Sep 2026 (Q3 FY26) — Oct 23, 2026
First Citizens Q3 FY26 — Strong Loan & Deposit Growth, Capital Return, and FDIC Note Prepayment
Read the full callFirst Citizens earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 2,432 | +2.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 672 | +16.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
37 of 43 judged targets kept · 61 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Partial paydown of the FDIC purchase money note | pay down a portion of the note during 2026 | Mar 2025 | This brings our total cumulative prepayments to $8.5 billion | Achieved |
| Full-year adjusted noninterest expense | $5.37 billion to $5.46 billion | Dec 2025 | full year in the $5.34 billion to $5.41 billion range, both improvements from our previous guidance | Revised Up |
| Sale of the mortgage loan portfolio moved to held for sale | a strategic sale of the approximately $700 million mortgage portfolio in the first quarter of 2026 | Dec 2025 | Ghosted |
6 of FIRST CITIZENS BANCSHARES INC /DE/'s 104 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 101 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $1,742.49 on 22 Oct 2025 → $2,375.84. High $2,375.84 (23 Oct 2026), low $1,742.49 (22 Oct 2025).
Overview
Guidance
37 of 43 judged targets kept · 61 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Partial paydown of the FDIC purchase money note | pay down a portion of the note during 2026 | Mar 2025 | This brings our total cumulative prepayments to $8.5 billion | Achieved |
| Full-year adjusted noninterest expense | $5.37 billion to $5.46 billion | Dec 2025 | full year in the $5.34 billion to $5.41 billion range, both improvements from our previous guidance | Revised Up |
| Sale of the mortgage loan portfolio moved to held for sale | a strategic sale of the approximately $700 million mortgage portfolio in the first quarter of 2026 | Dec 2025 | Ghosted |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 104 tracked commitments, with each call’s wording and source.
Call summaries
First Citizens Q3 FY26 — Strong Loan & Deposit Growth, Capital Return, and FDIC Note Prepayment
Read the full callFirst Citizens BancShares Q2 FY26 — Strong Top-Line Growth and Capital Management
Read the full callFirst Citizens BancShares Q1 FY26 — Strong Deposit Growth and Capital Optimization
Read the full callEvery analysed call
Financials
Net profit, year on year: +17% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 2,446 | 2,408 | 2,298 | 2,373 | 2,433 | 2,437 | 2,313 | 2,432 |
| Profit before tax | 873 | 736 | 651 | 758 | 751 | 811 | 705 | 891 |
| Tax rate | 26.8% | 4.9% | 25.8% | 24.1% | 24.4% | 28.5% | 24.3% | 24.6% |
| Net profit | 639 | 700 | 483 | 575 | 568 | 580 | 534 | 672 |
| EPS ($ per share) | 43.42 | — | 34.47 | 42.36 | 43.08 | — | 42.63 | 55.52 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Reserves | 3,219 | 3,658 | 3,867 | 4,378 | 5,392 | 16,742 | 19,361 | 20,768 |
| Total liabilities | 31,920 | 36,238 | 45,728 | 53,571 | 99,636 | 192,503 | 201,492 | 207,460 |
| Fixed assets | 1,204 | 1,244 | 1,251 | 1,233 | — | 1,877 | 2,006 | 2,447 |
| Total assets | 35,409 | 39,824 | 49,958 | 58,309 | 109,298 | 213,758 | 223,720 | 229,698 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 454 | 578 | 376 | -284 | 2,791 | 2,660 | 2,988 | 2,923 |
| Cash from investing | 101 | -1,596 | -9,908 | -7,568 | 75 | 2,429 | -10,155 | -5,611 |
| Cash from financing | -564 | 1,067 | 9,517 | 7,828 | -2,686 | -4,699 | 7,073 | 2,675 |
| Net cash flow | -9 | 49 | -15 | -24 | 180 | 390 | -94 | -13 |
| Capital expenditure | -140 | -121 | -133 | -107 | -155 | -405 | -429 | -710 |
| Free cash flow | 313 | 457 | 243 | -391 | 2,636 | 2,255 | 2,559 | 2,213 |
| Segment | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|
| Commercial Bank | 18% | 19% | 19% | 123% | 47% | 46% | +150.3% |
| General Bank | 41% | 42% | 42% | 41% | 43% | 41% | +1.8% |
| Rail | 7% | 7% | 7% | 7% | 8% | 7% | +3.6% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
| KPI | Mar 2026 Q1 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 3.09%In line with our previous guidance, net interest income declined by $101 million, with NIM compressing 11 basis points to 3.09%.Source: earnings call transcript | 3.07%On a headline basis, NIM was 3.07% while NIM, excluding accretion, was 2.99%, reflecting excellent margin stability in the current environment and remaining essentially in line with our expected band in the prior quarter.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
134 filings between Nov 13, 2025 and Sep 15, 2026.
Purchases
$13.61M
62 purchases by 4 insiders
Sales
$15.55M
11 sales by 3 insiders
Also filed: 61 gifts.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| HOLDING FRANK B JR | $13.18M | $10.26M | Jun 5, 2026 |
| Alemany Ellen R | $300.0K | $5.16M | Jun 4, 2026 |
| Holding Olivia Britton | — | $136.7K | Sep 15, 2026 |
| Morais Diane E. | $108.4K | — | Aug 19, 2026 |
| Snow Ralph Mattox III | $21.4K | — | Mar 5, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 15, 2026 | Holding Olivia Britton 10% owner | Sale | 5,000 | $97.5K |
| Sep 15, 2026 | Holding Olivia Britton 10% owner | Sale | 2,000 | $39.2K |
| Aug 19, 2026 | Morais Diane E. Director | Purchase | 4 | $8.7K |
| Aug 19, 2026 | Morais Diane E. Director | Purchase | 46 | $99.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 15 | $26.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 15 | $26.3K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 50 | $87.2K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 2 | $3.8K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 15 | $27.1K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 8 | $16.1K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 96 | $172.8K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 61 | $109.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $1.8K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 3 | $5.8K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 41 | $76.0K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 12 | $22.6K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 150 | $276.0K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $1.9K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 111 | $210.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 5 | $10.3K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 15 | $26.5K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 11 | $19.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 43 | $84.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 23 | $46.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 47 | $96.3K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 21 | $38.9K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 2 | $4.1K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 26 | $51.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 3 | $5.7K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 34 | $70.2K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 2 | $3.6K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $2.1K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 21 | $40.3K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 50 | $91.8K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $1.9K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $2.0K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 26 | $51.9K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 60 | $111.6K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 2 | $4.0K |
| Jun 5, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 25 | $48.8K |
| Jun 4, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 31 | $53.6K |
| Jun 4, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $1.7K |
| Jun 4, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 1 | $1.7K |
| Jun 4, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 3 | $5.1K |
| Jun 4, 2026 | Alemany Ellen R Director | Sale | 1 | $2.1K |
| Jun 4, 2026 | Alemany Ellen R Director | Sale | 10 | $20.5K |
| Jun 4, 2026 | Alemany Ellen R Director | Sale | 1,136 | $2.33M |
| Jun 4, 2026 | Alemany Ellen R Director | Sale | 93 | $189.1K |
| Jun 4, 2026 | Alemany Ellen R Director | Sale | 37 | $75.9K |
| Jun 4, 2026 | HOLDING FRANK B JR Chairman and CEO | Purchase | 25 | $44.9K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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