Earnings summaries and quarterly performance for FIRSTSUN CAPITAL BANCORP.
Executive leadership at FIRSTSUN CAPITAL BANCORP.
Neal E. Arnold
Detailed
Chief Executive Officer and President; Chief Operating Officer (FirstSun)
CEO
JL
Jennifer L. Norris
Detailed
Executive Vice President and Chief Credit Officer; Chief Operating Officer (Sunflower Bank)
LJ
Laura J. Frazier
Detailed
Executive Vice President and Chief Administrative Officer
MH
Mollie H. Carter
Detailed
Executive Chair
RA
Robert A. Cafera, Jr.
Detailed
Senior Executive Vice President and Chief Financial Officer
Board of directors at FIRSTSUN CAPITAL BANCORP.
Research analysts who have asked questions during FIRSTSUN CAPITAL BANCORP earnings calls.
MC
Matthew Clark
Piper Sandler
8 questions for FSUN
Also covers: AVBH, BANC, BANR +24 more
MO
Matt Olney
Stephens Inc.
7 questions for FSUN
Also covers: BFST, BOKF, BSVN +21 more
MR
Michael Rose
Raymond James Financial, Inc.
7 questions for FSUN
Also covers: AMTB, BFST, BKU +25 more
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
7 questions for FSUN
Also covers: AMTB, BKU, BMRC +15 more
Timothy Mitchell
Raymond James
1 question for FSUN
Also covers: AMTB, BOKF, HTH +6 more
WL
Wood Lay
Keefe, Bruyette & Woods
1 question for FSUN
Also covers: AMTB, BKU, BMRC +14 more
Recent press releases and 8-K filings for FSUN.
FirstSun Capital Bancorp Amends Merger Agreement Regarding Non-Voting Common Stock Conversion Rights
FSUN
M&A
Convertible Preferred Issuance
- FirstSun Capital Bancorp and First Foundation Inc. entered into Amendment No. 1 to their Merger Agreement on February 6, 2026, modifying terms related to the non-voting common stock.
- The amendment removes the previous restriction that prevented holders of non-voting common stock from converting shares into common stock if it would result in owning more than 4.99% of FirstSun's voting securities.
- Conversion of non-voting common stock into common stock is now permitted at the holder's election if a "Diluting Action" by FirstSun reduces the holder's percentage ownership of voting securities, provided the conversion does not lead to a greater percentage of voting securities than held immediately prior to the action.
- The amendment does not alter the merger consideration, exchange ratio, voting mechanics, or any other economic terms of the Merger Agreement.
9 hours ago
FirstSun Capital Bancorp Reports Strong Q4 and Full Year 2025 Results, Provides 2026 Outlook, and Updates on Merger
FSUN
Earnings
Guidance Update
M&A
- FirstSun Capital Bancorp reported strong Q4 2025 results, with adjusted diluted EPS of $0.95 and an adjusted ROA of 1.27%, driven by 10.8% annualized revenue growth and a net interest margin of 4.18%.
- For the full year 2025, the company achieved 7% net interest income growth and 13% non-interest revenue growth, contributing to $11.5 million of positive adjusted operating leverage.
- The company provided a standalone outlook for 2026, projecting mid-single digit growth in loans, deposits, and net interest income, with non-interest revenue growth in the low double-digit to low teens range, and a stable net interest margin.
- FirstSun is progressing with its pending merger with First Foundation, having filed a definitive joint proxy statement on January 15, 2026, and expects the combined entity's loan-to-deposit ratio to be in the mid-80s range.
Jan 27, 2026, 4:00 PM
FSUN Reports Q4 and Full Year 2025 Results with Positive 2026 Outlook
FSUN
Earnings
Guidance Update
- FSUN reported net income of $24.8 million and diluted EPS of $0.88 for Q4 2025.
- For the full year 2025, total revenue increased by 8.4% to $419.3 million, and diluted EPS grew by 29.0% over 2024 to $3.47.
- The company maintained a strong Net Interest Margin (NIM) of 4.18% in Q4 2025 and ended the year with robust capital ratios, including a CET1 ratio of 14.12% and a Total Capital Ratio of 15.73%.
- FSUN provided a positive outlook for 2026, projecting mid-single-digit growth rates for average loans, average deposits, and net interest income, along with low double-digit to low teens growth for noninterest income, assuming two Fed 25bps rate cuts and stable NIM.
Jan 27, 2026, 4:00 PM
FirstSun Capital Bancorp Reports Strong Q4 2025 Results and Provides 2026 Outlook
FSUN
Earnings
Guidance Update
M&A
- FirstSun Capital Bancorp reported adjusted diluted EPS of $0.95 and adjusted net income of $26.9 million for Q4 2025, with revenue growth up 10.8% annualized and net interest margin at a strong 4.18%.
- For the full year 2025, the company achieved 7% net interest income growth and 13% non-interest revenue growth over 2024.
- The company expects mid-single digit net interest income growth and a stable net interest margin for 2026 on a standalone basis, alongside low double-digit to low teens non-interest revenue growth.
