FIRSTSUN CAPITAL BANCORP (FSUN) Form 8-K — Oct 26, 2026
FirstSun Capital Bancorp (NASDAQ: FSUN) reported Q3 2026 net income of $38.4 million, or $0.82 per diluted share, with adjusted net income of $48.2 million, or $1.03 per diluted share. This marks record reported and adjusted quarterly earnings, up from a $22.9 million net loss in the prior quarter and $23.2 million ($0.82) in Q3 2025. Net interest margin expanded 24 basis points to 3.82%, driven by balance sheet repositioning after the First Foundation acquisition, and the company completed the First Foundation core system conversion in Q3. Merger cost saves are running above expectations with roughly 70% of announced savings achieved.
Key figures
- Eps
- 0.82
- Guidance
- Q4 2026 outlook: mid single digit loan and deposit growth, NIM in mid-3.80s, efficiency ratio low-60s, CET1 11.75-12%, ~$100M additional buybacks over next three quarters, NIM into high-3.80s by 1Q 2027; assumes one 25bps Fed rate increase by year-end.
- Net Income
- 38382000
- Total Debt
- 206222000
- Total Assets
- 15276885000
- Cash Position
- 729157000
- Shares Outstanding
- 45552676
- Loans hfi
- $11.5 billion
- Cet1 ratio
- 11.99%
- Buyback amount
- $49.7 million
- Buyback shares
- 1,245,224
- Total deposits
- $13.0 billion
- Efficiency ratio
- 70.43% (adjusted 63.06%)
- Noninterest income
- $39.4 million
- Adjusted net income
- $48.2 million
- Net interest margin
- 3.82%
- Noninterest expense
- $126.6 million
- Adjusted diluted eps
- $1.03
- Return on avg assets
- 0.98% (adjusted 1.23%)
- Return on avg equity
- 8.23% (adjusted 10.33%)
- Yoy net income prior
- $23.2 million
- Net charge offs ratio
- 0.11% annualized
- Net interest income q3
- $140.3 million
- Prior quarter net loss
- -$22.9 million
- Provision for credit losses
- $4.4 million
- Tangible book value per share
- $35.60
AI analysis
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