First Citizens Q3 diluted EPS $43.08 (adjusted $44.62); net income $568M; BMO branch acquisition announced

FIRST CITIZENS BANCSHARES INC /DE/

2025-Q3 EPS reported $119.70 revenue$7,104,000,000

Diluted EPS $43.08 GAAP, $44.62 adjusted; net income $568M vs $639M a year ago.
Net interest income $1.734B, down 3.5% YoY; provision for credit losses $191M (up from $117M).
Total loans $144.8B, deposits $163.2B, up 4.4% and 7.7% YoY respectively.
Announced acquisition of 138 BMO branches assuming ~$5.7B deposits and ~$1.1B loans; expected close mid-2026.
Returned $900M via share repurchases in Q3; CET1 ratio 11.65%.

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