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Jun 30
First Citizens Q2 2025 Earnings Report
First Citizens reported solid Q2 2025 results with higher earnings and announced a new $4B share repurchase plan.
Key Takeaways
First Citizens BancShares delivered strong Q2 2025 results with higher net income, stable net interest margin, and robust capital levels, while expanding share repurchase plans.
Net income rose to $575M, driven by higher net interest income.
Adjusted EPS reached $44.78, reflecting strong operational performance.
New $4B share repurchase plan announced, signaling confidence in capital position.
Provision for credit losses decreased, with improved credit performance.
First Citizens
First Citizens
First Citizens Revenue by Segment
Revenue by Segment
Net interest income Revenue
CapyFin.comNoninterest income Revenue
CapyFin.com Forward Guidance
Management reiterated confidence in strong capital and liquidity, highlighting ongoing share repurchases and stable credit quality.
Positive Outlook
- Announced new $4B share repurchase plan.
- Strong capital ratios remain well above regulatory requirements.
- Liquidity position strengthened with $63.62B in liquid assets.
- Provision for credit losses decreased, showing improved credit trends.
- Steady deposit growth in key segments.
Challenges Ahead
- Nonaccrual loans increased to $1.32B, driven by one large credit.
- SVB Commercial segment loans declined.
- Continued pressure from higher borrowing costs.
- Loan growth slowed due to declines in certain segments.
- Some seasonal deposit outflows in General Bank segment.