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FirstSun Capital Bancorp(FSUN)Earnings, Financials & Key Ratios
FSUN•NASDAQ•Banking & Credit
$36.73
$1.02B mkt cap·10.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirstSun Capital Bancorp operates as a bank holding company for Sunflower Bank that provides a range of commercial and consumer banking, and financial services to small and medium-sized companies. The company offers deposit products, including noninterest bearing accounts, interest-bearing demand products, checking and savings accounts, money market and term certificate accounts, and certificates of deposit. It also provides commercial and industrial, owner-occupied and non-owner occupied commercial real estate mortgage, 1-4 family, home equity, and multi-family loans, as well as consumer loans comprising direct consumer installment loans, credit card accounts, overdrafts, and other revolving loans. In addition, it provides remote deposit and cash management products; treasury management products and services; and wealth management and trust products, including personal trust and agency accounts, employee benefit and retirement related trust and agency accounts, investment management and advisory agency accounts, and foundation and endowment trust and agency accounts. It provides its services through branches in Kansas, Colorado, New Mexico, Texas, and Arizona. The company was formerly known as Sunflower Financial, Inc. and changed its name to FirstSun Capital Bancorp in June 2017. FirstSun Capital Bancorp was founded in 1892 and is headquartered in Denver, Colorado.Show more
- Net Interest Income$317M+6.9%
- Total Revenue$570M+5.5%
- Net Income$98M+29.5%
- Return on Equity8.92%+13.2%
- Net Interest Margin3.74%+2.0%
- Efficiency Ratio47.32%+0.3%
- ROA1.18%+24.8%
- Equity / Assets13.59%+5.7%
- Book Value per Share40.81+10.0%
- Tangible BV/Share37.32+22.4%
- Debt/Equity0.03-71.2%
FSUN Key Insights
FirstSun Capital Bancorp (FSUN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong 5Y profit CAGR of 15.5%
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 3.7%
- ✓Efficient operations: 47.3% efficiency ratio
- ✓Well capitalized: 13.6% equity/assets
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FSUN Price & Volume
FirstSun Capital Bancorp (FSUN) stock price & volume — 10-year historical chart
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FSUN Growth Metrics
FirstSun Capital Bancorp (FSUN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years13.68%
3 Years17.86%
TTM-
Profit CAGR
10 Years-
5 Years15.53%
3 Years18.28%
TTM29.5%
EPS CAGR
10 Years-
5 Years13.07%
3 Years12.49%
TTM28.15%
Return on Capital
10 Years7.06%
5 Years9.29%
3 Years9.93%
Last Year9.04%
FSUN Recent Earnings
FirstSun Capital Bancorp (FSUN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (50%)●Beat Revenue 3/12 qtrs (38%)
Q2 2026Latest
Apr 27, 2026EPS
$0.84
Est $0.90
-6.7%
Revenue
$110M
Est $109M
+1.1%
Q2 2026
Mar 6, 2026EPS
$0.88
Revenue
$146M
Q1 2026
Jan 26, 2026EPS
$0.95
Est $0.86
+10.5%
Revenue
$110M
Est $108M
+2.4%
Q4 2025
Oct 27, 2025EPS
$0.82
Est $0.89
-7.7%
Revenue
$107M
Est $107M
+0.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.84vs $0.90-6.7% | $110Mvs $109M+1.1% |
| Q2 2026 | Mar 6, 2026 | $0.88 | $146M |
| Q1 2026 | Jan 26, 2026 | $0.95vs $0.86+10.5% | $110Mvs $108M+2.4% |
| Q4 2025 | Oct 27, 2025 | $0.82vs $0.89-7.7% | $107Mvs $107M+0.3% |
Based on last 12 quarters of dataView full earnings history →
FSUN Peer Comparison
