)
Visual
test
FirstSun Capital
FirstSun Capital (FSUN) investor relations material
FirstSun Capital Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved full year 2025 net income of $97.9 million and adjusted net income of $100.5 million, with diluted EPS up 29% year-over-year and adjusted EPS up 13.7%.
Q4 2025 adjusted net income was $26.9 million and adjusted diluted EPS was $0.95, driven by robust revenue growth and a net interest margin of 4.18%.
Tangible book value per share increased 11.5% year-over-year to $37.83.
Progressing on integration planning and balance sheet optimization for the pending merger with First Foundation.
Return on average total assets for Q4 2025 was 1.17% (adjusted 1.27%); for the year, 1.18% (adjusted 1.21%).
Financial highlights
Total revenue for 2025 grew 8.4% to $419.3 million, with net interest income at $317.4 million, up 8.3% year-over-year.
Q4 2025 net interest income was $83.5 million, and noninterest income for Q4 was $26.7 million; full year noninterest income was $101.9 million.
Efficiency ratio for 2025 was 64.82% (adjusted 64.17%); Q4 adjusted efficiency ratio was 63.36%.
Loans held-for-investment ended at $6.67 billion, deposits at $7.11 billion, and total assets at $8.49 billion as of year-end.
Loan-to-deposit ratio was 93.9% at year-end.
Outlook and guidance
2026 outlook projects mid-single digit growth in average loans, deposits, and net interest income, with stable net interest margin and mid-60s efficiency ratio.
Noninterest income expected to grow in the low double-digit to low teens percentage range in 2026.
Allowance for credit losses to loans expected to remain in the mid to high 120s basis points, with net charge-off ratio in the mid to high 20s basis points for 2026.
Adjusted noninterest expense expected to grow in the mid to high single digit range.
Outlook excludes effects of the pending merger with First Foundation.
What drove elevated C&I loan charge-offs?
NIM strategy in declining rate environment?
First Foundation merger synergy realization?
Special mention increase drivers
Post-merger deposit strategy flexibility
C&I team expansion: Texas vs. SoCal
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- VF
Underlying EBIT up 81% to SEK 30.9 bn; profit down 41% amid divestments and market shifts. - ADDT
Earnings and margins rose, acquisitions accelerated, and outlook remains positive. - NCC
Record profits in core segments, major impairment, dividend maintained, outlook positive. - 7004
Order intake and sales rose, but losses and technical issues led to lower profit forecasts. - KIO
Headline earnings per share expected up 11–23% on higher prices and stable operations. - AAL
2026 copper and diamond guidance lowered, premium iron ore guidance raised, portfolio reshaping ongoing. - VRCI
Revenue rose to $3.8m in FY25, fueled by Tutivia test adoption and expanded US coverage. - SYNC
NAV per share rose 3.6% as late-stage clinical assets and Beacon's uplift drove portfolio gains. - SHEL
$18.5B adjusted earnings, $26.1B free cash flow, and $22B+ shareholder returns in 2025. - CPG
Q1 organic revenue up 7.3%, Vermaat acquired, and 2026 profit growth guidance reaffirmed.
Next FirstSun Capital earnings date
Q1 202628 Apr, 2026
FirstSun Capital
Next FirstSun Capital earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
FirstSun Capital Bancorp, based in Denver, Colorado, operates as the financial holding company for Sunflower Bank, N.A. This institution also includes divisions such as First National 1870 and Guardian Mortgage within its structure. The company delivers a wide array of financial products and services, including deposit, lending, treasury management, wealth management, and online banking solutions through Sunflower Bank, National Association, and Logia Portfolio Management, LLC. Their offerings cater to both individual customers and businesses, featuring commercial loans, real estate loans, residential mortgages, various banking deposit products, and treasury management products and services. The company is headquartered in Denver, Colorado, and its shares are listed on the OTCQX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage