8-K Announcements
6Material company update
Jun 5, 2026·SEC
Material company update
Apr 27, 2026·SEC
Material company update
Apr 1, 2026·SEC
FirstSun Capital Bancorp(FSUN)Earnings, Financials & Key Ratios
FSUN•NASDAQ•Banking & Credit
$38.75
11.0× P/E·Price updated Jul 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%
FSUN Price & Volume
FirstSun Capital Bancorp (FSUN) stock price & volume — 10-year historical chart
Loading chart...
Commercial Lending Expansion Offsets Margin Compression Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE Concentration and Provisioning
Key Thesis Takeaways
- FirstSun Capital Bancorp is successfully scaling its middle-market commercial lending footprint across the Sunbelt, evidenced by a 11.1% year-over-year growth in net interest income as of 2026Q1.
- While the bank maintains a conservative capital structure with an equity-to-assets ratio of 0.14, investors should monitor the persistent 1.0% net interest margin and the volatility in provision expenses, which reached $16.5 million in 2024Q1.
- The firm's strategic focus on retaining earnings to fuel organic growth suggests a long-term value creation approach, though operational friction remains a concern given the efficiency ratio fluctuation between 45.9% and 50.7%.
Verdict Logic
while the bank shows consistent asset growth to $8.6 billion, the current 10.85 P/E ratio and persistent margin pressure at 1.0% warrant a cautious wait-and-see approach.
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%
TTM10.41%
EPS CAGR
10 Years-
5 Years13.07%
3 Years12.49%
TTM10.06%
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, 2026Metric
Actual
Est
EPS
$0.84-6.7%
$0.90
Rev
$110M+1.1%
$109M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$0.88
—
Rev
$146M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.95+10.5%
$0.86
Rev
$110M+2.4%
$108M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.82-7.7%
$0.89
Rev
$107M+0.3%
$107M
| 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 →
Peers Comparison
Key metrics vs top competitors for FirstSun Capital Bancorp (FSUN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $38.75 | $1.08B | 10.98 | 5.48% | 17.19% | 8.92% | — | |
| $35.90 | $739.76M | 10.98 | -0.3% | 22.54% | 14.15% | — | |
| $34.75 | $4.98B | 19.63 | 11.71% | 31.14% | 14.2% | — | |
| $54.96 | $1.77B | 14.81 | 1.78% | 23.87% | 9.86% | — | |
| $22.76 | $3.09B | 14.97 | -2.33% | 32.4% | 9.16% | — | |
| $140.12 | $8.51B | 15.26 | -1.07% | 18.3% | 10.31% | — |
Compare FSUN vs Peers
FirstSun Capital Bancorp (FSUN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FSUN SEC Filings & Documents
FirstSun Capital Bancorp (FSUN) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when FSUN posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
FSUN Frequently Asked Questions
FirstSun Capital Bancorp (FSUN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is FirstSun Capital Bancorp growing?
FirstSun Capital Bancorp (FSUN) grew revenue by 5.5% over the past year. This is steady growth.
Is FSUN profitable?
Yes, FirstSun Capital Bancorp (FSUN) is profitable, generating $96.0M in net income for fiscal year 2025 (17.2% net margin).
Dividend & Returns
What is FSUN's return on equity?
FirstSun Capital Bancorp (FSUN) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is FirstSun Capital Bancorp's net interest margin?
FirstSun Capital Bancorp (FSUN) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
What is FirstSun Capital Bancorp's efficiency ratio?
FirstSun Capital Bancorp (FSUN) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.