EPS: As of FY2025 Q2, the actual value is USD 42.36.<h3>Segment Revenue</h3><ul><li>Net Interest Income: $1,695 million for the three months ended June 30, 2025, compared to $1,821 million for the same period in 2024. For the six months ended June 30, 2025, net interest income was $3,358 million, compared to $3,638 million in 2024.</li><li>Noninterest Income: $678 million for the three months ended June 30, 2025, compared to $639 million for the same period in 2024. For the six months ended June 30, 2025, noninterest income was $1,313 million, compared to $1,266 million in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $575 million for the three months ended June 30, 2025, compared to $707 million for the same period in 2024. For the six months ended June 30, 2025, net income was $1,058 million, compared to $1,438 million in 2024.</li><li>Noninterest Expense: $1,500 million for the three months ended June 30, 2025, compared to $1,386 million for the same period in 2024. For the six months ended June 30, 2025, noninterest expense was $2,993 million, compared to $2,762 million in 2024.</li><li>Operating Profit: $758 million in 2Q25, increased by $107 million (16.6%) from 1Q25 but decreased by $221 million (-22.5%) from 2Q24.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Not explicitly detailed in the provided data.</li><li>Free Cash Flow: Not explicitly detailed in the provided data.</li></ul><h3>Unique Metrics</h3><ul><li>Efficiency Ratio: 63.22% for the three months ended June 30, 2025, compared to 56.36% for the same period in 2024. For the six months ended June 30, 2025, the efficiency ratio was 64.08%, compared to 56.33% in 2024.</li><li>Adjusted EPS: $44.78 in 2Q25.</li><li>Adjusted ROE: 11.00% in 2Q25.</li><li>Adjusted ROA: 1.07% in 2Q25.</li><li>NIM: 3.26% in 2Q25.</li><li>Adjusted Efficiency Ratio: 57.92% in 2Q25.</li><li>Loan/Deposit Change: Loans decreased by 0.1% and deposits increased by 0.4% from the linked quarter.</li><li>CET1 Ratio: 12.12% in 2Q25.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company announced an additional share repurchase plan for up to $4.0 billion of Class A common shares, reflecting commitments to long-term value creation and delivering returns to stockholders.</li><li>Forward-looking statements indicate potential impacts from economic, political, and market conditions, as well as regulatory changes.</li><li>Loans and leases: Projected to be between $141 billion and $144 billion for 3Q25 and $143 billion to $146 billion for FY25.</li><li>Deposits: Projected to be between $159 billion and $162 billion for 3Q25 and $161 billion to $166 billion for FY25.</li><li>Net interest income: Projected to be between $1.66 billion and $1.76 billion for 3Q25 and $6.68 billion to $6.88 billion for FY25.</li></ul>

First Citizens Bancshare Pref Share FCNCO 5.625 Perp 010427 | 8-K: FY2025 Q2 EPS: USD 42.36