Free Trial

FirstSun Capital Bancorp (FSUN) Financials

FirstSun Capital Bancorp logo
$36.31 +0.47 (+1.31%)
Closing price 04:00 PM Eastern
Extended Trading
$36.29 -0.02 (-0.06%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Annual Income Statements for FirstSun Capital Bancorp

Annual Income Statements for FirstSun Capital Bancorp

This table shows FirstSun Capital Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders
43 59 104 76 98
Consolidated Net Income / (Loss)
43 59 104 76 98
Net Income / (Loss) Continuing Operations
43 59 104 76 98
Total Pre-Tax Income
52 74 131 95 123
Total Revenue
279 331 373 387 419
Net Interest Income / (Expense)
155 242 293 297 317
Total Interest Income
169 267 414 460 468
Loans and Leases Interest Income
159 248 386 422 425
Investment Securities Interest Income
7.98 13 17 18 17
Other Interest Income
2.07 5.64 11 19 25
Total Interest Expense
14 25 120 163 150
Deposits Interest Expense
8.54 13 101 151 145
Federal Funds Purchased and Securities Sold Interest Expense
0.06 0.12 0.23 0.19 0.15
Other Interest Expense
5.52 12 19 12 4.89
Total Non-Interest Income
124 90 79 90 102
Service Charges on Deposit Accounts
13 9.86 9.94 9.50 8.32
Other Service Charges
103 73 63 75 88
Investment Banking Income
7.80 6.81 5.69 5.79 5.95
Provision for Credit Losses
3.00 18 18 28 25
Total Non-Interest Expense
225 239 223 264 272
Salaries and Employee Benefits
152 134 133 155 172
Net Occupancy & Equipment Expense
28 31 33 36 38
Other Operating Expenses
41 50 51 56 57
Amortization Expense
1.42 4.22 4.82 3.55 2.41
Restructuring Charge
3.09 19 0.00 13 2.74
Income Tax Expense
8.68 15 28 19 25
Basic Earnings per Share
$2.36 $2.55 $4.15 $2.76 $3.52
Weighted Average Basic Shares Outstanding
- - 27.43M 27.75M 27.92M
Diluted Earnings per Share
$2.30 $2.48 $4.08 $2.69 $3.47
Weighted Average Diluted Shares Outstanding
- - 27.43M 27.75M 27.92M
Weighted Average Basic & Diluted Shares Outstanding
- - 27.43M 27.75M 27.92M

Quarterly Income Statements for FirstSun Capital Bancorp

This table shows FirstSun Capital Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders
28 25 24 12 25 22 16 24 26 23 25
Consolidated Net Income / (Loss)
28 25 24 12 25 22 16 24 26 23 25
Net Income / (Loss) Continuing Operations
28 25 24 12 25 22 16 24 26 23 25
Total Pre-Tax Income
36 32 30 15 31 29 20 30 33 28 32
Total Revenue
98 92 89 94 96 98 99 96 106 107 110
Net Interest Income / (Expense)
74 73 72 71 73 76 77 74 78 81 83
Total Interest Income
102 107 110 110 115 119 116 110 117 121 119
Loans and Leases Interest Income
95 100 102 102 105 108 106 101 106 109 110
Investment Securities Interest Income
4.23 4.23 4.42 4.49 4.77 4.77 4.44 4.37 4.43 4.38 4.28
Other Interest Income
2.49 2.98 3.41 3.29 4.57 5.72 5.53 5.40 6.37 7.66 5.42
Total Interest Expense
28 33 38 39 42 43 39 36 38 40 36
Deposits Interest Expense
21 31 36 36 38 40 36 34 37 39 35
Federal Funds Purchased and Securities Sold Interest Expense
0.07 0.07 0.06 0.06 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Other Interest Expense
7.40 2.40 2.29 2.79 3.10 3.15 2.76 1.54 1.20 1.61 0.54
Total Non-Interest Income
24 19 17 23 23 22 22 22 27 26 27
Service Charges on Deposit Accounts
5.36 5.48 -5.91 2.34 2.37 2.56 -8.46 2.03 2.02 2.16 2.12
Other Service Charges
17 12 21 19 19 18 29 18 24 23 23
Investment Banking Income
1.48 1.40 1.36 1.46 1.49 1.40 1.44 1.42 1.47 1.54 1.52
Provision for Credit Losses
4.42 3.89 6.58 17 1.20 5.00 4.85 3.80 4.50 10 6.20
Total Non-Interest Expense
58 56 52 62 64 65 74 63 68 69 72
Salaries and Employee Benefits
34 34 30 37 40 39 38 40 44 45 44
Net Occupancy & Equipment Expense
8.14 8.49 8.45 8.60 8.70 9.12 9.87 9.54 9.54 9.59 9.58
Other Operating Expenses
14 13 13 13 14 14 16 13 14 14 16
Amortization Expense
2.05 0.90 0.83 0.82 0.65 0.65 1.43 0.63 0.58 0.58 0.63
Restructuring Charge
0.00 0.00 - 2.49 1.05 1.63 8.01 0.00 0.00 0.00 2.74
Income Tax Expense
7.65 6.76 6.39 2.99 6.54 6.15 3.81 6.12 6.58 5.11 7.16
Basic Earnings per Share
$1.12 $1.01 $0.97 $0.46 $0.90 $0.81 $0.59 $0.85 $0.95 $0.83 $0.89
Weighted Average Basic Shares Outstanding
- 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M
Diluted Earnings per Share
$1.11 $1.00 $0.94 $0.45 $0.88 $0.79 $0.57 $0.83 $0.93 $0.82 $0.89
Weighted Average Diluted Shares Outstanding
- 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M
Weighted Average Basic & Diluted Shares Outstanding
- 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M

