12.04 million from three analysts [4] Stock Performance - Shares of First Citizens have returned +0.9% over the past month, outperforming the Zacks S&P 500 composite's +0.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]