For the quarter ended December 2025, First Citizens BancShares (FCNCA Quick QuoteFCNCA - Free Report) reported revenue of $2.25 billion, down 6.5% over the same period last year. EPS came in at $51.27, compared to $45.10 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $2.21 billion, representing a surprise of +1.67%. The company delivered an EPS surprise of +15.96%, with the consensus EPS estimate being $44.21.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Citizens performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 64.5% compared to the 59.3% average estimate based on five analysts.
• Net Interest Margin: 3.2% compared to the 3.2% average estimate based on five analysts.
• Net charge-off ratio: 0.4% versus 0.4% estimated by four analysts on average.
• Book value per share: $1,718.71 compared to the $1,709.37 average estimate based on four analysts.
• Nonaccrual loans at period end: $1.31 billion versus the three-analyst average estimate of $1.43 billion.
• Average Balance - Total interest-earning assets: $213.29 billion compared to the $213.55 billion average estimate based on three analysts.
• Net Interest Income: $1.72 billion compared to the $1.71 billion average estimate based on five analysts.
• Total Noninterest Income: $715 million versus $531.54 million estimated by five analysts on average.
• Factoring commissions: $20 million versus the three-analyst average estimate of $18.03 million.
• Cardholder services, net: $37 million versus $39.86 million estimated by three analysts on average.
• Deposit fees and service charges: $63 million versus $60.7 million estimated by three analysts on average.
• Merchant services, net: $13 million versus $12.04 million estimated by three analysts on average.

View all Key Company Metrics for First Citizens here>>>

Shares of First Citizens have returned +0.9% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.