First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail ...
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$8.25 per share
Est. EPS $45.77 · Revenue $2.26B · 7 analysts
Est. EPS $47.61 · Revenue $2.28B · 7 analysts
Est. EPS $194.20 · Revenue $8.98B · 8 analysts
$8.25 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $14.5B | -3.0% | +3.6% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $2.2B | -20.6% | +25.8% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +61.4% | -1.3% | +0.9% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +20.5% | -14.8% | +22.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +15.2% | -18.1% | +21.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $2.1B | +42.5% | +3986.4% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +14.3% | +46.9% | +3850.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 161.9% | -3.8% | -4.6% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.03x | +169.5% | +6588.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $229.7B | +2.7% | +0.4% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 165.76 vs 169.04 | -1.9% | 55.48 vs 45.77 | +21.2% |
| Revenue Surprise | $14.5B vs $8.8B | +64.5% | $3.6B vs $2.3B | +59.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 19, 2026 | Morais Diane E. | director | Class A Common | A | 4 | $2167.80 |
| Aug 19, 2026 | Morais Diane E. | director | Class A Common | A | 46 | $2168.13 |
| Jul 6, 2026 | DRAPER MICHELLE | officer: Chief Marketing Officer | No securities are beneficially owned | — | 0 | — |
| Jun 5, 2026 | HOLDING FRANK B JR | director, 10 percent owner, officer: Chairman and CEO | Class B Common | A | 15 | $1780.00 |
| Jun 5, 2026 | HOLDING FRANK B JR | director, 10 percent owner, officer: Chairman and CEO | Class B Common | A | 5 | $2070.00 |
Operator : Hello, everyone. Thank you for joining us, and welcome to the First Interstate BancSystem Inc. Second Quarter 2026 Earnings Call. I will now hand the conference over to Nancy Vermeulen. Please go ahead. Nancy Vermeulen : Thanks very much. Good morning, and thank you for joining us for our second quarter earnings conference call. As we begin, please note that the information provided during this call will contain forward-looking statements. Actual results or outcomes might differ materially from those expressed by those statements. I'd like to direct all listeners to read the cautionary note regarding forward-looking statements contained in our most recent quarterly report on Form 10-K filed with the SEC and in our earnings release as well as the risk factors identified in the quarterly report and our more recent periodic reports filed with the SEC. Relevant factors that could cause actual results to differ materially from any forward-looking statements are included in the earnings release and in our SEC filings, and the company does not undertake to update any of the forward-looking statements made today. A copy of our earnings release, which contains non-GAAP financial measures, is available on our website at fibk.com. Information regarding our use of the non-GAAP financial measures may be found in the body of the earnings release and a reconciliation to their most directly comparable GAAP financial measures is included at the end of the earnings release for your reference. Again, this quarter, along with our earnings release, we've published an updated investor presentation that has additional disclosures that we believe will be helpful. The presentation can be accessed on our Investor Relations website. And if you have not downloaded a copy yet, we encourage you to do so. Please also note that as we discuss our financials today, unless otherwise noted, all of the prior period comparisons will be with the first quarter of 2026. Joining us from management this morning are Jim Reuter, our Chief Executive Officer; David Della Camera, our Chief Financial Officer; and other members of our management team. And now I'll turn the call over to Jim Reuter. Jim? James Reuter : Thank you, Nancy, and thank you for joining us on our earnings call today. During the second quarter of 2026, we continued to improve the long-term earnings power and efficiency of the franchise. Net interest margin expanded for the ninth consecutive quarter. Deposit costs continued to decline criticized loans declined meaningfully, and we further executed on operating model efficiencies while investing in relationship-driven growth. Commercial loan production improved in the second quarter, especially in the Rocky Mountain region. However, reported loan balances declined more than expected, primarily due to elevated payoffs. The payoff activity was concentrated in credits with limited relationship value, including criticized loan payoffs, secondary market activity …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Frank Brown Holding Jr. | Chairman & Chief Executive Officer | USD 9,752,000 | Male | 1961 | Active |
Hope Holding Bryant | Vice Chairwoman | USD 5,973,538 | Female | 1963 | Active |
Peter McDonald Bristow | President & Director | USD 5,940,750 | Male | 1966 | Active |
Craig Lockwood Nix | Chief Financial Officer | USD 5,031,375 | Male | 1972 | Active |
Tom Eklund | Chief Risk Officer | USD 3,419,000 | Male | — | Active |
Jeffery L. Ward | Chief Strategy Officer | USD 1,482,525 | Male | 1961 | Active |
Matthew G. T. Martin | General Counsel & Corporate Secretary | — | Male | 1980 | Active |
Gregory L. Smith | Chief Information & Operations Officer | — | Male | 1965 | Active |
West Ludwig | Chief Human Resources Officer | — | Male | 1969 | Active |
Barbara Thompson | Director of Corporate Communications & Brand Marketing | — | Female | — | Active |
Deanna W. Hart | Senior Vice President of Investor Relations | — | Female | 1978 | Active |
Middle market companies gain access to expanded suite of financing and treasury solutions RALEIGH, N.C., Aug. 4, 2026 /PRNewswire/ -- First Citizens Bank today announced that it is bringing together its factoring, asset-based lending, supply chain finance, international factoring, and receivables purchasing businesses into one group called Working Capital Finance.
New Executive Vice Presidents will oversee Northeast Regional and Community West Regions RALEIGH, N.C., Aug. 3, 2026 /PRNewswire/ -- First Citizens Bank, a top 20 U.S. bank, today announced two additions to its regional leadership team.
RALEIGH, N.C., July 30, 2026 /PRNewswire/ -- First-Citizens Bank & Trust Company ("First Citizens Bank"), the wholly owned banking subsidiary of First Citizens BancShares, Inc. ("BancShares") (Nasdaq: FCNCA), today announced the purchase of two office buildings in San Diego in support of the company's growing presence in the Southern California region.
Gabelli Funds LLC grew its position in First Citizens BancShares, Inc. (NASDAQ: FCNCA) by 18.6% during the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The fund owned 6,633 shares of the bank's stock after purchasing an additional 1,041 shares during the period.
First Citizens BancShares, Inc. (FCNCA) Q2 2026 Earnings Call Transcript
