First Citizens BancShares, Inc. - Class A Common Stock (FCNCA)

In the opening weeks of 2024, the shadow of the previous year’s banking failures loomed large over the financial sector. After the dramatic collapses of Silicon Valley Bank and First Republic in 2023, investors entered the 2024 earnings season with a singular question: was the crisis truly over, or

Shares of regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) fell 8.7% in the morning session after it reported fourth-quarter results which revealed underlying signs of weakness in profitability and future growth. 

Regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) reported Q4 CY2025 results beating Wall Street’s revenue expectations, with sales up 9.5% year on year to $2.44 billion. Its non-GAAP profit of $51.27 per share was 17.1% above analysts’ consensus estimates.

Regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) will be announcing earnings results this Friday morning. Here’s what investors should know.

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at First Citizens BancShares (NASDAQ:FCNCA) and the best and worst performers in the regional banks industry.

When a lender is firing on all cylinders and still gets cut, it says less about the company and more about how investors might be thinking about risk, timing, and opportunity cost.

A quiet regional bank purchase hints at a longer-term thesis that has less to do with momentum and more to do with patience and balance-sheet math.

First Citizens BancShares trades at $2,067 and has moved in lockstep with the market. Its shares have returned 13.8% over the last six months while the S&P 500 has gained 13.1%.

Market swings can be tough to stomach, and volatile stocks often experience exaggerated moves in both directions. While many thrive during risk-on environments, many also struggle to maintain investor confidence when the ride gets bumpy.

Mid-cap stocks often strike the right balance between having proven business models and market opportunities that can support $100 billion corporations. However, they face intense competition from scaled industry giants and can be disrupted by new innovative players vying for a slice of the pie.

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

The best-performing stocks typically have robust sales growth, increasing margins, and rising returns on capital, and those that can maintain this trifecta year in and year out often become the legends of the investing world.

First Citizens BancShares delivered third quarter results that modestly exceeded Wall Street’s revenue and non-GAAP profit expectations, while sales remained flat compared to the prior year. Management attributed stable performance to net interest income growth, disciplined expense management, and continued deposit inflows, particularly from the SVB Commercial division. CEO Frank Holding cited a seventh consecutive quarter of deposit growth and highlighted strong loan production in Global Fund Banking. CFO Craig Nix noted that, despite a one-off charge-off related to the First Brands bankruptcy, credit quality remained within anticipated ranges and the overall loan portfolio showed resilience. The management team emphasized ongoing efforts to maintain capital strength and operational efficiency through automation and platform integration.

Regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) announced better-than-expected revenue in Q3 CY2025, but sales were flat year on year at $2.43 billion. Its non-GAAP profit of $44.62 per share was 7.5% above analysts’ consensus estimates.

Wall Street is overwhelmingly bullish on the stocks in this article, with price targets suggesting significant upside potential. However, it’s worth remembering that analysts rarely issue sell ratings, partly because their firms often seek other business from the same companies they cover.

Regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) reported Q3 CY2025 results beating Wall Street’s revenue expectations, but sales were flat year on year at $2.43 billion. Its non-GAAP profit of $44.62 per share was 7.5% above analysts’ consensus estimates.

Energy markets dominated headlines Thursday as a fresh wave of U.S. sanctions targeting Russia's oil giants sparked a sharp rebound in crude prices and lifted energy shares.

First Citizens BancShares (FCNCA) Q3 2025 earnings beat EPS estimates but missed on revenue, leading to a muted market reaction.

Regional banking company First Citizens BancShares (NASDAQGS:FCNC.A) will be reporting earnings this Thursday before market hours. Here’s what you need to know.