FSUN · Firstsun Capital Bancorp
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AI Brief
Q2 FY26 earnings call · Jul 28, 2026TL;DR. FirstSun reported a Q2 net loss of $(22.9) million driven by $57.6M in merger-related expenses and two large C&I charge-offs totaling ~$35M pre-tax, while completing the First Foundation acquisition and $3.9B balance sheet repositioning. The Board authorized a $150M share repurchase program and management guided NIM to the mid-380s by Q4 and low-60s adjusted efficiency ratio in 2H26, with mid-single-digit loan/deposit growth expected in 2027.
- + Completed $3.9B balance sheet repositioning, lowering wholesale funding ratio to 6.8% in line with legacy F-Sun levels.
- + TBV dilution from the acquisition came in at ~10%, better than the ~14% original estimate.
- + Guided NIM to improve to mid-380s in Q4 2026 and high-380s in Q1 2027, driven by cost of funds improvement.
- + Adjusted efficiency ratio guided to low-60s in Q4 2026 and high-50s to low-60s in Q1 2027, with cost saves ahead of schedule.
- + Service fee revenue grew 50.7% sequentially and represented 22.2% of total revenue, evidencing diversified model.
- − Reported a Q2 net loss of $(22.9) million, or $(0.49) per diluted share, versus $21.6M net income in Q1.
- − Two C&I charge-offs totaling ~$35M pre-tax drove provision expense of $40.4M and an annualized 1.45% net charge-off ratio.
- − NPLs increased to 1.64% of loans and criticized loans to 7.7%, with $143M of legacy Sunflower loan downgrades.
- − NIM compressed to 3.58% from 4.25% in Q1 due to acquired portfolio mix and repositioning timing.
- − Guided full-year 2026 net charge-off ratio to high-50s basis points, well above normalized levels.
- − CET1 ratio declined to 11.95% from 13.77% in Q1 and TBV per share fell to $35.16 from $38.57.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FSUN
this stock
Firstsun Capital Bancorp
|
$1.87B | +6.7% | — | 20.3 | 2.6% |
|
MFG
Mizuho Financial Group Inc
|
$133.86B | +56.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.92B | -36.1% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$107.26B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.48B | -1.4% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FSUN | -1.2% | -1.8% | +13.1% | +0.4% | +6.7% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | 0.0% | 0.0% | -4.8% | +0.7% | -5.4% |
Capital returns
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.