📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

FirstSun Capital Bancorp operates as the bank holding company for Sunflower Bank, National Association that provides commercial and consumer banking and financial services to small and medium-sized companies in the United States. It operates through Banking and Mortgage Operations segments. The company offers noninterest and interest-bearing deposit accounts, checking and savings accounts, money market and term certificate accounts, and treasury management products and services, as well as certificates of deposit. It also provides commercial and industrial loans, commercial real estate loans, residential mortgage loans, and small business administration loans, as well as consumer loans, including car, boat, and other recreational vehicle loans. In addition, the company offers residential real estate loans comprising 1-4 family loans, home equity loans, and multi-family loans, as well as credit card accounts, overdrafts, and other revolving loans. Further, it provides remote deposit and cash management products; wealth management services include private banking, wealth planning, investment management, and trust and retirement plan 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. Additionally, the company offers online banking and bill payment services, online cash management, safe deposit box rentals, and debit card and ATM card services; and packaging and securitization of loans to governmental agencies. It operates through branches in Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington. 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.

Key Ratios Snapshot

📈 Growth Pattern

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management used precise numbers (e.g., net income $26.4M, NIM 4.07%, deposit growth 13% annualized) and repeatedly called results 'strong' and 'pleased', while openly addressing charge-offs as limited to a few credits with specific causes.

Q3 2025

Confident Specific

Management uses definitive language such as 'compelling reasons', 'highly confident', and provides detailed financial projections (e.g., ROA 145 bps, NIM ~4%, $3.4B repositioning) with clear timelines and risk reduction targets.

Q4 2025

Confident Specific

Management repeatedly cited specific figures: adjusted net income $26.9M, EPS $0.95, ROA $1.27, NIM 4.18%, and gave explicit 2026 guidance for NII growth, NIM stability, and expense growth. Neal Arnold stated 'We are pleased with our strong operating results' and 'overall, I'm very encouraged by our performance this year.'

Q1 2026 latest

Confident Specific

Management used phrases like 'very pleased', 'strong', 'great energy', and provided specific guidance numbers for NIM, charge-offs, CET1, and efficiency ratio. They were direct about loan growth, NIM, and integration progress, while addressing credit issues as isolated.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is moderately stronger after this call. Management demonstrated solid execution on the First Foundation acquisition, with balance sheet repositioning ahead of schedule and NIM expansion maintaining legacy strength. The credit issues were isolated and explained, but elevated charge-offs and provision in Q1 are a near-term headwind. The guidance for improving efficiency and CET1 above 10.7% allows for share buybacks, supporting returns. However, the lack of explicit reaffirmation of earlier ROA/ROTSE targets and the relatively muted NIM guidance for FY2026 (mid-3.80s vs. legacy FirstSun's 4.25%) suggest the full benefit of the deal may take longer to materialize. Key items to watch next quarter: completion of loan and deposit repositioning, pace of cost synergy realization, and any further credit migration in the acquired multifamily portfolio.

AI-generated concall tone analysis · Updated 2026-06-09 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED FSUN Q1 2026 adjusted net income $23.7M, EPS $0.84, loan growth 16% annualized

Revenue & Profitability

Adjusted net income was $23.7 million, with adjusted diluted EPS of $0.84 and adjusted ROA of 1.14%. Loan growth was 16% annualized, with net interest margin expanding to 4.25%. Provision for credit losses was $8.3 million, and net charge-offs totaled $10.5 million (63 bps annualized). Tangible book value per share improved to $38.57.

Outlook

Management expressed confidence in continued momentum, citing robust loan pipelines and successful growth in Texas and Southern California. They expect net interest margin to be in the mid-3.80% range for full year 2026, with Q4 reaching the 390s. Adjusted efficiency ratio is expected to be in the mid-60s for the next few quarters, then drop to approximately 60% in Q4. Net charge-offs are expected to settle in the mid-20s basis points for the full year.

Growth Drivers

Key growth drivers include strong C&I loan growth (16% annualized in Q1), success in Texas and Southern California markets, and the expanded wealth platform from the First Foundation acquisition. New loan fundings reached $528 million in Q1, up 47% from Q4. Treasury management service fees continue to grow. After a period of balance-sheet remixing, the company expects to return to balanced growth in 2027.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Net interest margin was 4.25% in Q1, down 7 bps from Q4. The full year 2026 NIM is expected to be in the mid-3.80% range, with Q4 in the 390s. The adjusted efficiency ratio (excluding merger-related costs) is expected to be in the mid-60s for the next few quarters, then drop to approximately 60% in Q4. The company targets a 58% efficiency ratio in 2027.

Key Risks

Key risks include credit lumpiness from a heavy C&I portfolio, evidenced by two charge-offs (a telecom loan and an auto finance lender loan) totaling $10.5 million in Q1. Management cited potential deterioration in value realization on losses. Integration risks from the First Foundation acquisition include balance-sheet repositioning and system conversion. Elevated investor CRE concentration (targeted below 250% of capital) and reliance on wholesale funding (targeted at ~10%) are also monitored.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-28

Q2 saw a net loss of $23M due to merger and credit costs, but integration of the First Foundation acquisition progressed well, with strong deposit growth in Southern California and significant cost savings achieved. Capital ratios remain robust, and margin improvement is expected in H2 2026.

Q1 2026 Q1 2026 2026-04-28

Strong Q1 results featured robust loan growth, expanding net interest margin, and increased non-interest income. The First Foundation acquisition is progressing well, with cost synergies ahead of schedule and a CET1 ratio expected above initial targets.

Q4 2025 Q4 2025 2026-01-27

Q4 2025 saw robust revenue and loan growth, a strong net interest margin, and improved efficiency, with non-interest income up 24% year-over-year. The outlook for 2026 is for stable margins and mid-single digit growth, while the pending merger with First Foundation remains on track.

Q3 2025 Q3 2025 & M&A Announcement 2025-10-28

Announced a merger to create a leading franchise in Southern California and Florida, with a $3.4B repositioning plan to reduce risk and drive organic growth. Projected 30% EPS accretion by 2027, strong capital ratios, and significant cost savings are expected.

Q2 2025 Q2 2025 2025-07-29

Q2 2025 saw strong net income, double-digit deposit growth, and robust loan originations, with a stable net interest margin above 4%. Asset quality remains solid despite elevated charge-offs, and guidance calls for mid-single-digit growth in loans and deposits for the year.

📊 Analysis Methodology

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