FCNCA Earnings Date: Jan 22, 2027 (Estimated) — First Citizens BancShares, Inc.
NASDAQ · Financials · Banks - Regional
Updated
When is FCNCA's next earnings date?
First Citizens BancShares, Inc. (FCNCA) is expected to report Q4 2026 earnings on Friday, January 22, 2027 at 6:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $47.47 on revenue of $2.26B.
How did FCNCA do in its last earnings report?
In its most recent report on Oct 23, 2026 (Q3 2026), First Citizens BancShares, Inc. posted EPS of $55.37 versus the $45.55 estimate, a beat of 21.6%. Revenue was $2.43B against a $2.23B estimate. The stock's 1-day post-earnings move was +8.2%.
How much does FCNCA stock move after earnings?
FCNCA beat EPS estimates in 6 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 4.8% (up or down) in the day after earnings.
About First Citizens BancShares, Inc.
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
🤖 AI Earnings Analysis
First Citizens delivered a strong quarter, beating EPS estimates by $9.82 at $55.37 and revenue expectations at $2.4B. Flat year-over-year revenue tempers the headline beat; reported growth rates appear distorted.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-23 | Q3 2026 | 45.55 | 55.37 | +21.56% | $2.43B | ✅ Beat | +8.15% | +8.46% | — |
| 2026-07-23 | Q2 2026 | 39.99 | 57.09 | +42.76% | $2.43B | ✅ Beat | +6.51% | +4.54% | +3.55% |
| 2026-04-23 | Q1 2026 | 39.20 | 44.86 | +14.44% | $2.31B | ✅ Beat | -3.40% | -3.59% | -2.76% |
| 2026-01-23 | Q4 2025 | 43.96 | 51.27 | +16.63% | $2.44B | ✅ Beat | -8.48% | -7.75% | -10.79% |
| 2025-10-23 | Q3 2025 | 41.50 | 44.62 | +7.52% | $2.43B | ✅ Beat | +0.52% | +2.49% | +4.56% |
| 2025-04-24 | Q1 2025 | 37.91 | 37.79 | -0.32% | $2.29B | ❌ Miss | +1.05% | +0.40% | +3.89% |
| 2025-01-24 | Q4 2024 | 39.11 | 45.10 | +15.32% | $2.23B | ✅ Beat | +0.38% | +0.08% | -8.64% |
| 2024-10-24 | Q3 2024 | 47.40 | 45.87 | -3.23% | $2.45B | ❌ Miss | -9.73% | -5.21% | +11.60% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $2.43B total
| Segment | Share | Revenue | YoY | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Commercial Bank | 46.4% | $1.13B | — | — | — | — | — |
| General Bank | 41.4% | $1.01B | — | — | — | — | — |
| Rail | 7.2% | $174.0M | — | — | — | — | — |
| Corporate | 5.1% | $123.0M | — | — | — | — | — |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.