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FirstSun Capital Bancorp

NASDAQ•FSUN
CEO: Ms. Mollie Hale Carter
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2022-08-03
FirstSun Capital Bancorp operates as a bank holding company for Sunflower Bank that provides commercial and consumer banking and financial services to small and medium-sized companies in Texas, Kansas, Colorado, New Mexico, and Arizona. The company offers deposit products, including noninterest bearing accounts, interest-bearing demand products, checking and savings accounts, money market and term certificate accounts, certificates of deposit, and treasury management products and services. It also provides loan products comprising commercial and industrial loans, commercial real estate loans, residential mortgage loans, and small business administration loans, as well as consumer loans, such as personal, 1-4 family, home equity, multi-family, credit card accounts, overdrafts, and other revolving loans. In addition, it offers remote deposit and cash management products; wealth management and online banking products and services; 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. 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.
Contact Information
1400 16th Street, Suite 250, Denver, CO, 80202, United States
303-831-6704
ir.firstsuncb.com
Market Cap
$983.70M
P/E (TTM)
10.3
21.6
Dividend Yield
--
52W High
$42.34
52W Low
$29.95
52W Range
44%
Rank44Top 53.8%
3.7
F-Score
Modified Piotroski Analysis
Based on 6-year fundamentals
Weak • 3.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2020-2025

Financial Dashboard

Q1 2026 Data

Revenue

$137.94M+0.00%
4-Quarter Trend

EPS

$0.77+0.00%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net income reached $97.9M in 2025, up from $75.6M in 2024; loan growth was 4.7% driven by organic expansion.
NIM and Efficiency Gains Net Interest Margin rose slightly to 4.10% in 2025; efficiency ratio improved substantially to 64.82% from 68.28% last year.
Improved Asset Quality Metrics Nonperforming loan ratio decreased to 0.91% in 2025, down from 1.08% in 2024; provision for credit losses was $24.6M.
Robust Capital Adequacy Maintained Tier 1 risk-based capital ratio stood strong at 14.12% in 2025, well above regulatory minimums for the institution.

Risk Factors

Pending Merger Integration Risks Combining with First Foundation may prove difficult, costly, or time-consuming; anticipated cost savings and benefits might not be realized.
Economic Volatility Impact Business results are sensitive to financial markets, monetary policy, inflation, and interest rate fluctuations, impacting NIM and credit quality.
Commercial Loan Concentration Nearly 70% of the loan portfolio is in C&I and CRE; adverse real estate market events could materially impact financial condition.
Cybersecurity and Technology Failure Reliance on complex IT systems and third-party vendors exposes the company to severe cyber-attacks, data breaches, and operational disruption.

Outlook

First Foundation Merger Closing Merger expected to close early in the second quarter of 2026, pending final regulatory approvals and customary closing conditions.
Regional Market Expansion Focus Strategy emphasizes organic growth, investing in technology, and expanding market presence in key Southwest and Western growth markets.
Core Deposit Franchise Growth Focus remains on growing commercial and consumer banking relationships to maintain a low-cost, stable funding base for lending.
Preparing for $10B Asset Threshold Upon merger completion, assets exceeding $10B will trigger heightened regulatory requirements, increasing compliance costs and supervision.

Peer Comparison

Revenue (TTM)

CFR stock ticker logoCFR
$2.79B
-2.6%
TCBI stock ticker logoTCBI
$2.02B
+13.6%
MBIN stock ticker logoMBIN
$1.37B
-2.4%

Gross Margin (Latest Quarter)

WABC stock ticker logoWABC
95.4%
-0.5pp
RBCAA stock ticker logoRBCAA
76.2%
+6.8pp
OSBC stock ticker logoOSBC
76.0%
+3.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFR$9.13B13.915.1%0.0%
TCBI$4.40B12.79.9%2.6%
MBIN$2.14B9.410.1%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.4%
Flat Growth
4Q Net Income CAGR
-6.5%
Declining Profitability
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:May 4, 2026
|
EPS:$0.90
|
Revenue:$108.80M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data