Filing Flows › First Citizens Bancshares (FCNCA) › Q3 2025
First Citizens Bancshares (FCNCA) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
First Citizens Bancshares (FCNCA) reported revenue of $2.4B for the third quarter 2025 (Q3 2025), -0.5% from a year earlier and +3% from the quarter before. Operating margin was 30.9%, net earnings $568M (23.3% of revenue).
First Citizens Bancshares, Q3 2025: revenue $2.4B (-0.5% year over year), operating margin 30.9%, net earnings $568M, operating cash flow $916M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.4B | +3% | -0.5% |
| Operating profit | $751M | -0.9% | -14% |
| Net earnings | $568M | -1% | -11% |
| Operating cash flow | $916M | +7% | -8% |
| Free cash flow | $678M | -8% | -23% |
What changed
Revenue was $2.4B in Q3 2025, down 1% year over year and up 3% from the previous quarter.
Operating profit was $0.75B, a 30.9% margin (down 4.8 points year over year). Total costs grew 7% against a revenue fall of 1%. Net earnings were $0.57B, down 11% year over year. The effective tax rate was 24.4%.
Operating cash flow was $0.92B (down 8% year over year), 161% of net earnings. Non-cash charges added back $0.09B of depreciation and amortization. Working capital and other items added $0.26B. Capital expenditures of $0.24B left free cash flow of $0.68B.
Questions
What was First Citizens Bancshares' revenue in the third quarter 2025?
First Citizens Bancshares (FCNCA) reported revenue of $2.4B for the third quarter 2025 (Q3 2025), -0.5% from a year earlier and +3% from the quarter before.
Was First Citizens Bancshares profitable in the third quarter 2025?
Operating profit was $751M (30.9% of revenue) and net earnings $568M.