FirstSun Capital Bancorp (FSUN) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 TCBK | 1.63B | 50.80 | 13.69 | 1.78% | 9.43% | 0.06 | ||
 CVBF | 2.8B | 20.63 | 13.57 | -2.33% | 9.25% | 0.43 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 SBCF | 3.06B | 31.36 | 19.85 | 7.49% | 5.83% | 0.44 | ||
 TFIN | 1.6B | 67.22 | 72.28 | 5.83% | 3.4% | |||
 HFBL | 61.37M | 19.96 | 15.84 | -2.88% | 9.28% | 0.07 |
Compare FSUN vs Peers
FirstSun Capital Bancorp (FSUN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FSUN Income Statement
FirstSun Capital Bancorp (FSUN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 127.22M | 135.95M | 155.23M | 241.63M | 293.43M | 296.91M | 317.39M |
| NII Growth % | - | 6.86% | 14.18% | 55.66% | 21.44% | 1.19% | 6.9% |
| Net Interest Margin % | 3.04% | 2.72% | 2.74% | 3.25% | 3.72% | 3.67% | 3.74% |
| Interest Income | 155.84M | 156.84M | 169.35M | 266.82M | 413.68M | 459.54M | 467.77M |
| Interest Expense | 28.62M | 20.88M | 14.12M | 25.18M | 120.25M | 162.63M | 150.38M |
| Loan Loss Provision | 6.05M | 23.1M | 3M | 18.05M | 18.25M | 27.55M | 24.6M |
| Non-Interest Income | 70.97M | 143.17M | 118M | 81.1M | 71.52M | 80.53M | 101.88M |
| Non-Interest Income % | 31.29% | 47.72% | 41.06% | 23.31% | 14.74% | 14.91% | 17.88% |
| Total Revenue | 226.81M▲ 0% | 300.01M▲ 32.3% | 287.36M▼ 4.2% | 347.92M▲ 21.1% | 485.21M▲ 39.5% | 540.07M▲ 11.3% | 569.65M▲ 5.5% |
| Revenue Growth % | - | 32.28% | -4.22% | 21.08% | 39.46% | 11.31% | 5.48% |
| Non-Interest Expense | 170.2M | 198.86M | 218.39M | 230.66M | 215.22M | 254.78M | 269.56M |
| Efficiency Ratio | 75.04% | 66.28% | 76% | 66.3% | 44.36% | 47.18% | 47.32% |
| Operating Income | 21.94M▲ 0% | 57.16M▲ 160.6% | 51.84M▼ 9.3% | 74.02M▲ 42.8% | 131.48M▲ 77.6% | 95.11M▼ 27.7% | 125.11M▲ 31.5% |
| Operating Margin % | 9.67% | 19.05% | 18.04% | 21.28% | 27.1% | 17.61% | 21.96% |
| Operating Income Growth % | - | 160.56% | -9.31% | 42.78% | 77.63% | -27.66% | 31.54% |
| Pretax Income | 21.94M▲ 0% | 57.16M▲ 160.6% | 51.84M▼ 9.3% | 74.02M▲ 42.8% | 131.48M▲ 77.6% | 95.11M▼ 27.7% | 122.9M▲ 29.2% |
| Pretax Margin % | 9.67% | 19.05% | 18.04% | 21.28% | 27.1% | 17.61% | 21.57% |
| Income Tax | 1.44M | 9.58M | 8.68M | 14.84M | 27.95M | 19.48M | 24.96M |
| Effective Tax Rate % | 6.55% | 16.76% | 16.74% | 20.05% | 21.26% | 20.49% | 20.31% |
| Net Income | 20.5M▲ 0% | 47.59M▲ 132.1% | 43.16M▼ 9.3% | 59.18M▲ 37.1% | 103.53M▲ 74.9% | 75.63M▼ 27.0% | 97.94M▲ 29.5% |
| Net Margin % | 9.04% | 15.86% | 15.02% | 17.01% | 21.34% | 14% | 17.19% |
| Net Income Growth % | - | 132.09% | -9.29% | 37.11% | 74.94% | -26.95% | 29.5% |
| Net Income (Continuing) | 20.5M | 47.59M | 43.16M | 59.18M | 103.53M | 75.63M | 97.94M |
| EPS (Diluted) | 0.82▲ 0% | 1.91▲ 132.9% | 1.74▼ 8.9% | 2.48▲ 42.5% | 4.08▲ 64.5% | 2.69▼ 34.1% | 3.53▲ 31.2% |
| EPS Growth % | - | 132.93% | -8.9% | 42.53% | 64.52% | -34.07% | 31.23% |
| EPS (Basic) | 0.82 | 1.91 | 1.74 | 2.55 | 4.15 | 2.76 | 3.58 |
| Diluted Shares Outstanding | 24.88M | 24.88M | 24.88M | 23.84M | 25.39M | 28.07M | 28.26M |
FSUN Balance Sheet
FirstSun Capital Bancorp (FSUN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 144.53M | 670.56M | 1.24B | 880.5M | 996.12M | 620.44M | 1.12B |
| Cash & Due from Banks | 144.53M | 201.98M | 668.46M | 343.53M | 479.36M | 615.92M | 652.59M |
| Short Term Investments | 0 | 468.59M | 572.5M | 536.97M | 516.76M | 4.52M | 468.97M |
| Total Investments | 0 | 4.49B | 4.7B | 6.53B | 6.86B | 6.95B | 7.06B |
