FirstSun Capital Bancorp (FSUN) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FSUN SEC filings page.
FirstSun Capital Bancorp (FSUN) reported $511.6M in revenue over the twelve months to Jun 30, 2026, up 28.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FirstSun’s FY2025 recovery improved profitability and returns, while its bank-shaped balance sheet remains heavily liability-funded and lightly capital-intensive.
The rebound in net income to$97.9M from$75.6M lifted return on assets from0.9% to1.2% , while debt-to-equity eased from 6.8x to 6.4x. That combination points to better earnings productivity alongside modest balance-sheet de-leveraging, not simply a larger asset base producing more dollars.
Reported operating cash flow of
Revenue reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of FirstSun Capital Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
FirstSun Capital Bancorp earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and FirstSun Capital Bancorp scores 68/100 among other banks.
FirstSun Capital Bancorp reported revenue of $419.3M in fiscal year 2025, against $386.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and FirstSun Capital Bancorp scores 41/100 among other banks.
FirstSun Capital Bancorp funded 13.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.2B of equity against $8.5B of assets. Capital ranks banks on that cushion, and FirstSun Capital Bancorp scores 73/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. FirstSun Capital Bancorp scores 47/100 on it among other banks.
Not available for FirstSun Capital Bancorp, and counted as zero in the overall score.
FirstSun Capital Bancorp reported net income of $97.9M in fiscal year 2025, against $75.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and FirstSun Capital Bancorp scores 45/100 among other banks.
FirstSun Capital Bancorp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, FirstSun Capital Bancorp generates $1.14 in operating cash flow ($111.5M OCF vs $97.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
FirstSun Capital Bancorp generated $184.1M in revenue in Q2 2026. This represents an increase of 74.4% from the same quarter a year earlier. Against the prior quarter it is up 67.5%.
FirstSun Capital Bancorp reported -$22.9M in net income in Q2 2026. This represents a decrease of 186.6% from the same quarter a year earlier. Against the prior quarter it is down 205.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
FirstSun Capital Bancorp generated $1.1B in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 8382.7% from the same quarter a year earlier. Against the prior quarter it is up 7919.5%.
FirstSun Capital Bancorp held $989.5M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
FirstSun Capital Bancorp's net profit margin was -12.4% in Q2 2026, showing the share of revenue converted to profit. This is down 37.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 32.0 percentage points.
FirstSun Capital Bancorp's ROE was -1.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
FirstSun Capital Bancorp invested $85K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 95.7% from the same quarter a year earlier. Against the prior quarter it is down 95.2%.
Not reported for Q2 2026.
Not reported for Q2 2026.
FSUN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $184.1M+74.4% | $110.0M+14.3% | $110.2M+11.7% | $107.3M+9.2% | $105.6M+9.8% | $96.2M+2.8% | $98.7M+10.5% | $98.2M+6.7% |
