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First Citizens BancShares

FCNCA · Financials

Last earnings Oct 23, 2026

AI analysis

Latest earnings event · reported Oct 23, 2026

Based on: Earnings release + Earnings deck + parent 8-K — transcript not held

No extracted figures held

The event-summary record for this company carries no extracted figures, so the brief and charts cannot be drawn yet. The summary below and the held documents are the record for this event.

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

BancShares Share Repurchase Plan announced in July 2025 ( 2025 SRP ) allows BancShares to repurchase shares of its Class A common stock through 2026, and the Share Repurchase Plan announced in October 2026 ( 2027 SRP ) allows BancShares to repurchase shares of its Class A common stock in 2027.

BancShares is not obligated under the 2025 SRP or the 2027 SRP to repurchase any minimum or particular number of shares, and repurchases may be suspended or discontinued at any time (subject to the terms of any Rule 10b5-1 plan in effect) without prior notice.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

First Citizens BancShares — Earnings release (2026-10-23)

Based on: Earnings release + Earnings deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

BancShares Share Repurchase Plan announced in July 2025 ( 2025 SRP ) allows BancShares to repurchase shares of its Class A common stock through 2026, and the Share Repurchase Plan announced in October 2026 ( 2027 SRP ) allows BancShares to repurchase shares of its Class A common stock in 2027.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

BancShares is not obligated under the 2025 SRP or the 2027 SRP to repurchase any minimum or particular number of shares, and repurchases may be suspended or discontinued at any time (subject to the terms of any Rule 10b5-1 plan in effect) without prior notice.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

The authorization to repurchase Class A common stock will be utilized at management s discretion.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

The actual timing and amount of Class A common stock that may be repurchased under the 2025 SRP or the 2027 SRP will depend on a number of factors, including the terms of any Rule 10b5-1 plan then in effect, price, general business and market conditions, regulatory requirements, and alternative investment opportunities or capital needs.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Repurchased $600 million in Class A common shares in the third quarter and in October announced a $1.2 billion share repurchase plan to begin in 2027.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

1 Returned $600 million in capital to shareholders through the repurchase of Class A common stock.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Strategy & priorities

(4) Professional fees include costs for risk transformation and strategic enhancements to technology in 3Q26, 2Q26, and 1Q26.

SEC original ↗First Citizens BancShares — Earnings release (8-K exhibit)EX-99Oct 23, 2026

Important Notices Third Quarter Overview & Strategic Priorities Section I 5 Third Quarter 2026 Snapshot Key Highlights: Strong financial results: EPS, ROE and ROA results exceeded our expectations.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Strategic balance sheet management: Balance sheet momentum continued with robust loan and deposit growth.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Brand launch completed: Aligned businesses with a unified brand strategy to enhance awareness, deepen client engagement and support long-term growth.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

138 New branches from BMO ~$4.9 B Deposits acquired ~$650 MM Loans acquired ~1.05% Weighted average cost of deposits ~5.50% Weighted average yield on loans Geographic Footprint: Strategic Rationale: Expands the General Bank branch network across 11 states, adding scale alongside First Citizens existing branch footprint.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Risks & headwinds

Such risks and uncertainties include, among others, general competitive, economic (including the imposition of tariffs, retaliatory tariff measures, trade barriers on trading partners, and supply chain disruptions), political (including impacts of any U.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

(5) Other noninterest expense includes certain litigation expenses in 3Q26, 2Q26, and 1Q26, impairment of internal use software under development in 3Q26, a nonrecurring earnings credit accrual in 3Q26, a write-off of other assets in 1Q26, and a technology fee in 4Q25.

SEC original ↗First Citizens BancShares — Earnings release (8-K exhibit)EX-99Oct 23, 2026

Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Please see important notices on forward looking statements found on page 3 for additional detail on inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict.

SEC original ↗First Citizens BancShares — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2026

Documents

Earnings deck slides

0 decks with slide view

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

First Citizens BancShares — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

33 documents

Earnings releases

9 documents

Presentations

17 documents

Transcripts

0 documents

No transcripts for First Citizens BancShares are held in this edition of the library.

Mentioned by

4 companies

Other tracked companies whose held documents mention First Citizens BancShares by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.