First Citizens BancShares Inc Class A

FCNCA: XNAS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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First Citizens Earnings: Disappointing 2026 Guidance on Both Net Interest Income and Expenses

Maoyuan Chen

Jan 23, 2026

First Citizens reported disappointing fourth-quarter results, with reported earnings per share at $45.81, down 6.9% from the prior year quarter. 2026 guidance implies a 1.7% net interest income decline and 4.1% expense growth at the midpoint, prompting shares to fall more than 7% after the release.

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First Citizens BancShares Inc Class A

First Citizens Earnings: Disappointing 2026 Guidance on Both Net Interest Income and Expenses

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