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First Citizens (FCNCA) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
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First Citizens BancShares (FCNCA - Free Report) reported $2.24 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 1.5%. EPS of $57.09 for the same period compares to $44.78 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.16 billion, representing a surprise of +3.66%. The company delivered an EPS surprise of +41.14%, with the consensus EPS estimate being $40.45.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 63.8% compared to the 62.5% average estimate based on three analysts.
Net Interest Margin: 3.1% versus 3.1% estimated by three analysts on average.
Nonaccrual loans at period end: $1.45 billion versus the two-analyst average estimate of $1.36 billion.
Book value per share: $1,767.79 versus $1,766.74 estimated by two analysts on average.
Net charge-off ratio: 0.3% compared to the 0.4% average estimate based on two analysts.
Average Balance - Total interest-earning assets: $213.99 billion versus the two-analyst average estimate of $215.57 billion.
Net Interest Income: $1.66 billion compared to the $1.64 billion average estimate based on three analysts.
Total Noninterest Income: $776 million versus the three-analyst average estimate of $583.9 million.
Deposit fees and service charges: $74 million versus $72.98 million estimated by two analysts on average.
Merchant services, net: $13 million versus the two-analyst average estimate of $13.17 million.
Factoring commissions: $18 million compared to the $17.94 million average estimate based on two analysts.
Cardholder services, net: $38 million versus $39.24 million estimated by two analysts on average.
Shares of First Citizens have returned -1.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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First Citizens (FCNCA) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
First Citizens BancShares (FCNCA - Free Report) reported $2.24 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 1.5%. EPS of $57.09 for the same period compares to $44.78 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.16 billion, representing a surprise of +3.66%. The company delivered an EPS surprise of +41.14%, with the consensus EPS estimate being $40.45.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:View all Key Company Metrics for First Citizens here>>>
Shares of First Citizens have returned -1.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.