| SG&A Expenses | $68.7M+56.5% | $47.4M+19.7% | $43.5M+13.0% | $44.8M+14.0% | $43.9M+10.3% | $39.6M+5.9% | $38.5M+27.7% | $39.3M+15.7% |
| Interest Expense | $86.8M+126.0% | $33.3M-7.3% | $35.8M-8.2% | $40.2M-6.1% | $38.4M-7.7% | $36.0M-8.3% | $39.0M+2.9% | $42.8M+28.2% |
| Income Tax | -$5.1M-177.8% | $4.8M-21.8% | $7.2M+87.9% | $5.1M-16.9% | $6.6M+0.6% | $6.1M+104.5% | $3.8M-40.4% | $6.1M-9.1% |
| Net Income | -$22.9M-186.6% | $21.6M-8.4% | $24.8M+51.7% | $23.2M+3.4% | $26.4M+7.4% | $23.6M+91.7% | $16.4M-31.9% | $22.4M-11.1% |
| EPS (Basic) | -$0.49-151.6% | $0.77-9.4% | $0.89+50.8% | $0.83+2.5% | $0.95+5.6% | $0.85+84.8% | $0.59-38.5% | $0.81-19.8% |
| EPS (Diluted) | -$0.49 | $0.76-8.4% | $0.88+54.4% | $0.82+3.8% | $0.93+5.7% | $0.83+84.4% | $0.57-40.0% | $0.79-21.0% |
| Diluted Shares (Avg) | 47M | 28M+0.1% | N/A | 28M+0.3% | 28M+0.7% | 28M+2.4% | N/A | 28M+11.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FSUN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.7B+86.3% | $8.6B+4.2% | $8.5B+4.8% | $8.5B+4.4% | $8.4B+5.5% | $8.2B+5.6% | $8.1B+2.8% | $8.1B+4.9% |
| Cash & Equivalents | $989.5M+26.0% | $413.7M-33.4% | $652.6M+6.0% | $659.9M+15.0% | $785.1M+46.5% | $621.4M+62.0% | $615.9M+28.5% | $573.7M+29.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $102.5M+9.7% | $93.5M0.0% | $93.5M0.0% | $93.5M0.0% | $93.5M0.0% | $93.5M0.0% | $93.5M0.0% | $93.5M0.0% |
| Total Liabilities | $13.9B+89.1% | $7.4B+3.4% | $7.3B+3.9% | $7.4B+3.7% | $7.3B+4.8% | $7.1B+4.9% | $7.1B+0.8% | $7.1B+2.8% |
| Total Equity | $1.8B+67.7% | $1.2B+10.0% | $1.2B+10.8% | $1.1B+9.0% | $1.1B+9.9% | $1.1B+10.7% | $1.0B+18.7% | $1.0B+22.6% |
| Retained Earnings | $629.8M+8.0% | $652.7M+17.2% | $631.1M+18.4% | $606.3M+17.3% | $583.1M+17.9% | $556.7M+18.5% | $533.1M+16.5% | $516.8M+19.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
FSUN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.1B+7257.9% | -$12.4M-146.9% | $20.8M+318.2% | $49.4M+2.6% | $15.0M-28.3% | $26.4M-2.7% | $5.0M-87.9% | $48.1M+157.8% |
| Depreciation & Amortization | $2.8M+35.1% | $2.1M+5.0% | $2.1M+7.4% | $2.1M+12.3% | $2.1M+14.0% | $2.0M+13.9% | $1.9M+9.7% | $1.8M-27.1% |
| Stock-Based Compensation | N/A | $1.3M+97.3% | N/A | N/A | N/A | $636K+29.3% | N/A | N/A |
| Capital Expenditures | -$85K-95.7% | $1.8M-12.8% | $1.8M-22.3% | $1.8M+64.2% | $2.0M+85.7% | $2.0M+98.6% | $2.3M-22.1% | $1.1M+584.0% |
| Free Cash Flow | $1.1B+8382.7% | -$14.1M-158.0% | $19.0M+603.2% | $47.6M+1.2% | $13.0M-34.5% | $24.3M-6.7% | $2.7M-92.9% | $47.1M+154.2% |
| Investing Cash Flow | $3.4B+7853.6% | -$278.0M-139.2% | $8.6M-90.6% | -$178.3M-70.5% | -$44.3M-2.6% | -$116.2M-369.3% | $91.6M+193.4% | -$104.5M-2425.4% |
| Financing Cash Flow | -$4.0B-2152.6% | $51.5M-46.0% | -$36.6M+32.5% | $3.7M-96.1% | $193.0M+10.7% | $95.3M+197.2% | -$54.3M-158.7% | $94.3M+248.8% |
| Dividends Paid | $25.0M | $0 | N/A | N/A | $0 | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
FSUN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -12.4%-37.4pp | 19.6%-4.9pp | 22.5%+5.9pp | 21.6%-1.2pp | 25.0%-0.6pp | 24.5%+11.4pp | 16.6%-10.3pp | 22.8%-4.6pp |
| Return on Equity | -1.2%-3.6pp | 1.8%-0.4pp | 2.1%+0.6pp | 2.1%-0.1pp | 2.4%-0.1pp | 2.2%+0.9pp | 1.6%-1.2pp | 2.2%-0.8pp |
| Return on Assets | -0.1%-0.5pp | 0.3%0.0pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%-0.1pp | 0.3%-0.1pp |
