FSUN · Firstsun Capital Bancorp
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Metrics snapshot
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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 NeutralIllustrative 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 diluted earnings per share non-GAAP | $0.45 | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Diluted (loss) earnings per share (GAAP) -$0.49
+$0.94 Merger related expenses, net of tax
= Adjusted diluted earnings per share $0.45
|
|||
| Adjusted return on average tangible stockholders' equity non-GAAP | 5.86% | the three months ended June 30, 2026 filing | — |
| Adjusted return on average total assets non-GAAP | 0.5% | three months ended June 30, 2026 filing | — |
| Net interest margin (FTE basis) non-GAAP | 3.63% | the three months ended June 30, 2026 filing | — |
| Return on average tangible stockholders' equity non-GAAP | -4.69% | the three months ended June 30, 2026 filing | — |
| Tangible book value per share non-GAAP | $35.16 | three months ended June 30, 2026 filing | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FSUN
this stock
Firstsun Capital Bancorp
|
$1.85B | +5.0% | — | 20.1 | 2.8% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 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 | -0.6% | -2.8% | +3.6% | +2.4% | +5.0% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.3% | -2.3% | -8.6% | +1.4% | -7.9% |
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.