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FSUN · Firstsun Capital Bancorp

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$40.00 +0.08 (+0.20%) At close · Aug 21
Market Cap
$1.86B
Shares
46.58M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$40.00 Open$40.25 Day$39.89–40.36 52W close$30.16–41.40 Avg vol 30d274K Short int1.4M · 3.1% float · 5.0d Short vol33% Last earningsJul 27, 2026 DataAug 2022–Aug 2026 Filing10-Q · Aug 10

Up next

Next earnings call
Oct 26, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 10, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 15.1 · calm Equity put/call 0.51
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +8%
      above
      Price vs 50-day avg +6%
      above
      RSI (14) 59
      neutral
      MACD trend Negative
      52-week position 88%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return +16%
      trailing
      6-month return +8%
      trailing
      YTD return +6%
      this year
      Relative strength −4%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $38 › 200d $37 — 50d above 200d
      Institutional flow Accumulating
      +24% holders QoQ · +57 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      3.10% of float · ▲ +3.0% MoM · 5.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      164 holders — near 3-yr high, broad support
      Squeeze score 57
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +29%
      Y/Y
      Free cash flow $104.0M
      Valuation P/E 20.2
      rich
      Buyback $150.0M
      authorized
      Balance sheet $652.6M
      net cash
      Quant / Vol
      risk profile
      Moderate
      Volatility 37%
      annualized · 1-yr
      Max drawdown −27%
      past year
      ATR 2.4%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Jun 30, 2026
      second half of this year
      Acquired multifamily loan portfolio balance runoff $0 – $100M
      2027
      Acquired multifamily loan portfolio balance runoff $0 – $285M
      first quarter of 27
      Adjusted efficiency ratio Non-GAAP 55% – 62%
      full year
      Net charge-offs to average loans 0.01% – 0.01%
      Prior guidance period ended · from the 8-K filed Jul 9, 2026
      Provision for credit losses · second quarter of 2026 $40M – $41M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +8% Bullish
      Price vs 50-day avg
      +6% Bullish
      RSI (14)
      59 Neutral
      MACD trend
      Negative Bearish
      52-week position
      88% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $38 › 200d $37 — 50d above 200d
      Institutional flow Accumulating
      +24% holders QoQ · +57 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      3.10% of float · ▲ +3.0% MoM · 5.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      164 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $30 Now $40 · 88% Range high $41
      vs 200-day avg +8% vs 50-day avg +6%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted Annualized EOP Deposit Growth non-GAAP 3.6% Year-to-Date 2026 —
      Adjusted Annualized EOP Loan Growth non-GAAP 9.7% Year-to-Date 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Diluted (loss) earnings per share (GAAP) -$0.49
      +$0.94 Merger related expenses, net of tax
      = Adjusted diluted earnings per share $0.45
      GAAP → non-GAAP reconciliation
      GAAP Efficiency ratio (GAAP) 93.25%
      -31.26% Merger related expenses
      = Adjusted efficiency ratio 61.99%
      Adjusted pre-tax pre provision diluted earnings per share non-GAAP $1.5 Q2 FY2026 —
      Adjusted pre-tax pre provision return on average assets non-GAAP 1.65% Q2 FY2026 —
      Adjusted ROATE (non-GAAP) non-GAAP 7.12% the six months ended June 30, 2026 —
      Adjusted total noninterest expense (non-GAAP) non-GAAP $186.81M the six months ended June 30, 2026 —
      Annualized EOP Deposit Growth 179.1% Year-to-Date 2026 —
      Annualized EOP Loan Growth 147.9% Year-to-Date 2026 —
      AUM / AUA 7.92B Q2 2026 —
      Average deposits, excluding the impact of acquired First Foundation deposits, net of repositioni non-GAAP 226.5M June 30, 2026 —
      Common equity tier 1 risk-based capital ratio 11.95% June 30, 2026 —
      Credit adjusted net interest margin non-GAAP 3.44% FY2026 (twelve months ended June 30, 2026) —
      GAAP → non-GAAP reconciliation
      GAAP Net interest margin (GAAP) 4.02%
      -0.58% Impact from net charge-offs to average earning assets
      = Credit adjusted net interest margin 3.44%
      Deposits, excluding the impact of acquired First Foundation deposits, net of repositioning non-GAAP 83.9M June 30, 2026 —
      FTE net interest income (non-GAAP) non-GAAP $145.39M the three months ended June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net interest income (GAAP) 143.2M
