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FSUN

FirstSun Capital Bancorp

FSUN

FirstSun Capital Bancorp • NASDAQ
$33.43 ▼ -1.42% (-0.48)
Market Cap $932.02 M
52w High $45.32
52w Low $29.95
Dividend Yield 0%
P/E 10.58
Volume 25.06K
Outstanding Shares 27.88M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $147.461M ▲ $68.901M ▲ $23.174M ▼ 15.715% ▼ $0.83 ▼ $30.93M ▼
Q2-2025 $143.994M ▲ $68.11M ▲ $26.386M ▲ 18.324% ▲ $0.95 ▲ $35.608M ▲
Q1-2025 $132.176M ▲ $62.722M ▼ $23.569M ▲ 17.832% ▲ $0.85 ▲ $32.348M ▲
Q4-2024 $128.416M ▼ $64.415M ▼ $16.35M ▼ 12.732% ▼ $0.6 ▼ $22.744M ▼
Q3-2024 $141.007M $64.664M $22.422M 15.901% $0.81 $31.06M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $660.202M ▼ $8.495B ▲ $7.368B ▲ $1.128B ▲
Q2-2025 $1.259B ▲ $8.436B ▲ $7.34B ▲ $1.095B ▲
Q1-2025 $621.806M ▲ $8.216B ▲ $7.148B ▲ $1.068B ▲
Q4-2024 $620.436M ▼ $8.097B ▼ $7.056B ▼ $1.041B ▲
Q3-2024 $1.07B $8.138B $7.104B $1.034B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $26.386M ▲ $15.008M ▼ $-44.28M ▲ $193.01M ▲ $163.738M ▲ $13.017M ▼
Q1-2025 $23.569M ▲ $26.353M ▲ $-116.239M ▼ $95.346M ▲ $5.46M ▼ $24.343M ▲
Q4-2024 $16.35M ▼ $4.962M ▼ $91.583M ▲ $-54.302M ▼ $42.243M ▲ $2.701M ▼
Q3-2024 $22.422M ▼ $48.136M ▲ $-104.528M ▼ $94.3M ▼ $37.908M ▼ $47.069M ▲
Q2-2024 $24.56M $20.931M $-43.16M $174.39M $152.161M $19.859M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Banking Segment
Banking Segment
 $40.00M ▲$0 ▼$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement FirstSun’s income statement shows a solid multi‑year growth story, with revenue and profit generally rising over time. Profitability has been healthy for a regional bank, but the most recent year shows some pressure: earnings dipped a bit even though revenue kept growing, suggesting higher costs or margin squeeze, likely from funding and integration expenses. Overall, the trend still points to a bank that is expanding its business base, but with near‑term profitability not quite matching the pace of growth. Investors would want to watch whether recent margin pressure proves temporary or becomes a persistent feature of the business.

Balance Sheet

Balance Sheet The balance sheet reflects a bank that has been growing while gradually strengthening its foundation. Total assets have expanded meaningfully, consistent with an active lending and acquisition strategy. Cash levels look healthier than a few years ago, and reliance on non‑deposit debt has come down sharply, which reduces funding risk and interest burden. Equity has been built up over time, signaling retained earnings and a thicker capital cushion, though rapid balance‑sheet growth always brings credit and integration risks that need ongoing monitoring.

Cash Flow

Cash Flow Cash generation appears steady and generally positive, which is encouraging for a bank that is still building scale. Operating cash flow has held up over several years, and free cash flow has usually been positive, indicating that the core banking activities are funding the business without heavy strain. Capital spending needs look modest, reflecting the asset‑light nature of banking and a focus on software and integration rather than large physical investments. While bank cash flow statements are complex to interpret, there are no obvious signs of cash stress in the recent pattern.

Competitive Edge

Competitive Edge FirstSun operates as a regional relationship bank with a growing presence in attractive Southwest markets, which gives it a solid competitive base. Its edge comes from combining high‑touch commercial and small‑business banking with a more modern tech stack than many traditional peers. The bank is using mergers to broaden its footprint and customer relationships, aiming to become a larger regional player without losing its local feel. Key risks to its position include intense competition from bigger banks and fintechs, plus the challenge of integrating multiple acquisitions while maintaining service quality and credit discipline.

Innovation and R&D

Innovation and R&D FirstSun is not a pure fintech disrupter but a disciplined adopter of proven technology, which can be a lower‑risk path to innovation. Its use of platforms like nCino and partnerships such as SmartBiz for small‑business lending help streamline processes, speed decisions, and improve client experience without reinventing the wheel. The bank’s strategy focuses on integrating systems, reducing manual work, and building a flexible digital foundation that can plug in new tools over time, including potential AI applications. The main execution risks are successful integration of these tools across legacy systems, dependence on key vendors, and maintaining cybersecurity and compliance as digital complexity rises.

Summary

Overall, FirstSun looks like a growth‑oriented regional bank that has been steadily scaling up while modernizing its operations. Financially, it shows a pattern of expanding revenue, stronger capital, and adequate liquidity, offset by some recent margin pressure as it grows and integrates deals. Competitively, it relies on relationship banking enhanced by tech partnerships rather than headline‑grabbing in‑house innovation, which can be a pragmatic approach if executed well. The big watch items are how smoothly it integrates acquisitions, how effectively it realizes efficiency gains from its tech investments, and whether it can sustain credit quality and profitability across a larger, more complex footprint.

NEWS

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October 28, 2025 · 7:40 AM UTC

FSUN Stock Alert: Halper Sadeh LLC Is Investigating Whether the Merger of FirstSun Capital Bancorp Is Fair to Shareholders

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October 27, 2025 · 4:52 PM UTC

FirstSun Capital Bancorp and First Foundation Inc. Combining in All-Stock Merger

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October 27, 2025 · 4:00 PM UTC

FirstSun Capital Bancorp Reports Third Quarter 2025 Results

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