Revenue: As of FY2025 Q3, the actual value is USD 2.429 B.EPS: As of FY2025 Q3, the actual value is USD 43.08.<h3>Segment Revenue</h3><ul><li>Net Interest Income: Increased by $39 million from the previous quarter, totaling $1,734 million, but decreased by $62 million compared to the same quarter last year.</li><li>Noninterest Income: Increased by $21 million from the previous quarter, totaling $699 million, and increased by $49 million compared to the same quarter last year.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Decreased by $7 million from the previous quarter, totaling $568 million, and decreased by $71 million compared to the same quarter last year.</li><li>Operating Margin: The efficiency ratio improved from 57.92% to 56.78% compared to the previous quarter.</li><li>Provision for Credit Losses: Increased by $76 million from the previous quarter, totaling $191 million, and increased by $74 million compared to the same quarter last year.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Not explicitly detailed in the reference.</li><li>Free Cash Flow: Not explicitly detailed in the reference.</li></ul><h3>Unique Metrics</h3><ul><li>Loan Growth: Total loans increased by $3.5 billion or 2.5% from the previous quarter, driven primarily by Global Fund Banking within the SVB Commercial segment.</li><li>Deposit Growth: Total deposits increased by $3.3 billion or 2.0% from the previous quarter, driven by growth in the SVB Commercial and General Bank segments.</li></ul><h3>Outlook / Guidance</h3><ul><li>Loans and Leases: Projected to be between $143 billion and $146 billion by the end of 2025.</li><li>Deposits: Projected to be between $161 billion and $165 billion by the end of 2025.</li><li>Interest Rates: Expected to see zero to two 25 basis point cuts in the fourth quarter of 2025, with the Federal funds rate ending between 3.50% and 4.25%.</li><li>Acquisition: First Citizens BancShares anticipates the acquisition of 138 BMO Bank branches to close in mid-2026, which is expected to enhance its liquidity position and support strategic initiatives.</li></ul>

First Citizens Bancshare Pref Share FCNCO 5.625 Perp 010427 | 8-K: FY2025 Q3 Revenue: USD 2.429 B