      +2.2M Gross income effect of tax exempt income
      = FTE net interest income (non-GAAP) 145.39M
      Full Service Branches 99 As of June 30, 2026 —
      Full-Time Employees 1,630 As of June 30, 2026 —
      Loans, excluding the impact of acquired First Foundation loans, net of repositioning non-GAAP 105.5M June 30, 2026 —
      Net interest margin on FTE basis (non-GAAP) non-GAAP 3.63% the three months ended June 30, 2026 —
      Nonperforming assets to total assets 1.32% the second quarter of 2026 —
      Nonperforming loans to loans 1.64% June 30, 2026 —
      Ratio of total uninsured and uncollateralized deposits to total deposits 28% June 30, 2026 —
      Ratio of total uninsured deposits to total deposits 31.6% June 30, 2026 —
      Return on average tangible stockholders' equity (ROATE) (non-GAAP) non-GAAP 0.36% the six months ended June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Book value per share (GAAP) $39.29
      -$2.19 Goodwill
      -$1.94 Other intangible assets
      = Tangible book value per share $35.16
      Tangible stockholders' equity to tangible assets non-GAAP 10.59% As of June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Total stockholders' equity to total assets (GAAP) 11.69%
      -1.1% Impact of goodwill and other intangible assets
      = Tangible stockholders' equity to tangible assets 10.59%
      Tier 1 leverage ratio 9.47% As of June 30, 2026 —
      Total deposits, excluding acquired deposits, net of downsizing (non-GAAP) non-GAAP $7.17B June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Total deposits (GAAP) 13.42B
      -8.77B Less: Acquired deposits at date of merger, net of purchase accounting discounts
      +2.53B Add: Deposits downsized
      = Total deposits, excluding acquired deposits, net of downsizing (non-GAAP) 7.17B
      Total loans, excluding acquired loans, net of downsizing (non-GAAP) non-GAAP $6.83B June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Total loans (GAAP) 11.57B
      -6.07B Less: Acquired loans at date of merger, net of purchase accounting discounts
      +1.33B Add: Loans downsized
      = Total loans, excluding acquired loans, net of downsizing (non-GAAP) 6.83B
      Total risk-based capital ratio 14.13% June 30, 2026 —
      Wholesale funding ratio 6.8% Q2 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 21.58M
      +2.09M Merger related expenses, net of tax
      = Adjusted net income 23.67M
      Loan growth 16.2% first quarter of 2026 —
      Adjusted return on average stockholders' equity non-GAAP 9.11% FY 2025 —
      Average loan growth 8.5% Q4 2025 —
      Net interest margin (FTE basis) non-GAAP 4.16% FY 2025 —
      Return on average tangible stockholders' equity non-GAAP 9.95% FY 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FSUN
      Firstsun Capital Bancorp
      this stock
      		$1.86B +6.3% — 20.2 3.1%
      MFG
      Mizuho Financial Group Inc
      		 $124.83B +40.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $121.52B -35.4% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B +0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +19.4% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      164
      % held
      52.9%
      Net QoQ
      +13.2M sh
      Top holder
      WELLINGTON MANAGEMENT GRO…
      Held Float
      View
      Held by Funds
      Fund positions
      159
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      1.4M
      Days to cover
      5.0d
      Change
      +41.5K sh
      View
      Short Volume
      Short vol %
      33%
      As of
      Aug 21, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      1.2K
      Value
      $41.5K
      As of
      Jul 27, 2026
      View
      Off-Exchange
      Off-exchange %
      39.3%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $97.9M
      EPS diluted
      $3.47
      View
      Buybacks
      Authorized
      $150.0M
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 10, 2026
      This year
      17
      View
      Exempt Offerings
      Offering
      $235.0M
      Filed
      Jul 1, 2024
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 27, 2026
      View
      Investor Relations
      Latest news
      FirstSun Capital Bancorp Reports…
      Published
      Jul 27, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FSUN -2.7% +16.0% +7.8% +3.4% +6.3%
      SPY -1.4% +3.6% +11.6% +2.5% +12.3%
      vs SPY -1.3% +12.4% -3.8% +0.9% -6.0%

      Capital returns

      Buyback program · as of Jul 24, 2026
      Authorized
      $150.00M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1709442 CUSIP 33767U107 13F (30d) 156 filings 155 filers Visit website Investor relations

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