Filing Flows › First Citizens Bancshares (FCNCA) › Q3 2026
First Citizens Bancshares (FCNCA) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
First Citizens Bancshares (FCNCA) reported revenue of $2.4B for the third quarter 2026 (Q3 2026), 0% from a year earlier and 0% from the quarter before. Operating margin was 33.1%, net earnings $606M (24.9% of revenue).
First Citizens Bancshares, Q3 2026: revenue $2.4B (0% year over year), operating margin 33.1%, net earnings $606M, operating cash flow $902M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.4B | 0% | 0% |
| Operating profit | $805M | -10% | +7% |
| Net earnings | $606M | -10% | +7% |
| Operating cash flow | $902M | -14% | -2% |
| Free cash flow | $689M | -27% | +2% |
What changed
Revenue was $2.4B in Q3 2026, roughly flat year over year and roughly flat from the previous quarter.
Operating profit was $0.81B, a 33.1% margin (up 2.2 points year over year). Total costs fell 3% while revenue was flat. Net earnings were $0.61B, up 7% year over year. The effective tax rate was 24.7%.
Operating cash flow was $0.90B (down 2% year over year), 149% of net earnings. Non-cash charges added back $0.18B of depreciation and amortization. Working capital and other items added $0.11B. Capital expenditures of $0.21B left free cash flow of $0.69B.
Questions
What was First Citizens Bancshares' revenue in the third quarter 2026?
First Citizens Bancshares (FCNCA) reported revenue of $2.4B for the third quarter 2026 (Q3 2026), 0% from a year earlier and 0% from the quarter before.
Was First Citizens Bancshares profitable in the third quarter 2026?
Operating profit was $805M (33.1% of revenue) and net earnings $606M.