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FirstSun Capital Bancorp (FSUN)
NASDAQ:FSUN
Earnings Data
Report Date
May 04, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.88Last Year’s EPS
0.83Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted multiple strong operating metrics: robust Q4 profitability (adjusted EPS $0.95), healthy revenue and NIM expansion (4.18%, +11 bps), solid loan fundings (≈$350M, +30% YoY Q4) and diversified fee growth (noninterest revenue +~24% YoY in Q4; +13% FY). Capital metrics and tangible book value improved materially, and management provided constructive 2026 stand-alone guidance. Offsetting items include concentrated charge-offs (two C&I loans driving ~75% of charge-offs), elevated provisioning/allowance movements, flat period-end loan and deposit balances in Q4, and competitive deposit pricing that may pressure betas and margins. Overall, the positive operating results, margin stability, and strong capital position outweigh the contained credit and deposit headwinds.Company Guidance
Strong Quarterly Profitability
Adjusted net income of $26.9 million in Q4; adjusted diluted EPS of $0.95 and adjusted ROAA of 1.27%.
Revenue and Margin Expansion
Quarterly revenue growth annualized at 10.8% vs prior quarter; net interest margin 4.18% in Q4, up 11 basis points from Q3 and >4.00% for 13 consecutive quarters.
Loan Growth and Originations
Average loan growth of 8.5% annualized in Q4; new loan fundings of approximately $350 million in Q4 (up ~30% vs Q4 2024); full-year net loan growth of ~ $300 million (~5% YoY), driven largely by C&I.
Noninterest Revenue Strength
Q4 noninterest revenue of $26.7 million (~$0.4 million above Q3) and up ~24% vs Q4 2024; full-year noninterest revenue grew ~$12.1 million (~13% YoY) with mortgage and treasury management up 21% and 18%, respectively.
Positive Operating Leverage
Full-year positive adjusted operating leverage of $11.5 million, with adjusted efficiency ratio for the quarter at 63.36% (slightly down sequentially due to higher net revenue).
Deposit and Funding Cost Improvement
Interest-bearing deposit costs down ~21 basis points in Q4; total cost of deposits ~1.98% for the quarter and ~1.90% at end of December; wholesale funding favorably impacted by early sub-debt payoff.
Capital and Tangible Book Value Strength
Tangible book value per share improved by $3.89 (~11.5% YoY) to $37.83; CET1 ratio ended at 14.12%.
Prudent Forward Guidance
2026 stand-alone outlook: mid-single-digit NII growth, NIM stable vs FY25, noninterest revenue growth expected in low double-digits to low teens, adjusted noninterest expense growth mid- to high-single digits, and allowance / NCO expectations (ALLL ≈ mid-high 120s bps; NCO mid-high 20s bps).
FSUN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FSUN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $37.81 | $38.90 | +2.87% |
Oct 01, 2025 | $38.86 | $38.86 | 0.00% |
Jul 28, 2025 | $39.25 | $35.98 | -8.33% |
Apr 28, 2025 | $36.04 | $35.32 | -2.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does FirstSun Capital Bancorp (FSUN) report earnings?
FirstSun Capital Bancorp (FSUN) is schdueled to report earning on May 04, 2026, TBA (Confirmed).
What is FirstSun Capital Bancorp (FSUN) earnings time?
FirstSun Capital Bancorp (FSUN) earnings time is at May 04, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FSUN EPS forecast?
FSUN EPS forecast for the fiscal quarter 2026 (Q1) is 0.88.