Annual Cash Flow Statements for FirstSun Capital Bancorp

This table details how cash moves in and out of FirstSun Capital Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents
466 -325 136 137 37
Net Cash From Operating Activities
113 97 125 101 111
Net Cash From Continuing Operating Activities
113 97 125 101 111
Net Income / (Loss) Continuing Operations
43 59 104 76 98
Consolidated Net Income / (Loss)
43 59 104 76 98
Provision For Loan Losses
3.00 18 18 28 25
Depreciation Expense
7.18 7.95 7.42 7.38 8.25
Amortization Expense
5.48 6.57 3.83 3.17 7.37
Non-Cash Adjustments to Reconcile Net Income
76 32 -0.15 -13 -37
Changes in Operating Assets and Liabilities, net
-22 -27 -7.71 0.21 10
Net Cash From Investing Activities
-294 -538 -327 -81 -330
Net Cash From Continuing Investing Activities
-294 -538 -327 -81 -330
Purchase of Property, Leasehold Improvements and Equipment
-3.46 -2.20 -4.27 -5.41 -7.51
Purchase of Investment Securities
-249 337 -75 -66 -34
Sale of Property, Leasehold Improvements and Equipment
0.01 0.00 0.00 0.00 0.04
Sale and/or Maturity of Investments
174 191 115 120 49
Other Investing Activities, net
-215 -1,064 -363 -129 -338
Net Cash From Financing Activities
647 116 338 116 255
Net Cash From Continuing Financing Activities
647 116 338 116 255
Net Change in Deposits
701 -281 610 298 435
Issuance of Debt
0.00 785 2,041 5,460 293
Issuance of Common Equity
-0.46 -0.58 -0.17 82 -1.24
Repayment of Debt
-30 -332 -2,301 -5,715 -468
Other Financing Activities, Net
-23 -55 -12 -9.99 -3.54
Cash Interest Paid
8.75 12 92 155 146
Cash Income Taxes Paid
6.60 6.18 28 15 16

Quarterly Cash Flow Statements for FirstSun Capital Bancorp

This table details how cash moves in and out of FirstSun Capital Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents
104 -49 35 -96 152 38 42 5.46 164 -125 -7.31
Net Cash From Operating Activities
41 19 41 27 21 48 4.96 26 15 49 21
Net Cash From Continuing Operating Activities
41 19 41 27 21 48 4.96 26 15 49 21
Net Income / (Loss) Continuing Operations
28 25 24 12 25 22 16 24 26 23 25
Consolidated Net Income / (Loss)
28 25 24 12 25 22 16 24 26 23 25
Provision For Loan Losses
4.42 3.89 6.58 17 1.20 5.00 4.85 3.80 4.50 10 6.20
Depreciation Expense
1.90 1.87 1.76 1.79 1.81 1.84 1.93 2.04 2.07 2.07 2.08
Amortization Expense
1.67 1.18 -0.01 0.72 0.70 1.07 0.69 2.08 1.71 2.35 1.23
Non-Cash Adjustments to Reconcile Net Income
1.89 2.20 3.11 2.90 -16 -4.29 4.88 -1.78 -23 7.14 -20
Changes in Operating Assets and Liabilities, net
2.83 -16 5.54 -7.11 8.97 22 -24 -3.35 2.99 4.54 6.06
Net Cash From Investing Activities
-87 -4.14 -98 -25 -43 -105 92 -116 -44 -178 8.58
Net Cash From Continuing Investing Activities
-87 -4.14 -98 -25 -43 -105 92 -116 -44 -178 8.58
Purchase of Property, Leasehold Improvements and Equipment
-0.15 -0.16 -2.90 -1.01 -1.07 -1.07 -2.26 -2.01 -1.99 -1.75 -1.76
Purchase of Investment Securities
-2.49 -19 -35 -9.87 -49 -8.02 1.20 -23 -5.41 -0.62 -4.72
Sale and/or Maturity of Investments
13 41 31 29 55 12 24 19 8.12 9.62 12
Other Investing Activities, net
-98 -26 -91 -43 -48 -108 69 -110 -45 -186 2.70
Net Cash From Financing Activities
151 -63 93 -98 174 94 -54 95 193 3.67 -37
Net Cash From Continuing Financing Activities
151 -63 93 -98 174 94 -54 95 193 3.67 -37
Net Change in Deposits
156 190 34 71 174 30 22 202 226 5.26 1.97
Issuance of Common Equity
0.03 -0.01 -0.21 79 -0.02 3.38 -0.51 -0.48 -0.59 -0.24 0.06
Repayment of Debt
-647 -686 -435 -618 -1,676 -1,896 -1,525 -393 -35 - -40
Other Financing Activities, Net
1.22 -6.99 -1.17 -4.27 -0.02 -9.50 3.79 -6.18 2.66 -1.35 1.34
Cash Interest Paid
16 34 32 38 41 40 36 34 39 38 35
Cash Income Taxes Paid
31 -7.75 5.31 0.01 5.27 0.33 9.33 0.10 9.62 2.46 3.53

