<span item_type="fundamental" item_id="5679c87f0bb5686054e71d097a9b528e" counter_id="ST/US/FCNCO" env="prod"></span><span item_type="announcement" item_id="542050755303901825" env="prod"></span><p>每股收益：截至 2025 财年 Q2，公布值为 42.36 美元。</p><p></p><h3>财务数据概览</h3><h4>净收入</h4><ul><li>净利息收入：$1,695 百万，同比增长 2.0%，环比下降 6.9%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>非利息收入：$678 百万，同比增长 6.2%，环比增长 6.7%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>总收入：$2,373 百万，同比增长 3.3%，环比下降 3.5%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li></ul><h4>运营指标</h4><ul><li>净收入：$575 百万，同比增长 19.2%，环比下降 18.6%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>可供普通股股东的净收入：$561 百万，同比增长 19.8%，环比下降 18.9%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>调整后每股收益（EPS）：$44.78<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>调整后股本回报率（ROE）：11.00%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>调整后资产回报率（ROA）：1.07%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>净息差（NIM）：3.26%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>调整后效率比率：57.92%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li></ul><h4>现金流</h4><ul><li>运营现金流：未提供具体数据。</li><li>自由现金流：未提供具体数据。</li></ul><h4>独特指标</h4><ul><li>贷款和存款变化：贷款减少 0.1%，存款增加 0.4%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>CET1 比率：12.12%<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li></ul><h3>展望/指导</h3><ul><li>预计 2025 年第三季度贷款和租赁终值在$1410 亿至$1440 亿之间，全年预计在$1430 亿至$1460 亿之间<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>预计 2025 年第三季度存款终值在$1590 亿至$1620 亿之间，全年预计在$1610 亿至$1660 亿之间<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li><li>预计 2025 年第三季度净利息收入在$16.6 亿至$17.6 亿之间，全年预计在$66.8 亿至$68.8 亿之间<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/798941/000079894125000034/a2q2025investorpresentat.htm"></span>。</li></ul>

First Citizens Bancshare Pref Share FCNCO 5.625 Perp 010427｜8-K：2025 财年 Q2 每股收益 42.36 美元