FIRSTSUN CAPITAL BANCORP (FSUN) Earnings History

FIRSTSUN CAPITAL BANCORP - Q4 2025 EarningsBeat

Filed at: Jan 26, 2026, 4:33 PM EST|Read from source

EXECUTIVE SUMMARY

FirstSun Capital Bancorp reported strong operating results for Q4 2025, driven by an increase in net interest margin and loan growth. The company highlighted its strategic focus on C&I, consumer, and service fee businesses, positioning it for continued success in 2026 despite acknowledging macroeconomic and geopolitical risks.

POSITIVE HIGHLIGHTS

  • •

    Net income increased to $24.8 million ($0.88 per diluted share) in Q4 2025 from $16.4 million ($0.58 per diluted share) in Q4 2024.

    positive
  • •

    Net interest margin increased 11 basis points to 4.18% in Q4 2025 compared to the prior quarter.

    positive
  • •

    Average loan growth was 8.5% annualized in Q4 2025.

    positive
  • •

    Full year 2025 net income increased to $97.9 million ($3.47 per diluted share) from $75.6 million ($2.69 per diluted share) in 2024.

    positive

CONCERNS & RISKS

  • •

    Provision for credit losses totaled $6.2 million in Q4 2025, primarily due to net portfolio downgrades.

    attention
  • •

    Net charge-offs were $5.0 million in Q4 2025, elevated due to a write-down related to a specific customer relationship in the C&I loan portfolio.

    attention
  • •

    Merger related expenses increased by $2.0 million in Q4 2025 compared to the prior quarter.

    attention
  • •

    The effective tax rate increased to 22.4% in Q4 2025 from 18.1% in the prior quarter.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$24.30M
N/A
Net Income
Quarterly
$24.81B
N/A
EPS (Diluted)
Quarterly
$0.88
+51.7%
Prior year: $0.58
Annual (YTD)
$3.47
N/A
Prior year: $2.69
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$0.89
+50.9%
Prior year: $0.59
Annual (YTD)
$3.52
N/A
Prior year: $2.76

MARGIN ANALYSIS

Net Margin
Current Quarter
22.5%
Prior Year
16.6%
YoY Change
+593 bps

Margin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.

MANAGEMENT COMMENTARY

We are very pleased with our strong operating results in the fourth quarter.

— FIRSTSUN CAPITAL BANCORP, Q4 2025 2025 Earnings Call

Our strategic focus on our C&I, consumer and service fee businesses has enabled us to continue to responsibly grow our franchise and deliver strong earnings once again this year.

— FIRSTSUN CAPITAL BANCORP, Q4 2025 2025 Earnings Call

While we acknowledge the potential influence of macroeconomic and geopolitical risks, we look forward to the franchise opportunities ahead in 2026 and believe our business model and well diversified business mix will position us for continued success.

— FIRSTSUN CAPITAL BANCORP, Q4 2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Loan To Deposit Ratio
93.9
Prior year: 95.6
%
Noninterest Income To Total Revenue
24.3
+11.0% YoY
Prior year: 21.9
%

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.