Annual Balance Sheets for FirstSun Capital Bancorp

This table presents FirstSun Capital Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024 2025
Period end date 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets
7,430 7,880 8,097 8,485
Cash and Due from Banks
344 479 616 653
Trading Account Securities
626 554 504 503
Loans and Leases, Net of Allowance
0.00 6,187 6,288 6,588
Loans Held for Sale
57 54 62 101
Premises and Equipment, Net
88 85 82 82
Goodwill
93 93 93 93
Intangible Assets
16 11 7.43 4.98
Other Assets
6,206 378 415 436
Total Liabilities & Shareholders' Equity
7,430 7,880 8,097 8,485
Total Liabilities
6,656 7,003 7,056 7,332
Non-Interest Bearing Deposits
1,820 1,531 1,541 1,651
Interest Bearing Deposits
3,945 4,844 5,131 5,456
Short-Term Debt
37 25 15 11
Accrued Interest Payable
5.80 14 8.71 6.68
Long-Term Debt
724 465 211 37
Other Long-Term Liabilities
124 125 150 170
Commitments & Contingencies
0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
775 877 1,041 1,153
Total Preferred & Common Equity
775 877 1,041 1,153
Preferred Stock
0.00 0.00 0.00 0.00
Total Common Equity
775 877 1,041 1,153
Common Stock
461 463 547 550
Retained Earnings
358 458 533 631
Accumulated Other Comprehensive Income / (Loss)
-44 -43 -39 -27

Quarterly Balance Sheets for FirstSun Capital Bancorp

This table presents FirstSun Capital Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets
7,757 7,782 7,999 8,138 8,216 8,436 8,495
Cash and Due from Banks
444 384 536 574 621 785 660
Trading Account Securities
533 563 559 565 516 508 510
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 6,392 6,424 6,598
Loans Held for Sale
51 57 67 72 66 91 85
Premises and Equipment, Net
84 84 83 83 82 82 82
Goodwill
93 93 93 93 93 93 93
Intangible Assets
12 10 9.52 8.87 6.81 6.23 5.65
Other Assets
6,539 6,591 6,652 6,743 414 421 437
Total Liabilities & Shareholders' Equity
7,757 7,782 7,999 8,138 8,216 8,436 8,495
Total Liabilities
6,913 6,817 7,003 7,104 7,148 7,340 7,368
Non-Interest Bearing Deposits
1,611 1,517 1,562 1,555 1,575 1,707 1,674
Interest Bearing Deposits
4,729 4,928 5,057 5,095 5,300 5,393 5,431
Short-Term Debt
26 20 20 11 8.52 11 9.82
Accrued Interest Payable
9.86 12 9.20 9.02 9.06 7.25 8.06
Long-Term Debt
405 220 221 291 111 76 76
Other Long-Term Liabilities
132 119 133 144 145 146 168
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
844 965 997 1,034 1,068 1,095 1,128
Total Preferred & Common Equity
844 965 997 1,034 1,068 1,095 1,128
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
844 965 997 1,034 1,068 1,095 1,128
Common Stock
463 543 543 547 547 548 549
Retained Earnings
434 470 494 517 557 583 606
Accumulated Other Comprehensive Income / (Loss)
-52 -48 -41 -30 -36 -36 -28