| Investments Growth % | - | - | 4.61% | 39% | 4.95% | 1.38% | 1.51% |
| Long-Term Investments | 0 | 4.02B | 4.13B | 6B | 6.34B | 6.95B | 6.59B |
| Accounts Receivables | 0 | 15.42M | 14.76M | 28.54M | 37.1M | 32.1M | 33.84M |
| Goodwill & Intangibles | 73.62M | 71.86M | 89.95M | 183.62M | 181.33M | 185.28M | 98.47M |
| Goodwill | 33.05M | 33.05M | 33.05M | 93.48M | 93.48M | 93.48M | 93.48M |
| Intangible Assets | 40.57M | 38.81M | 56.91M | 90.14M | 87.85M | 91.8M | 4.98M |
| PP&E (Net) | 61.98M | 56.76M | 53.15M | 116.52M | 109.07M | 104.96M | 81.52M |
| Other Assets | 3.91B | 80.11M | 109.81M | 166.99M | 157.82M | 153.31M | 561.61M |
| Total Current Assets | 144.53M | 738.22M | 1.26B | 917.83M | 1.04B | 664.98M | 1.16B |
| Total Non-Current Assets | 4.04B | 4.26B | 4.4B | 6.51B | 6.84B | 7.43B | 7.33B |
| Total Assets | 4.19B▲ 0% | 5B▲ 19.4% | 5.67B▲ 13.4% | 7.43B▲ 31.1% | 7.88B▲ 6.0% | 8.1B▲ 2.8% | 8.49B▲ 4.8% |
| Asset Growth % | - | 19.35% | 13.44% | 31.12% | 6.05% | 2.76% | 4.79% |
| Return on Assets (ROA) | 0.49% | 1.04% | 0.81% | 0.9% | 1.35% | 0.95% | 1.18% |
| Accounts Payable | 0 | 2.59M | 2.37M | 5.8M | 13.58M | 8.71M | 0 |
| Total Debt | 139.06M | 183.73M | 162.01M | 792.11M | 515.9M | 114.92M | 36.68M |
| Net Debt | -5.47M | -18.24M | -506.45M | 448.58M | 36.54M | -501M | -615.91M |
| Long-Term Debt | 139.06M | 68.36M | 69.46M | 80.23M | 75.31M | 75.84M | 36.68M |
| Short-Term Debt | 74.11M | 115.37M | 92.09M | 680.61M | 414.16M | 14.7M | 0 |
| Other Liabilities | 3.59B | 70.41M | 109.15M | 76.93M | 82.75M | 249.89M | 187.77M |
| Total Current Liabilities | 21.24M | 4.37B | 4.96B | 6.47B | 6.82B | 6.71B | 7.11B |
| Total Non-Current Liabilities | 3.73B | 138.77M | 179.07M | 188.44M | 184.5M | 350.1M | 224.45M |
| Total Liabilities | 3.76B | 4.51B | 5.14B | 6.66B | 7B | 7.06B | 7.33B |
| Total Equity | 430.2M▲ 0% | 485.79M▲ 12.9% | 524.04M▲ 7.9% | 774.54M▲ 47.8% | 877.2M▲ 13.3% | 1.04B▲ 18.7% | 1.15B▲ 10.8% |
| Equity Growth % | - | 12.92% | 7.87% | 47.8% | 13.25% | 18.72% | 10.75% |
| Equity / Assets (Capital Ratio) | 10.28% | 9.72% | 9.25% | 10.42% | 11.13% | 12.86% | 13.59% |
| Return on Equity (ROE) | 4.77% | 10.39% | 8.55% | 9.11% | 12.54% | 7.88% | 8.92% |
| Book Value per Share | 17.29 | 19.53 | 21.06 | 32.49 | 34.55 | 37.10 | 40.81 |
| Tangible BV per Share | 14.33 | 16.64 | 17.45 | 24.79 | 27.41 | 30.50 | 37.32 |
| Common Stock | 2K | 2K | 2K | 2K | 2K | 3K | 3K |
| Additional Paid-in Capital | 0 | 259.36M | 261.9M | 460.72M | 462.68M | 547.33M | 0 |
| Retained Earnings | 207.87M | 255.45M | 298.62M | 357.8M | 457.52M | 533.15M | 631.09M |
| Accumulated OCI | 1.86M | 9.12M | 1.66M | -43.98M | -43.01M | -39.11M | -27.35M |
| Treasury Stock | 0 | -38.15M | -38.15M | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FSUN Cash Flow Statement
FirstSun Capital Bancorp (FSUN) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.9M | -547K | 113.11M | 96.92M | 125.18M | 101.12M | 111.48M |
| Operating CF Growth % | - | -114.04% | 20778.06% | -14.32% | 29.16% | -19.22% | 10.25% |
| Net Income | 20.5M | 47.59M | 43.16M | 59.18M | 103.53M | 75.63M | 97.94M |
| Depreciation & Amortization | 8.29M | 8.52M | 8.6M | 12.17M | 12.24M | 10.14M | 0 |
| Deferred Taxes | 1.61M | -3.38M | 3.15M | 9.2M | 3.01M | 3.35M | 0 |
| Other Non-Cash Items | -46.91M | -66.93M | 77.19M | 41.73M | 11.97M | 9.41M | 3.31M |
| Working Capital Changes | 18.25M | 11.32M | -21.98M | -26.82M | -7.71M | 214K | 10.23M |
