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Dec 31, 2025
First Citizens Q4 2025 Earnings Report
First Citizens BancShares reported solid results for Q4 2025 with strong loan growth and continued capital returns.
Key Takeaways
The company posted net income of $580 million and continued to strengthen its balance sheet through loan growth and a partial debt prepayment. Adjusted EPS came in at $51.27 and revenue totaled $2.44 billion.
Net income reached $580 million for Q4 2025.
Adjusted EPS was $51.27, up from $44.62 in Q3.
Returned $900 million to shareholders through stock repurchases.
Prepaid $2.5 billion of the Purchase Money Note using balance sheet liquidity.
Revenue by Segment
Forward Guidance
Management expressed optimism for 2026, supported by a strong capital position, growing loan base, and recent strategic moves including the BMO branch acquisition.
Positive Outlook
- Strong loan growth led by Global Fund Banking.
- Stable credit quality and lower net charge-offs.
- Solid capital and liquidity position.
- Ongoing share repurchase program with $2.81B capacity remaining.
- Excitement around BMO branch acquisition closing in H2 2026.
Challenges Ahead
- Decrease in net interest margin.
- Decline in noninterest-bearing deposits.
- Lower investment securities due to debt prepayment.
- Higher noninterest expenses, particularly in technology and marketing.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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