Annual Metrics And Ratios for FirstSun Capital Bancorp

This table displays calculated financial ratios and metrics derived from FirstSun Capital Bancorp's official financial filings.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding
- - - - 27,879,811.00
DEI Adjusted Shares Outstanding
- - - - 27,879,811.00
DEI Earnings Per Adjusted Shares Outstanding
- - - - 3.51
Growth Metrics
- - - - -
Revenue Growth
0.00% 18.51% 12.48% 3.81% 8.42%
EBITDA Growth
0.00% 37.26% 61.20% -25.97% 31.09%
EBIT Growth
0.00% 42.78% 77.63% -27.66% 29.21%
NOPAT Growth
0.00% 37.11% 74.94% -26.95% 29.50%
Net Income Growth
0.00% 37.11% 74.94% -26.95% 29.50%
EPS Growth
0.00% 7.83% 64.52% -34.07% 29.00%
Operating Cash Flow Growth
0.00% -14.32% 29.16% -19.22% 10.25%
Free Cash Flow Firm Growth
0.00% 0.00% 118.44% -35.57% -6.70%
Invested Capital Growth
0.00% 0.00% -10.99% -7.30% -5.19%
Revenue Q/Q Growth
0.00% 0.00% 0.00% 2.49% 2.83%
EBITDA Q/Q Growth
0.00% 0.00% 0.00% -8.15% 9.91%
EBIT Q/Q Growth
0.00% 0.00% 0.00% -9.73% 10.63%
NOPAT Q/Q Growth
0.00% 0.00% 0.00% -9.20% 9.45%
Net Income Q/Q Growth
0.00% 0.00% 0.00% -9.20% 9.45%
EPS Q/Q Growth
0.00% 0.00% 0.00% -12.09% 10.16%
Operating Cash Flow Q/Q Growth
0.00% 0.00% -9.82% -26.27% 16.50%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 0.00% 0.00% -22.69%
Invested Capital Q/Q Growth
0.00% 0.00% 0.00% -5.15% -1.01%
Profitability Metrics
- - - - -
EBITDA Margin
23.08% 26.73% 38.31% 27.32% 33.04%
EBIT Margin
18.55% 22.35% 35.30% 24.60% 29.31%
Profit (Net Income) Margin
15.44% 17.87% 27.79% 19.56% 23.36%
Tax Burden Percent
83.26% 79.95% 78.74% 79.51% 79.69%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
16.74% 20.05% 21.26% 20.49% 20.31%
Return on Invested Capital (ROIC)
0.00% 7.71% 7.14% 5.74% 7.94%
ROIC Less NNEP Spread (ROIC-NNEP)
0.00% 7.71% 7.14% 5.74% 7.94%
Return on Net Nonoperating Assets (RNNOA)
0.00% 7.57% 5.40% 2.14% 0.99%
Return on Equity (ROE)
0.00% 15.28% 12.54% 7.88% 8.92%
Cash Return on Invested Capital (CROIC)
0.00% -192.29% 18.76% 13.32% 13.26%
Operating Return on Assets (OROA)
0.00% 1.00% 1.72% 1.19% 1.48%
Return on Assets (ROA)
0.00% 0.80% 1.35% 0.95% 1.18%
Return on Common Equity (ROCE)
0.00% 15.28% 12.54% 7.88% 8.92%
Return on Equity Simple (ROE_SIMPLE)
0.00% 7.64% 11.80% 7.26% 8.49%
Net Operating Profit after Tax (NOPAT)
43 59 104 76 98
NOPAT Margin
15.44% 17.87% 27.79% 19.56% 23.36%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
64.25% 50.03% 44.74% 49.46% 50.10%
Operating Expenses to Revenue
80.38% 72.20% 59.81% 68.28% 64.82%
Earnings before Interest and Taxes (EBIT)
52 74 131 95 123
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
65 89 143 106 139
Valuation Ratios
- - - - -
Price to Book Value (P/BV)
0.00 0.00 1.06 1.07 0.91
Price to Tangible Book Value (P/TBV)
0.00 0.00 1.21 1.18 1.00
Price to Revenue (P/Rev)
0.00 0.00 2.50 2.87 2.51
Price to Earnings (P/E)
0.00 0.00 9.01 14.70 10.73
Dividend Yield
0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield
0.00% 0.00% 11.10% 6.80% 9.32%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.00 0.69 0.57 0.37
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 2.53 1.86 1.06
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 6.61 6.83 3.22
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 7.17 7.58 3.63
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 9.11 9.54 4.56
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 7.53 7.13 4.00
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 3.46 4.11 2.73
Leverage & Solvency
- - - - -
Debt to Equity
0.00 0.98 0.56 0.22 0.04
Long-Term Debt to Equity
0.00 0.93 0.53 0.20 0.03
Financial Leverage
0.00 0.98 0.76 0.37 0.12
Leverage Ratio
0.00 9.59 9.27 8.33 7.56
Compound Leverage Factor
0.00 9.59 9.27 8.33 7.56
Debt to Total Capital
0.00% 49.55% 35.82% 17.80% 3.98%
Short-Term Debt to Total Capital
0.00% 2.39% 1.81% 1.16% 0.93%
Long-Term Debt to Total Capital
0.00% 47.16% 34.01% 16.64% 3.05%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
0.00% 50.45% 64.18% 82.20% 96.02%
Debt to EBITDA
0.00 8.59 3.43 2.13 0.35
Net Debt to EBITDA
0.00 4.71 0.07 -3.69 -4.37
Long-Term Debt to EBITDA
0.00 8.18 3.26 2.00 0.26
Debt to NOPAT
0.00 12.86 4.73 2.98 0.49
Net Debt to NOPAT
0.00 7.05 0.10 -5.16 -6.18
Long-Term Debt to NOPAT
0.00 12.24 4.49 2.79 0.37
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - -
Cash Flow Metrics
- - - - -
Free Cash Flow to Firm (FCFF)
0.00 -1,476 272 175 164
Operating Cash Flow to CapEx
3,278.52% 4,417.27% 2,932.90% 1,868.44% 1,492.81%
Free Cash Flow to Firm to Interest Expense
0.00 -58.61 2.26 1.08 1.09
Operating Cash Flow to Interest Expense
8.01 3.85 1.04 0.62 0.74
Operating Cash Flow Less CapEx to Interest Expense
7.77 3.76 1.01 0.59 0.69
Efficiency Ratios
- - - - -
Asset Turnover
0.00 0.04 0.05 0.05 0.05
Fixed Asset Turnover
0.00 3.76 4.31 4.62 5.11
Capital & Investment Metrics
- - - - -
Invested Capital
0.00 1,535 1,367 1,267 1,201
Invested Capital Turnover
0.00 0.43 0.26 0.29 0.34
Increase / (Decrease) in Invested Capital
0.00 1,535 -169 -100 -66
Enterprise Value (EV)
0.00 0.00 943 721 446
Market Capitalization
0.00 0.00 933 1,112 1,051
Book Value per Share
$0.00 $0.00 $35.15 $37.64 $41.37
Tangible Book Value per Share
$0.00 $0.00 $30.96 $33.99 $37.84
Total Capital
0.00 1,535 1,367 1,267 1,201
Total Debt
0.00 761 489 226 48
Total Long-Term Debt
0.00 724 465 211 37
Net Debt
0.00 417 10 -390 -605
Capital Expenditures (CapEx)
3.45 2.19 4.27 5.41 7.47
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
0.00 761 489 226 48
Total Depreciation and Amortization (D&A)
13 15 11 11 16
Earnings Adjustments
- - - - -
Adjusted Basic Earnings per Share
$0.00 $0.00 $4.15 $2.76 $3.52
Adjusted Weighted Average Basic Shares Outstanding
0.00 0.00 27.43M 27.75M 27.92M
Adjusted Diluted Earnings per Share
$0.00 $0.00 $4.08 $2.69 $3.47
Adjusted Weighted Average Diluted Shares Outstanding
0.00 0.00 27.43M 27.75M 27.92M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 0.00 27.43M 27.75M 27.92M
Normalized Net Operating Profit after Tax (NOPAT)
46 74 104 86 100
Normalized NOPAT Margin
16.36% 22.40% 27.79% 22.27% 23.88%
Pre Tax Income Margin
18.55% 22.35% 35.30% 24.60% 29.31%
Debt Service Ratios
- - - - -
EBIT to Interest Expense
3.67 2.94 1.09 0.58 0.82
NOPAT to Interest Expense
3.06 2.35 0.86 0.47 0.65
EBIT Less CapEx to Interest Expense
3.43 2.85 1.06 0.55 0.77
NOPAT Less CapEx to Interest Expense
2.81 2.26 0.83 0.43 0.60
Payout Ratios
- - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for FirstSun Capital Bancorp