- Asset quality in Q4 2025 showed an allowance for credit losses as a percentage of loans at 1.27%, and the full-year charge-off ratio was 43 basis points, primarily driven by two loans.
- Progress continues on the pending merger with First Foundation, with a definitive joint proxy statement filed on January 15th, 2026, and teams are making strides in integration planning and balance sheet optimization.
Jan 27, 2026, 4:00 PM
FSUN Reports Strong Q4 2025 Results and Provides 2026 Outlook
FSUN
Earnings
Guidance Update
M&A
- FirstSun Capital Bancorp reported strong Q4 2025 adjusted net income of $26.9 million and adjusted diluted EPS of $0.95, alongside an adjusted return on assets of 1.27%.
- The company achieved 10.8% annualized revenue growth and a net interest margin of 4.18% in Q4 2025, while full-year 2025 saw 7% net interest income growth and 13% non-interest revenue growth.
- For the full year 2025, loans grew by almost 5% and total deposits increased by approximately 6.5%, with a year-end loan-to-deposit ratio of 93.9%. The capital position strengthened, with TBV per share improving by 11.5% to $37.83 and a CET1 ratio of 14.12%.
- FirstSun provided a 2026 outlook (standalone basis), projecting mid-single digit growth in average balance loans and deposits, mid-single digit net interest income growth with stable NIM, and low double-digit to low teens non-interest revenue growth. The pending merger with First Foundation is progressing, with a definitive joint proxy statement filed on January 15, 2026.
Jan 27, 2026, 4:00 PM
FirstSun Capital Bancorp Reports Strong Q4 and Full Year 2025 Results
FSUN
Earnings
- FirstSun Capital Bancorp reported net income of $24.8 million and diluted earnings per share of $0.88 for the fourth quarter of 2025, an increase from $16.4 million and $0.58, respectively, in the fourth quarter of 2024. For the full year 2025, net income was $97.9 million and diluted EPS was $3.47, up from $75.6 million and $2.69 in 2024.
- The company's net interest margin increased to 4.18% in Q4 2025, an 11 basis point improvement from the prior quarter, with the full year 2025 net interest margin at 4.10%.
- FirstSun achieved annualized average loan growth of 8.5% in Q4 2025, contributing to 4.7% loan growth and 6.6% average deposit growth for the full year 2025.
- Book value per share increased to $41.36 and tangible book value per share to $37.83 as of December 31, 2025, reflecting an increase of $0.88 and $0.91, respectively, from September 30, 2025.
Jan 26, 2026, 9:33 PM
FirstSun Capital Bancorp Reports Fourth Quarter and Full Year 2025 Results
FSUN
Earnings
New Projects/Investments
- FirstSun Capital Bancorp reported net income of $24.8 million and $0.88 per diluted share for the fourth quarter of 2025, and $97.9 million and $3.47 per diluted share for the full year 2025.
- The company achieved a net interest margin of 4.18% in Q4 2025 and 4.10% for the full year 2025. For the full year 2025, loans grew by 4.7% to $6.7 billion, and deposits increased by 6.5% to $7.1 billion.
- CEO Neal Arnold highlighted strong operating results, including growth in net interest margin, average loan growth, and revenue growth, and noted progress on operational integration planning and balance sheet optimization with the First Foundation team.
Jan 26, 2026, 9:30 PM
FirstSun Capital Bancorp Merger with First Foundation Inc. Under Investigation
FSUN
M&A
Legal Proceedings
- FirstSun Capital Bancorp is involved in a merger with First Foundation Inc..
- Upon completion of the proposed transaction, FirstSun shareholders will own 59.5% of the combined company.
- The merger is currently under investigation by Monteverde & Associates PC, a class action firm.
Dec 12, 2025, 6:20 PM
FirstSun Capital Bancorp Secures $40 Million Equity Investment from Castle Creek Capital
FSUN
New Projects/Investments
Board Change
M&A
- Affiliates of Castle Creek Capital acquired a $40 million equity position in FirstSun Capital Bancorp from legacy stockholders, establishing Castle Creek as one of FirstSun's largest institutional stockholders with an approximate 4% ownership stake as of December 4, 2025.
- Spencer T. Cohn, a Director at Castle Creek Capital, is expected to join FirstSun's board of directors, effective upon the earlier of the closing of the proposed merger with First Foundation Inc. or the 2026 annual meeting of stockholders.
- To facilitate this board appointment, Isabella Cunningham announced her resignation as a director, effective at the earlier of the proposed merger closing or the 2026 Annual Meeting.
Dec 4, 2025, 1:31 PM
FirstSun Capital Bancorp's Merger with First Foundation Inc. Under Investigation
FSUN
M&A
Legal Proceedings
- Monteverde & Associates PC is investigating the merger of FirstSun Capital Bancorp with First Foundation Inc.
- Upon completion of the proposed transaction, FirstSun shareholders are expected to own 59.5% of the combined company.
Nov 21, 2025, 10:30 PM
Quarterly earnings call transcripts for FIRSTSUN CAPITAL BANCORP.
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