| Debt-to-Equity | 7.55+0.9x | 6.29-0.4x | 6.36-0.4x | 6.53-0.3x | 6.70-0.3x | 6.69-0.4x | 6.78-1.2x | 6.87-1.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 480.1% | -12.8%-38.1pp | 17.2%+14.5pp | 44.4%-3.5pp | 12.3%-8.3pp | 25.3%-2.6pp | 2.7%-39.9pp | 47.9%+27.8pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| FirstSun Capital Bancorp FSUN | FY2025 | $419.3M | $97.9M | 23.4% | $1.7B | 46/100 |
| Peoples Bancorp Inc/OH PEBO | FY2025 | $459.3M | $106.8M | 23.3% | $1.3B | 49/100 |
| OceanFirst Financial Corp OCFC | FY2025 | $404.9M | $67.1M | 16.6% | $1.6B | 37/100 |
| Community Trust Bancorp Inc CTBI | FY2025 | $282.6M | $98.1M | 34.7% | $1.4B | 65/100 |
| Tompkins Financial Corporation TMP | FY2025 | $446.6M | $161.1M | 36.1% | $1.4B | 49/100 |
Where FirstSun Capital Bancorp Ranks
Frequently Asked Questions
What is FirstSun Capital Bancorp's annual revenue?
FirstSun Capital Bancorp (FSUN) reported $419.3M in total revenue for fiscal year 2025. This represents a 8.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is FirstSun Capital Bancorp's revenue growing?
FirstSun Capital Bancorp (FSUN) revenue grew by 8.4% year-over-year, from $386.7M to $419.3M in fiscal year 2025.
Is FirstSun Capital Bancorp profitable?
Yes, FirstSun Capital Bancorp (FSUN) reported a net income of $97.9M in fiscal year 2025, with a net profit margin of 23.4%.
What is FirstSun Capital Bancorp's net profit margin?
FirstSun Capital Bancorp (FSUN) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is FirstSun Capital Bancorp's return on equity (ROE)?
FirstSun Capital Bancorp (FSUN) has a return on equity of 8.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is FirstSun Capital Bancorp's free cash flow?
FirstSun Capital Bancorp (FSUN) generated $104.0M in free cash flow during fiscal year 2025. This represents a 8.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is FirstSun Capital Bancorp's operating cash flow?
FirstSun Capital Bancorp (FSUN) generated $111.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are FirstSun Capital Bancorp's total assets?
FirstSun Capital Bancorp (FSUN) had $8.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are FirstSun Capital Bancorp's capital expenditures?
FirstSun Capital Bancorp (FSUN) invested $7.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is FirstSun Capital Bancorp's debt-to-equity ratio?
FirstSun Capital Bancorp (FSUN) had a debt-to-equity ratio of 6.36 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is FirstSun Capital Bancorp's return on assets (ROA)?
FirstSun Capital Bancorp (FSUN) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is FirstSun Capital Bancorp's P/E ratio?
FirstSun Capital Bancorp (FSUN) trades at 37.2x earnings, its market capitalization divided by net income of $46.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is FirstSun Capital Bancorp's price-to-sales ratio?
FirstSun Capital Bancorp (FSUN) trades at 3.4x sales, its market capitalization divided by revenue of $511.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is FirstSun Capital Bancorp's Piotroski F-Score?
FirstSun Capital Bancorp (FSUN) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are FirstSun Capital Bancorp's earnings high quality?
FirstSun Capital Bancorp (FSUN) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is FirstSun Capital Bancorp?
FirstSun Capital Bancorp (FSUN) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.