This table displays calculated financial ratios and metrics derived from FirstSun Capital Bancorp's official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding
- - - - - - - - - - 27,879,811.00
DEI Adjusted Shares Outstanding
- - - - - - - - - - 27,879,811.00
DEI Earnings Per Adjusted Shares Outstanding
- - - - - - - - - - 0.89
Growth Metrics
- - - - - - - - - - -
Revenue Growth
0.00% -1.48% 0.00% 0.61% -1.99% 6.71% 10.52% 2.77% 9.77% 9.22% 11.68%
EBITDA Growth
0.00% -0.11% 0.00% -51.00% -14.31% -10.16% -29.17% 89.98% 9.30% 3.90% 54.85%
EBIT Growth
0.00% -6.29% 0.00% -54.26% -12.79% -10.71% -33.70% 94.20% 5.99% -0.99% 58.56%
NOPAT Growth
0.00% -4.83% 0.00% -53.21% -12.30% -11.14% -31.91% 91.68% 7.43% 3.35% 51.72%
Net Income Growth
0.00% -4.83% 0.00% -53.21% -12.30% -11.14% -31.91% 91.68% 7.43% 3.35% 51.72%
EPS Growth
0.00% -3.85% 0.00% -56.31% -20.72% -21.00% -39.36% 84.44% 5.68% 3.80% 56.14%
Operating Cash Flow Growth
0.00% 0.00% -24.96% 9.26% -48.59% 157.76% -87.89% -2.72% -28.30% 2.57% 318.18%
Free Cash Flow Firm Growth
0.00% 0.00% 0.00% 0.00% 0.00% 96.92% 0.00% 103.45% 106.70% 477.44% -22.05%
Invested Capital Growth
0.00% 0.00% 0.00% 0.00% 0.00% 4.78% -7.30% -1.46% -4.44% -9.15% -5.19%
Revenue Q/Q Growth
5.46% -6.18% -3.01% 4.84% 2.73% 2.14% 0.46% -2.51% 9.73% 1.62% 2.72%
EBITDA Q/Q Growth
8.05% -10.69% -8.22% -44.68% 88.96% -6.37% -27.63% 48.38% 8.71% -10.99% 7.86%
EBIT Q/Q Growth
6.70% -10.28% -4.96% -49.73% 103.44% -8.13% -29.44% 47.25% 11.04% -14.19% 13.01%
NOPAT Q/Q Growth
6.56% -9.91% -4.83% -48.80% 99.74% -8.71% -27.08% 44.15% 11.95% -12.17% 7.05%
Net Income Q/Q Growth
6.56% -9.91% -4.83% -48.80% 99.74% -8.71% -27.08% 44.15% 11.95% -12.17% 7.05%
EPS Q/Q Growth
7.77% -9.91% -6.00% -52.13% 95.56% -10.23% -27.85% 45.61% 12.05% -11.83% 8.54%
Operating Cash Flow Q/Q Growth
64.22% -54.13% 119.49% -33.91% -22.74% 129.97% -89.69% 431.10% -43.05% 228.97% -57.97%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 100.00% 0.00% -1.67% 96.82% 401.46% -64.58% 97.74% 78.76% -37.74%
Invested Capital Q/Q Growth
0.00% 0.00% 7.21% -11.80% 2.68% 7.93% -5.15% -6.25% -0.43% 2.61% -1.01%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
39.98% 38.06% 36.01% 19.00% 34.95% 32.04% 23.08% 35.13% 34.80% 30.48% 32.01%
EBIT Margin
36.34% 34.75% 34.05% 16.33% 32.34% 29.08% 20.43% 30.86% 31.22% 26.36% 29.00%
Profit (Net Income) Margin
28.54% 27.41% 26.89% 13.13% 25.54% 22.83% 16.57% 24.50% 24.99% 21.60% 22.51%
Tax Burden Percent
78.54% 78.86% 78.98% 80.44% 78.98% 78.48% 81.11% 79.40% 80.05% 81.93% 77.61%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
21.46% 21.14% 21.02% 19.56% 21.02% 21.52% 18.89% 20.60% 19.95% 18.07% 22.39%
Return on Invested Capital (ROIC)
0.00% 0.00% 7.33% 8.13% 15.32% 6.60% 4.87% 7.97% 8.23% 6.91% 7.65%
ROIC Less NNEP Spread (ROIC-NNEP)
0.00% 0.00% 7.33% 8.13% 15.32% 6.60% 4.87% 7.97% 8.23% 6.91% 7.65%
Return on Net Nonoperating Assets (RNNOA)
0.00% 0.00% 4.09% 2.03% 3.70% 2.57% 1.81% 1.41% 1.29% 1.24% 0.95%
Return on Equity (ROE)
0.00% 0.00% 11.42% 10.16% 19.02% 9.17% 6.68% 9.38% 9.53% 8.15% 8.60%
Cash Return on Invested Capital (CROIC)
0.00% 0.00% 19.92% 0.00% 0.00% 0.00% 13.32% 8.73% 11.87% 16.61% 13.26%
Operating Return on Assets (OROA)
0.00% 0.00% 1.66% 0.78% 1.50% 1.38% 0.99% 1.50% 1.51% 1.29% 1.47%
Return on Assets (ROA)
0.00% 0.00% 1.31% 0.63% 1.18% 1.08% 0.80% 1.19% 1.21% 1.06% 1.14%
Return on Common Equity (ROCE)
0.00% 0.00% 11.42% 10.16% 19.02% 9.17% 6.68% 9.38% 9.53% 8.15% 8.60%
Return on Equity Simple (ROE_SIMPLE)
0.00% 0.00% 0.00% 9.28% 8.64% 8.05% 0.00% 8.13% 8.10% 7.94% 0.00%
Net Operating Profit after Tax (NOPAT)
28 25 24 12 25 22 16 24 26 23 25
NOPAT Margin
28.54% 27.41% 26.89% 13.13% 25.54% 22.83% 16.57% 24.50% 24.99% 21.60% 22.51%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
43.00% 46.12% 43.24% 49.08% 50.46% 49.30% 49.01% 51.03% 50.64% 50.72% 48.18%
Operating Expenses to Revenue
59.15% 61.02% 58.58% 66.05% 66.42% 65.83% 74.66% 65.19% 64.52% 64.22% 65.37%
Earnings before Interest and Taxes (EBIT)
36 32 30 15 31 29 20 30 33 28 32
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
39 35 32 18 34 31 23 34 37 33 35
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
0.00 0.86 1.06 1.02 0.96 1.14 1.07 0.94 0.88 0.96 0.91
Price to Tangible Book Value (P/TBV)
0.00 0.99 1.21 1.14 1.07 1.27 1.18 1.04 0.97 1.05 1.00
Price to Revenue (P/Rev)
0.00 0.00 2.50 2.63 2.58 3.12 2.87 2.58 2.43 2.65 2.51
Price to Earnings (P/E)
0.00 0.00 9.01 10.96 11.14 14.15 14.70 11.58 10.90 12.09 10.73
Dividend Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield
0.00% 0.00% 11.10% 9.13% 8.98% 7.07% 6.80% 8.64% 9.17% 8.27% 9.32%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.56 0.69 0.70 0.54 0.68 0.57 0.42 0.23 0.42 0.37
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 2.53 2.25 1.79 2.40 1.86 1.30 0.68 1.24 1.06
