First Citizens BancShares (FCNCA) Q3 2025 Earnings: EPS Beats, Revenue Misses Estimates

First Citizens BancShares Inc -CL A (NASDAQ:FCNCA) has released its financial results for the third quarter of 2025, presenting a mixed performance against analyst expectations. The earnings report, detailed in a recent press release, shows the company delivered a notable beat on earnings per share but fell short on revenue, a combination that has led to a muted market reaction in pre-market trading.

Earnings and Revenue Performance

The bank holding company reported non-GAAP earnings per share (EPS) of $44.62 for the quarter, surpassing the consensus analyst estimate of $43.23. This represents an earnings beat of approximately 3.2%, indicating stronger than anticipated profitability. In contrast, the company's reported revenue of $2.252 billion came in below the estimated $2.357 billion, marking a revenue miss of roughly 4.5%. The divergence between EPS outperformance and revenue underperformance suggests the company may have exercised effective cost management or benefited from non-operational items to bolster its bottom line, even as top-line growth disappointed.

Market Reaction and Recent Performance

The market's initial response to this mixed report has been cautiously neutral. In pre-market trading, the stock has shown a slight uptick of 0.087%, a minimal movement that reflects investor indecision. This tepid reaction is consistent with the stock's recent trajectory, which has seen a decline over the past month. The short-term performance metrics illustrate a period of weakness leading up to the earnings announcement:

• Last Week: -0.22%
• Last Two Weeks: -0.78%
• Last Month: -5.05%

The lack of a strong positive surge despite the EPS beat underscores the market's focus on the revenue miss and potentially on the broader context provided in the press release.

Press Release Summary and Outlook Context

The company's press release formally announced its third-quarter 2025 earnings. While the full text would provide granular detail on segment performance and management commentary, the available summaries also highlight a separate announcement from the Board of Directors regarding the declaration of dividends. This signals a continued commitment to returning capital to shareholders. The provided materials do not include a specific financial outlook or guidance from management for the upcoming quarters. Consequently, the market reaction is being driven purely by the Q3 results against estimates, without the influence of forward-looking company projections.

Analyst Estimates for the Future

Looking ahead, analysts have established estimates for the company's future performance. For the current full year 2025, analysts are projecting sales of $9.381 billion. The focus now shifts to the fourth quarter of 2025, for which the Street has set the following expectations:

• Estimated Q4 2025 EPS: $45.15
• Estimated Q4 2025 Sales: $2.371 billion

Investors will be watching closely to see if First Citizens can translate its operational efficiency into top-line growth to meet or exceed these future targets.

For a detailed breakdown of historical earnings, future estimates, and analyst revisions, you can review the data available on the FCNCA earnings and estimates page.

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Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation, or an endorsement to buy or sell any securities. The information presented should not be used as the sole basis for any investment decision.