FirstSun Capital Bancorp logo

FirstSun Capital Bancorp

FSUN

NASDAQFinancial ServicesBanks - Regional

Previous close

$40.00

+$0.08 · +0.20%

Aug 21, 4:00 PM ET

FSUN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

88

Deep Value

Momentum

44

Neutral

Sentiment

65

Bullish

Risk resilience

67

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

FirstSun Capital Bancorp functions as the parent entity for Sunflower Bank, offering a comprehensive suite of commercial and retail banking as well as financial solutions primarily to small and mid-sized businesses. Its deposit offerings include non-interest and interest-bearing demand accounts, standard checking and savings accounts, money market options, and certificates of deposit. The bank provides a variety of lending products, such as commercial and industrial loans, commercial real estate mortgages (both owner and non-owner occupied), 1-4 family and multi-family housing loans, and home equity lines. Consumer credit solutions feature direct installment loans, credit card facilities, overdraft protection, and other revolving credit products. Beyond core banking, FirstSun Capital Bancorp also delivers remote deposit, cash management, and treasury management services, along with extensive wealth management and trust products encompassing personal, employee benefit, investment advisory, and foundation/endowment accounts. The company serves its clientele through branch locations situated in Kansas, Colorado, New Mexico, Texas, and Arizona. Founded in 1892 and headquartered in Denver, Colorado, the firm was formerly known as Sunflower Financial, Inc. before rebranding as FirstSun Capital Bancorp in June 2017.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Neal E. Arnold
Listed since
Aug 3, 2022
Employees
1,210

Market position

Day range

Current $40.00

52-week range

Current $40.00

Open
$39.99
Previous close
$39.92
Volume
204.18K
0.77× average
Average volume
266.33K
Average daily volume
Market cap
1.87B USD
Beta
0.19
Market reference 1
50-day average
$37.8305
+5.73% above average
200-day average
$36.9883
+8.14% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
23.95×
P/B (TTM)
0.61×
P/S (TTM)
3.19×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
55.54%
Operating margin
10.36%
Net margin
7.95%

Financial health

Debt / equity
0.12×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%70%38%6%Gross margin, FY2021: 94.04%Gross margin, FY2022: 87.57%Gross margin, FY2023: 71.46%Gross margin, FY2024: 64.79%Gross margin, FY2025: 69.28%Operating margin, FY2021: 18.04%Operating margin, FY2022: 21.28%Operating margin, FY2023: 27.10%Operating margin, FY2024: 17.61%Operating margin, FY2025: 21.96%Net margin, FY2021: 15.02%Net margin, FY2022: 17.01%Net margin, FY2023: 21.34%Net margin, FY2024: 14.00%Net margin, FY2025: 17.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.04%. Gross margin FY2022 87.57%. Gross margin FY2023 71.46%. Gross margin FY2024 64.79%. Gross margin FY2025 69.28%. Operating margin FY2021 18.04%. Operating margin FY2022 21.28%. Operating margin FY2023 27.10%. Operating margin FY2024 17.61%. Operating margin FY2025 21.96%. Net margin FY2021 15.02%. Net margin FY2022 17.01%. Net margin FY2023 21.34%. Net margin FY2024 14.00%. Net margin FY2025 17.19%.

Income trends

Revenue

569.65M USD+5.48%

Operating income

125.11M USD+31.54%

Net income

97.94M USD+29.50%
Income trends across reported periods622.3M USD411.7M USD201.11M USD−9.48M USDRevenue, FY2021: 287.36M USDRevenue, FY2022: 347.92M USDRevenue, FY2023: 485.21M USDRevenue, FY2024: 540.07M USDRevenue, FY2025: 569.65M USDOperating income, FY2021: 51.84M USDOperating income, FY2022: 74.02M USDOperating income, FY2023: 131.48M USDOperating income, FY2024: 95.11M USDOperating income, FY2025: 125.11M USDNet income, FY2021: 43.16M USDNet income, FY2022: 59.18M USDNet income, FY2023: 103.53M USDNet income, FY2024: 75.63M USDNet income, FY2025: 97.94M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 287.36M USD. Revenue FY2022 347.92M USD. Revenue FY2023 485.21M USD. Revenue FY2024 540.07M USD. Revenue FY2025 569.65M USD. Operating income FY2021 51.84M USD. Operating income FY2022 74.02M USD. Operating income FY2023 131.48M USD. Operating income FY2024 95.11M USD. Operating income FY2025 125.11M USD. Net income FY2021 43.16M USD. Net income FY2022 59.18M USD. Net income FY2023 103.53M USD. Net income FY2024 75.63M USD. Net income FY2025 97.94M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue569.65M USD540.07M USD485.21M USD347.92M USD287.36M USD
Cost of goods sold174.98M USD190.18M USD138.5M USD43.24M USD17.12M USD
Gross profit394.67M USD349.89M USD346.71M USD304.68M USD270.23M USD
Selling, general, and administrative167.46M USD164.21M USD142.46M USD142M USD158.59M USD
Operating expenses269.56M USD254.78M USD215.23M USD230.66M USD218.39M USD
Interest income467.77M USD459.54M USD413.68M USD266.82M USD169.35M USD
Interest expense150.38M USD162.63M USD120.25M USD25.19M USD14.12M USD
Depreciation and amortization7.95M USD10.14M USD12.24M USD12.17M USD8.6M USD
Operating income125.11M USD95.11M USD131.48M USD74.02M USD51.84M USD
Net income97.94M USD75.63M USD103.53M USD59.18M USD43.16M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
56%
5 beats, 3 misses, 1 met estimate
Average EPS surprise
+3.48%
9 comparable reports
Latest EPS result
0.45
Estimate 0.36 · Beat by 24.14%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.010.780.550.31Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.86, estimate 0.81, surprise +6.17%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.83, estimate 0.79, surprise +5.06%, Beat. Q3 2025, reported Jul 28, 2025: actual 0.93, estimate 0.91, surprise +2.20%, Beat. Q4 2025, reported Oct 27, 2025: actual 0.82, estimate 0.9, surprise -8.89%, Miss. Q1 2026, reported Jan 26, 2026: actual 0.95, estimate 0.86, surprise +10.47%, Beat. Q2 2026, reported Apr 27, 2026: actual 0.84, estimate 0.9, surprise -6.67%, Miss. Q3 2026, reported Jul 27, 2026: actual 0.45, estimate 0.363, surprise +24.14%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.96, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates191.51M157.29M123.06M88.84MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 98.68M USD, estimate 98.67M USD, surprise +0.02%, Beat. Q2 2025, reported Apr 28, 2025: actual 96.21M USD, estimate 99.46M USD, surprise -3.27%, Miss. Q3 2025, reported Jul 28, 2025: actual 111.46M USD, estimate 103.34M USD, surprise +7.86%, Beat. Q4 2025, reported Oct 27, 2025: actual 109.24M USD, estimate 106.73M USD, surprise +2.35%, Beat. Q1 2026, reported Jan 26, 2026: actual 110.21M USD, estimate 107.61M USD, surprise +2.41%, Beat. Q2 2026, reported Apr 27, 2026: actual 109.95M USD, estimate 108.8M USD, surprise +1.06%, Beat. Q3 2026, reported Jul 27, 2026: actual 184.14M USD, estimate 182.85M USD, surprise +0.71%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 181.07M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$45.33

13.32% upside
Past 12 months12-month forecastHigh $47.00Average $45.33Low $44.00

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy125%
Buy375%
Hold00%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions

FSUN peers

ETFs holding FSUN

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research FSUN

research.disclaimer