First Citizens Q3 2026 slides: balance sheet growth offsets margin pressure

First Citizens BancShares (FCNCA) stock rose 8% after Q3 adjusted EPS of $55.37 beat estimates, despite a decline from Q2 due to higher credit provisions. The company approved a $1.2B buyback plan for 2027, with loans and deposits growing 4.1% and 6.8% respectively. The CET1 ratio fell to 10.24%, and management expects higher net charge-offs in Q4.

First Citizens BancShares (FCNCA) stock rose 1.9% premarket after Q3 earnings beat expectations. The bank reported revenue growth, loan and deposit increases, and strong credit quality. It also announced a $1.2B stock buyback plan.

First Citizens BancShares (FCNCA) reported Q3 EPS of $55.37, beating estimates by $9.19, with revenue of $2.27B, slightly above expectations. The stock is up 2.78% over 3 months and 23.75% over 12 months. Analysts have revised EPS estimates 7 times positively and 2 times negatively in the last 90 days. The company's Financial Health score is rated as 'good performance' by InvestingPro.

First Citizens BancShares (FCNCA) reported Q3 net income of $577M, up from $554M YoY, with EPS rising to $51.23. Net interest income fell to $1.7B. The board approved a $1.2B share buyback plan and declared a $2.25 quarterly dividend. The CEO cited strong growth and credit quality.

First Citizens BancShares (FCNCA) reported Q3 2026 results. Net interest income was $1.70B, beating estimates by 0.9%. Revenue grew 8% YoY to $2.43B, exceeding expectations. Adjusted EPS was $55.37, a 20.4% beat. Net interest margin missed by 2.8 basis points, and the efficiency ratio missed by 316 basis points. Tangible book value per share grew 3.6% YoY but missed estimates by 3.3%.

First Citizens BancShares (FCNCA) reported Q3 adjusted EPS of $55.37, beating estimates, with revenue of $2.43B. The company approved a $1.2B share buyback program. Net income was $577M, or $51.23 per share. Shares rose 1.5% post-results. Revenue grew due to net interest income, but net interest margin declined slightly.