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 6.61 6.75 5.60 7.88 6.83 4.14 2.16 4.03 3.22
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 7.17 7.39 6.11 8.60 7.58 4.60 2.42 4.57 3.63
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 9.11 9.36 7.72 10.88 9.54 5.80 3.04 5.67 4.56
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 5.16 7.53 6.58 6.17 6.61 7.13 5.02 2.85 5.30 4.00
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 4.11 4.83 1.88 2.40 2.73
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
0.00 0.51 0.56 0.25 0.24 0.29 0.22 0.11 0.08 0.08 0.04
Long-Term Debt to Equity
0.00 0.48 0.53 0.23 0.22 0.28 0.20 0.10 0.07 0.07 0.03
Financial Leverage
0.00 0.51 0.56 0.25 0.24 0.39 0.37 0.18 0.16 0.18 0.12
Leverage Ratio
0.00 9.19 9.27 8.07 8.03 8.46 8.33 7.87 7.86 7.70 7.56
Compound Leverage Factor
0.00 9.19 9.27 8.07 8.03 8.46 8.33 7.87 7.86 7.70 7.56
Debt to Total Capital
0.00% 33.81% 35.82% 19.97% 19.47% 22.58% 17.80% 10.06% 7.38% 7.09% 3.98%
Short-Term Debt to Total Capital
0.00% 2.03% 1.81% 1.69% 1.65% 0.82% 1.16% 0.72% 0.94% 0.81% 0.93%
Long-Term Debt to Total Capital
0.00% 31.78% 34.01% 18.27% 17.82% 21.76% 16.64% 9.34% 6.43% 6.28% 3.05%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
0.00% 66.19% 64.18% 80.03% 80.53% 77.42% 82.20% 89.94% 92.62% 92.91% 96.02%
Debt to EBITDA
0.00 0.00 3.43 1.94 2.03 2.62 2.13 0.98 0.70 0.68 0.35
Net Debt to EBITDA
0.00 0.00 0.07 -1.15 -2.49 -2.36 -3.69 -4.13 -5.59 -4.55 -4.37
Long-Term Debt to EBITDA
0.00 0.00 3.26 1.77 1.86 2.53 2.00 0.91 0.61 0.60 0.26
Debt to NOPAT
0.00 0.00 4.73 2.69 2.80 3.62 2.98 1.37 0.98 0.96 0.49
Net Debt to NOPAT
0.00 0.00 0.10 -1.60 -3.42 -3.27 -5.16 -5.78 -7.87 -6.41 -6.18
Long-Term Debt to NOPAT
0.00 0.00 4.49 2.46 2.56 3.49 2.79 1.28 0.86 0.85 0.37
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
0.00 -1,250 0.00 -1,193 -1,213 -39 116 41 81 145 91
Operating Cash Flow to CapEx
26,964.90% 11,971.15% 1,412.96% 2,676.98% 1,952.52% 4,511.34% 219.46% 1,311.09% 753.79% 2,818.04% 1,181.66%
Free Cash Flow to Firm to Interest Expense
0.00 -37.45 0.00 -30.41 -29.14 -0.90 2.98 1.14 2.12 3.62 2.53
Operating Cash Flow to Interest Expense
1.44 0.56 1.08 0.69 0.50 1.13 0.13 0.73 0.39 1.23 0.58
Operating Cash Flow Less CapEx to Interest Expense
1.44 0.56 1.00 0.66 0.48 1.10 0.07 0.68 0.34 1.19 0.53
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.00 0.00 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover
0.00 0.00 4.31 4.44 4.45 4.54 4.62 4.68 4.82 4.96 5.11
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
0.00 1,275 1,367 1,205 1,238 1,336 1,267 1,188 1,183 1,214 1,201
Invested Capital Turnover
0.00 0.00 0.27 0.62 0.60 0.29 0.29 0.33 0.33 0.32 0.34
Increase / (Decrease) in Invested Capital
0.00 1,275 0.00 1,205 1,238 61 -100 -18 -55 -122 -66
Enterprise Value (EV)
0.00 716 943 838 664 907 721 504 269 508 446
Market Capitalization
0.00 729 933 981 959 1,179 1,112 1,006 967 1,081 1,051
Book Value per Share
$0.00 $33.80 $35.15 $35.17 $36.32 $37.41 $37.64 $38.49 $39.36 $40.51 $41.37
Tangible Book Value per Share
$0.00 $29.59 $30.96 $31.39 $32.56 $33.71 $33.99 $34.88 $35.77 $36.95 $37.84
Total Capital
0.00 1,275 1,367 1,205 1,238 1,336 1,267 1,188 1,183 1,214 1,201
Total Debt
0.00 431 489 241 241 302 226 119 87 86 48
Total Long-Term Debt
0.00 405 465 220 221 291 211 111 76 76 37
Net Debt
0.00 -13 10 -143 -295 -272 -390 -502 -698 -574 -605
Capital Expenditures (CapEx)
0.15 0.16 2.90 1.01 1.07 1.07 2.26 2.01 1.99 1.75 1.76
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
0.00 431 489 241 241 302 226 119 87 86 48
Total Depreciation and Amortization (D&A)
3.57 3.04 1.75 2.50 2.52 2.91 2.62 4.11 3.78 4.42 3.31
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $1.01 $0.97 $0.46 $0.90 $0.81 $0.59 $0.85 $0.95 $0.83 $0.89
Adjusted Weighted Average Basic Shares Outstanding
0.00 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M
Adjusted Diluted Earnings per Share
$0.00 $1.00 $0.94 $0.45 $0.88 $0.79 $0.57 $0.83 $0.93 $0.82 $0.89
Adjusted Weighted Average Diluted Shares Outstanding
0.00 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 24.96M 27.43M 27.44M 27.64M 27.67M 27.75M 27.83M 27.84M 27.88M 27.92M
Normalized Net Operating Profit after Tax (NOPAT)
28 25 24 14 25 24 23 24 26 23 27
Normalized NOPAT Margin
28.54% 27.41% 26.89% 15.27% 26.40% 24.13% 23.15% 24.50% 24.99% 21.60% 24.44%
Pre Tax Income Margin
36.34% 34.75% 34.05% 16.33% 32.34% 29.08% 20.43% 30.86% 31.22% 26.36% 29.00%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
1.26 0.96 0.80 0.39 0.75 0.67 0.52 0.83 0.86 0.70 0.89
NOPAT to Interest Expense
0.99 0.76 0.63 0.31 0.59 0.52 0.42 0.66 0.69 0.58 0.69
EBIT Less CapEx to Interest Expense
1.26 0.95 0.73 0.36 0.72 0.64 0.46 0.77 0.81 0.66 0.84
NOPAT Less CapEx to Interest Expense
0.99 0.75 0.56 0.29 0.56 0.50 0.36 0.60 0.63 0.53 0.64
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

