First Citizens BancShares Second Quarter 2025 Earnings: EPS Beats Expectations
First Citizens BancShares reported its Q2 2025 earnings, with revenue at $2.26 billion, down 4.5% from Q2 2024, and net income at $561 million, a 19% decrease. The profit margin fell to 25%, and EPS was $42.38, down from $47.54. Despite these declines, EPS beat expectations by 8.3%. Revenue is projected to grow 3.0% annually over the next three years, compared to 7.7% for the US banking industry. The stock is down 1.9% over the past week, and the company may be undervalued based on various benchmarks.
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First Citizens BancShares (NASDAQ:FCNC.A) Second Quarter 2025 Results
Key Financial Results
- Revenue: US$2.26b (down 4.5% from 2Q 2024).
- Net income: US$561.0m (down 19% from 2Q 2024).
- Profit margin: 25% (down from 29% in 2Q 2024). The decrease in margin was primarily driven by lower revenue.
- EPS: US$42.38 (down from US$47.54 in 2Q 2024).
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All figures shown in the chart above are for the trailing 12 month (TTM) period
First Citizens BancShares EPS Beats Expectations
Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 8.3%.
Looking ahead, revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 7.7% growth forecast for the Banks industry in the US.
Performance of the American Banks industry.
The company's shares are down 1.9% from a week ago.
Valuation
Following the latest earnings results, First Citizens BancShares may be undervalued based on 6 different valuation benchmarks we assess. Click here to view our comprehensive analysis and gain insights into the stock's investment prospects.