| Cash from Investing | -217.15M | -662.91M | -293.92M | -538.12M | -327.28M | -80.87M | -330.2M |
| Purchase of Investments | -149.5M | -101.97M | -249.42M | -67.88M | -24.23M | -21.19M | -32.87M |
| Sale/Maturity of Investments | 212.26M | 210.14M | 146.25M | 174.78M | 44.34M | 63.45M | 43.37M |
| Net Investment Activity | 62.76M | 108.17M | -103.17M | 106.9M | 20.11M | 42.26M | 10.5M |
| Acquisitions | 0 | -7.02M | 0 | 444.54M | 0 | 0 | 41K |
| Other Investing | -273M | -757.9M | -187.3M | -1.09B | -343.12M | -117.72M | -333.23M |
| Cash from Financing | 257.21M | 720.9M | 647.3M | 116.27M | 337.94M | 116.31M | 255.39M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -36.71M | -1.59M | -456K | -579K | -167K | 0 | 0 |
| Stock Issued | 1.63M | 0 | 0 | 0 | 0 | 82.27M | -1.24M |
| Net Stock Activity | -35.08M | -1.59M | -456K | -579K | -167K | 82.27M | -1.24M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 454M | 711.01M | 678.17M | -336.29M | 597.98M | 288.5M | -3.54M |
| Net Change in Cash | 43.96M▲ 0% | 57.45M▲ 30.7% | 466.48M▲ 712.0% | -324.94M▼ 169.7% | 135.84M▲ 141.8% | 136.56M▲ 0.5% | 36.67M▼ 73.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 100.57M | 144.53M | 201.98M | 668.46M | 343.53M | 479.36M | 615.92M |
| Cash at End | 144.53M | 201.98M | 668.46M | 343.53M | 479.36M | 615.92M | 652.59M |
| Interest Paid | 28.56M | 22.01M | 14.42M | 26.16M | 112.54M | 167.13M | 150.92M |
| Income Taxes Paid | 520K | 8M | 6.6M | 6.18M | 28.46M | 14.94M | 15.71M |
| Free Cash Flow | -3.01M▲ 0% | -6.7M▼ 122.6% | 109.65M▲ 1736.1% | 94.72M▼ 13.6% | 120.91M▲ 27.6% | 95.71M▼ 20.8% | 103.97M▲ 8.6% |
| FCF Growth % | - | -122.58% | 1736.14% | -13.62% | 27.65% | -20.84% | 8.64% |
FSUN Banking Ratios
FirstSun Capital Bancorp (FSUN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.77% | 10.39% | 8.55% | 9.11% | 12.54% | 7.88% | 8.92% |
| Return on Assets (ROA) | 0.49% | 1.04% | 0.81% | 0.9% | 1.35% | 0.95% | 1.18% |
| Net Interest Margin | 3.04% | 2.72% | 2.74% | 3.25% | 3.72% | 3.67% | 3.74% |
| Efficiency Ratio | 75.04% | 66.28% | 76% | 66.3% | 44.36% | 47.18% | 47.32% |
| Equity / Assets | 10.28% | 9.72% | 9.25% | 10.42% | 11.13% | 12.86% | 13.59% |
| Book Value / Share | 17.29 | 19.53 | 21.06 | 32.49 | 34.55 | 37.1 | 40.81 |
| NII Growth | - | 6.86% | 14.18% | 55.66% | 21.44% | 1.19% | 6.9% |
FSUN SEC Filings & Documents
FirstSun Capital Bancorp (FSUN) SEC filings — annual & quarterly reports (10-K, 10-Q)
FSUN Frequently Asked Questions
FirstSun Capital Bancorp (FSUN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
FirstSun Capital Bancorp (FSUN) grew revenue by 5.5% over the past year. This is steady growth.
Yes, FirstSun Capital Bancorp (FSUN) is profitable, generating $97.9M in net income for fiscal year 2025 (17.2% net margin).
Dividend & Returns
FirstSun Capital Bancorp (FSUN) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.
Industry Metrics
FirstSun Capital Bancorp (FSUN) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
FirstSun Capital Bancorp (FSUN) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.
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FirstSun Capital Bancorp (FSUN) financial analysis — history, returns, DCA and operating performance tools
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Dividend History
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Earnings History
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Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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