FirstSun Capital Bancorp (FSUN) has shown a generally improving operating trend in 2025 across revenue and loan growth, with stronger net interest income and higher non-interest income. However, rising credit-loss provisions and growing non-interest expenses, along with some cash-flow volatility, are notable negatives to watch. Below are the 10 most material points drawn from FSUN’s quarterly data over the last four years, with positives listed first, then neutral items, and finally negatives.

  • Total Revenue has trended higher in 2025, reaching 110,205,000 in Q4 2025 from 98,682,000 in Q4 2024 (and generally rising through 2025).
  • Net Interest Income rose steadily in 2025, hitting 83,461,000 in Q4 2025 up from 72,069,000 in Q4 2024, reflecting improved net interest performance.
  • Loans and Leases, Net of Allowance grew to about 6.60B by Q4 2025, up from roughly 6.39B earlier in 2025, signaling loan growth.
  • Total Deposits climbed to about 7.11B in Q4 2025 (roughly 1.67B non-interest bearing + 5.43B in interest-bearing deposits), up from prior quarters in 2025.
  • Non-Interest Income rose to 26,744,000 in Q4 2025 from 21,635,000 in Q4 2024, contributing to better diversification of revenue.
  • Total Common Equity increased to about 1.127B by Q4 2025, up from about 1.068B in Q4 2024, signaling stronger capital levels.
  • Net Income to Common Shareholders in Q4 2025 was 24,806,000, essentially flat versus Q4 2024’s 24,807,000, indicating limited quarterly earnings growth despite revenue gains.
  • Provision for Credit Losses rose to 6,200,000 in Q4 2025 from 4,850,000 in Q4 2024, suggesting higher anticipated loan losses or reserve building.
  • Total Non-Interest Expense increased to 72,041,000 in Q4 2025 from 52,308,000 in Q4 2024, indicating rising operating costs.
  • Cash flow shows quarterly volatility: Net Change in Cash & Equivalents was negative at -7,307,000 in Q4 2025, with notable large investing outflows in some quarters (e.g., -185,512,000 in Q3 2025 for Other Investing Activities).
05/05/26 03:41 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About FirstSun Capital Bancorp's Financials

