First Citizens (FCNCA) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

First Citizens BancShares (FCNCA) reported $2.3 billion in revenue for the quarter ended March 2025, representing a year-over-year decline of 6%. EPS of $37.79 for the same period compares to $52.92 a year ago.The reported revenue represents a surprise of +4.36% over the Zacks Consensus Estimate of $2.2 billion. With the consensus EPS estimate being $37.72, the EPS surprise was +0.19%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how First Citizens performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio: 65% compared to the 58.9% average estimate based on five analysts. Net Interest Margin: 3.3% versus 3.3% estimated by five analysts on average. Net charge-off ratio: 0.4% versus 0.5% estimated by four analysts on average. Book value per share: $1,596.30 versus the four-analyst average estimate of $1,575.72. Nonaccrual loans at period end: $1.21 billion versus $1.21 billion estimated by three analysts on average. Average Balance - Total interest-earning assets: $206.03 billion compared to the $207.08 billion average estimate based on three analysts. Net Interest Income: $1.66 billion versus $1.69 billion estimated by five analysts on average. Total Noninterest Income: $635 million compared to the $491.06 million average estimate based on five analysts. Cardholder services, net: $41 million versus $41.42 million estimated by three analysts on average. Merchant services, net: $14 million versus $13.04 million estimated by three analysts on average. Factoring commissions: $17 million versus $19.80 million estimated by three analysts on average. Deposit fees and service charges: $58 million versus the three-analyst average estimate of $57.23 million. View all Key Company Metrics for First Citizens here>>>Shares of First Citizens have returned -5.6% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Zacks Names #1 Semiconductor StockIt's only 1/9,000th the size of NVIDIA which skyrocketed more than +800% since we recommended it. NVIDIA is still strong, but our new top chip stock has much more room to boom.With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $803 billion by 2028.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Citizens BancShares, Inc. (FCNCA): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks