FirstSun Capital Bancorp (FSUN)

NASDAQ:FSUN

FSUN

FirstSun Capital Bancorp

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FirstSun Capital Bancorp (FSUN) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 23, 2026

TBA (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.76

Last Year’s EPS

0.93

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 3 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 27, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented multiple favorable performance indicators including strong loan origination, robust NIM, double-digit NII growth, healthy noninterest income expansion, tangible book value and capital improvement, and promising early progress on First Foundation integration and cost synergies. Offsetting these positives were elevated provisioning and a meaningful Q1 charge-off event, modest deposit runoff (notably brokered deposits), near-term margin compression as repositioning occurs, and ongoing work to reduce investor CRE concentration and complete $1.3 billion of remaining loan downsizing. Management provided clear timelines and reasonable guidance for repositioning, synergy realization, and capital positioning, and emphasized there are no broad sectoral or geographic credit breakdowns—credit stress appears concentrated in a few specific credits. On balance, the positive operational and strategic progress and capital improvements outweigh the near-term credit and repositioning challenges.

Company Guidance

Management updated 2026 guidance that full‑year net interest margin should be in the mid‑3.80s (with Q2–Q3 stepping into the mid‑3.60s–3.70s and Q4 lifting into the high‑3.90s), noninterest income to total revenue drifting into the lower‑20s percent, adjusted efficiency (ex‑merger costs) running in the mid‑ to lower‑60s for the next couple quarters, improving to ~60% in Q4 and toward a ~58% fully phased‑in run‑rate, and net charge‑offs to average loans finishing the year in the mid‑20 bps range; loans and deposits are expected to be relatively stable through year‑end post‑reposition/post‑mark and return to balanced growth thereafter. Key repositioning targets include completing the remaining ~$1.3B of First Foundation loan downsizing by end‑Q2 (after ~$1.0B, or ~44% of a planned $2.3B, was already reduced), managing ~$310M of multifamily repricing remaining in 2026 and ~$400M in 2027, lowering investor CRE to <250% of capital by end‑Q2 (legacy <120%), and reducing wholesale funding to ~10% by end‑Q2 (legacy ~6%); the company completed securities downsizing in April, exited $1.4B of acquired FHLB term advances, and expects ~65% of cost synergies phased in by end‑Q2 with full phasing by year‑end (cost saves modestly ahead of original targets). Finance metrics reiterated/updated in the call included Q1 adjusted net income $23.7M (adj. EPS $0.84, adj. ROA 1.14%), Q1 NIM 4.25%, >16% annualized loan growth in Q1 with loan balances up ≈$267M and new loan fundings of $528M, 11% YoY NII growth, Q1 provision $8.3M, net charge‑offs ~$10.5M (≈63 bps annualized), ACL 1.2% of loans (down 7 bps), NPAs ~86 bps, TBV/share improving $0.74 to $38.57, expected CET1 ~11% post‑reposition (vs. 10.5% previously) and capacity for near‑term share repurchases, and management still views 2027 EPS in the $5+ neighborhood.

Strong Adjusted Profitability

Adjusted net income of $23.7 million, adjusted diluted EPS of $0.84, and adjusted ROA of 1.14% for Q1.

Robust Loan Growth and Origination

Loan balances increased ~ $267 million in Q1 with loan growth over 16% annualized; new loan fundings totaled $528 million in the quarter (up 47% Q/Q and 32% YoY).

Healthy Net Interest Margin and NII Growth

NIM of 4.25%, up 7 basis points sequentially and marking 14 consecutive quarters above 4%; net interest income grew 11% year-over-year.

Strong Noninterest Income Mix and Growth

Noninterest income represented 24.7% of total revenue and was roughly 25% higher versus Q1 last year, driven by mortgage and treasury service fee growth.

Acquisition Integration Momentum

First Foundation acquisition closed April 1, 2026; teams reporting early cross-selling momentum and integration progress with phased cost synergies ~65% realized by end of Q2 and full phasing expected by year-end.

Balance Sheet Repositioning Progress

Legacy First Foundation reduced ~$1.0 billion (44% of planned $2.3 billion) in loan downsizing prior to close; remaining ~$1.3 billion targeted for completion by end of Q2; exited all acquired FHLB term advances totaling $1.4 billion in April.

Capital and TBV Improvement

Tangible book value per share improved by $0.74 to $38.57; pro forma CET1 expected around 11% post-repositioning (above prior 10.5% expectation), creating capacity for potential near-term share repurchases.

Funding Cost Improvements

Interest-bearing deposit costs decreased 14 basis points sequentially, supporting margin expansion and NII.

FirstSun Capital Bancorp (FSUN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FSUN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2026	2026 (Q2)	0.76 / -	0.93	―	―	―
Apr 27, 2026	2026 (Q1)	0.87 / 0.84	0.83	1.20% (+0.01)
Jan 26, 2026	2025 (Q4)	0.85 / 0.95	0.86	10.47% (+0.09)
Oct 01, 2025	2025 (Q3)	0.89 / 0.82	0.84	-2.38% (-0.02)	―	―
Jul 28, 2025	2025 (Q2)	0.89 / 0.93	0.9	3.33% (+0.03)
Apr 28, 2025	2025 (Q1)	0.80 / 0.83	0.53	56.60% (+0.30)
Jan 27, 2025	2024 (Q4)	0.82 / 0.86	0.943	-8.80% (-0.08)	―	―
Oct 28, 2024	2024 (Q3)	0.85 / 0.84	0.995	-15.58% (-0.16)	―	―
Jul 29, 2024	2024 (Q2)	0.90 / 0.90	1.111	-18.99% (-0.21)	―	―
Apr 30, 2024	2024 (Q1)	- / 0.53	1.031	-48.59% (-0.50)	―	―

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
Apr 27, 2026	$38.61	$37.31	-3.37%
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%

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 Jul 23, 2026, TBA (Confirmed).

What is FirstSun Capital Bancorp (FSUN) earnings time?

FirstSun Capital Bancorp (FSUN) earnings time is at Jul 23, 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 (Q2) is 0.76.