When does FirstSun Capital Bancorp's financial year end?

According to the most recent income statement we have on file, FirstSun Capital Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has FirstSun Capital Bancorp's net income changed over the last 4 years?

FirstSun Capital Bancorp's net income appears to be on an upward trend, with a most recent value of $97.94 million in 2025, rising from $43.16 million in 2021. The previous period was $75.63 million in 2024. Find out what analysts predict for FirstSun Capital Bancorp in the coming months.

How has FirstSun Capital Bancorp's revenue changed over the last 4 years?

Over the last 4 years, FirstSun Capital Bancorp's total revenue changed from $279.48 million in 2021 to $419.27 million in 2025, a change of 50.0%.

How much debt does FirstSun Capital Bancorp have?

FirstSun Capital Bancorp's total liabilities were at $7.33 billion at the end of 2025, a 3.9% increase from 2024, and a 10.2% increase since 2022.

How much cash does FirstSun Capital Bancorp have?

In the past 3 years, FirstSun Capital Bancorp's cash and equivalents has ranged from $343.53 million in 2022 to $652.59 million in 2025, and is currently $652.59 million as of their latest financial filing in 2025.

How has FirstSun Capital Bancorp's book value per share changed over the last 4 years?

Over the last 4 years, FirstSun Capital Bancorp's book value per share changed from 0.00 in 2021 to 41.37 in 2025, a change of 4,136.9%.



Financial statements for NASDAQ:FSUN last updated on 3/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners