EPS: As of FY2025 Q2, the actual value is USD 42.36.<h3>Segment Revenue</h3><ul><li>Net Interest Income: $1,695 million in 2Q25, a 2.0% increase from 1Q25, but a 6.9% decrease from 2Q24.</li><li>Noninterest Income: $678 million in 2Q25, a 6.7% increase from 1Q25, and a 6.2% increase from 2Q24.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $575 million in 2Q25, a 19.2% increase from 1Q25, but an 18.6% decrease from 2Q24.</li><li>Operating Margin: Pre-provision net revenue was $873 million in 2Q25, an 8.4% increase from 1Q25, but an 18.7% decrease from 2Q24.</li><li>Noninterest Expense: $1,500 million in 2Q25, a 0.5% increase from 1Q25, and an 8.3% increase from 2Q24.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Not explicitly detailed in the provided reference.</li><li>Free Cash Flow: Not explicitly detailed in the provided reference.</li></ul><h3>Unique Metrics</h3><ul><li>Adjusted Efficiency Ratio: 57.92% in 2Q25, improved from 59.62% in 1Q25.</li><li>CET1 Ratio: 12.12% at the end of 2Q25.</li></ul><h3>Outlook / Guidance</h3><ul><li>Loans and Leases: Projected to be between $141 billion and $144 billion by the end of 3Q25, and between $143 billion and $146 billion for FY25.</li><li>Deposits: Expected to range from $159 billion to $162 billion by the end of 3Q25, and from $161 billion to $166 billion for FY25.</li><li>Interest Rates: Anticipated to see zero to one 25 bps cut in 3Q25, and zero to two 25 bps cuts in 2H25, with Fed funds ending between 3.75% - 4.50%.</li></ul>

First Citz Bancshare Pref Share FCNCP 5.375 Perp 03/15/25 | 8-K: FY2025 Q2 EPS: USD 42.36