NASDAQ$FCNCA

First Citizens BancShares Inc. · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

First Citizens BancShares reported solid financial results, completing the integration with CIT and stabilizing SVB.

First Citizens BancShares reported a net income of $514 million for Q4 2023, compared to $752 million in the previous quarter. The results were impacted by acquisition-related expenses, a decrease in the preliminary gain on acquisition, an FDIC insurance special assessment, intangible asset amortization, and a fair value adjustment on marketable equity securities.

  • Net income for the quarter was $514 million.
  • Net interest income totaled $1.91 billion.
  • Loans and leases reached $133.30 billion.
  • Deposits totaled $145.85 billion.

Headline financials

Total Revenue

$1.91B

Previous: $802M+138.2%
EPS (adj)

$46.58

Previous: $20.94+122.4%
Net Interest Margin

3.9%

Previous: 3.4%+14.9%
Capital Expenditures

$208M

Previous: $74M+181.1%
Net Income

$514M

Previous: $257M+100.0%
Operating Income

$963M

Previous: $392M+145.7%
Stock-Based Comp

$1M

Previous: $2M-50.0%

Revenue & EPS history

First Citizens · Revenue · Quarterly

$1.91B

Q4 2023+138.2%vs Q4 2022
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Revenue by segment

First Citizens · $402M total across 2 segments · Q1 2020

  • Net Interest
    $338M
  • Non-Interest
    $64M

Forward guidance

The company remains focused on prudent risk management, growing core lines of business, and maintaining solid capital and liquidity positions in 2024.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2023

Historical avgQ4 2023

+1.1%

Avg return

Earnings day

+1.8%

Avg return

5 days after

+5.2%

Avg return

30 days after

66%

42 / 64 earnings

Positive

+15.3%

Q3 2020

Best reaction

-9.6%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.5%-3.1%-2.6%
Q4 2025-8.5%-10.1%-8.5%
Q3 2025+0.3%+0.8%+7.2%
Q2 2025+1.1%-0.2%+3.7%
Q1 2025+1.1%+1.2%+2.8%
Q3 2024-9.6%-6.8%+13.0%
Q2 2024+13.3%+14.3%+8.2%
Q1 2024+7.0%+2.9%+8.6%
Q4 2023+5.1%+6.9%+8.7%
Q3 2023+3.6%+6.1%+10.3%
Q2 2023+3.4%+4.7%-3.7%
Q1 2023+12.8%+15.7%+17.5%
Q4 2022-3.2%-2.2%-7.0%
Q3 2022-5.5%-4.9%-4.9%
Q2 2022+5.1%+6.7%+13.0%
Q1 2022+3.1%+6.0%+11.9%
Q4 2021-4.9%-3.8%-3.5%
Q3 2021-2.1%+0.3%-1.0%
Q2 2021+4.5%+11.5%+17.9%
Q1 2021-2.9%-2.1%-2.8%
Q4 2020-6.5%-5.1%+20.6%
Q3 2020+15.3%+25.7%+53.6%
Q2 2020+4.3%+4.2%-2.1%
Q1 2020+8.5%+3.4%+13.0%
Q4 2019+0.6%+1.5%-9.3%
Q3 2019+0.4%-0.2%+4.8%
Q2 2019+2.2%-2.5%-2.9%
Q1 2019-0.6%+1.7%-5.8%
Q4 2018-1.0%-0.2%+6.4%
Q3 2018-0.7%-1.5%+0.2%
Q2 2018-1.1%-1.2%+15.9%
Q1 2018+2.4%+4.4%+5.2%
Q4 2017+0.8%-4.6%-4.1%
Q3 2017+6.8%+4.1%+5.8%
Q2 2017-2.8%-3.1%-8.8%
Q1 2017+3.6%+1.0%-3.7%
Q4 2016+3.1%-0.4%-1.2%
Q3 2016-1.8%-1.0%+21.7%
Q2 2016-1.1%-1.5%+4.9%
Q1 2016-0.0%
Q2 2015+1.4%
Q4 2015+2.2%
Q3 2015+7.0%
Q1 2015+0.2%
Q4 2014+0.3%
Q2 2014+0.3%
Q3 2014-0.5%
Q1 2014+1.1%
Q4 2013+0.3%
Q2 2013+0.3%
Q3 2013+4.8%
Q1 2013+1.3%
Q2 2012-2.3%
Q4 2012-2.3%
Q3 2012+1.7%
Q1 2012+0.7%
Q4 2011+2.2%
Q3 2011-0.5%
Q2 2011+1.2%
Q1 2011+0.7%
Q4 2010+0.0%
Q3 2010-5.1%
Q2 2010+1.3%
Q1 2010+4.0%

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