FirstSun Capital Bancorp (NASDAQ: FSUN) closed at $38.68, up 2.1% at the market close. The stock move followed the company’s release of fourth-quarter financial results for fiscal 2025.
Market Capitalization
Market capitalization: $1.05 billion.
Latest Quarterly Results (Q4 2025)
The company reported consolidated revenue of $110.2 million for Q4 2025. Reported net income for the quarter was $24.8 million, and adjusted diluted earnings per share were $0.95. Quarterly revenue increased compared with the second quarter and the year‑ago quarter, reflecting steady growth in core lending activities and fee income. Adjusted profitability showed margin improvements after accounting for provision and expense movements.
Segment highlights included a net interest income contribution of $83.5 million and noninterest income of $26.7 million in the quarter. Provision for credit losses was $6.2 million, while noninterest expense totaled $72.0 million for Q4. The retail loan book, including mortgage and consumer portfolios, recorded expansion during the quarter. Wholesale and commercial lending balances were managed through selective origination and portfolio pruning.
Financial Trends
Full-Year Results Context
For the full year 2025, revenue totaled $419.3 million and net income was $97.9 million. Annual results reflected growth in loan volumes and continued diversification of fee revenue. Directional trend: revenue and net income showed year‑on‑year growth for the fiscal year.
Business & Operations Update
Balance sheet metrics at Dec 31, 2025, included loans held for investment of approximately $6,670 million and total deposits of roughly $7,110 million. Capital measures showed a CET1 ratio of 14.12% and a tangible book value per share around $37.83. Liquidity levels and funding composition were noted as part of the quarter’s operating discussion.
M&A or Strategic Moves
No acquisitions were announced during the quarter. The company referenced integration planning and balance‑sheet optimization in relation to recent strategic actions.
Equity Analyst Commentary
Equity research commentary following the results referenced the company’s revenue runway, margins and the implications of capital initiatives. Analysts highlighted the company’s progress on expense discipline and noted the importance of provisioning trends in upcoming quarters.
Guidance & Outlook — what to watch for
What to watch for: execution against loan growth plans, net interest margin stability amid rate movements, the trajectory of credit provisions and the integration of any pending strategic actions. Investors will look for quarterly statements that clarify margin drivers and funding costs moving forward.
Performance Summary
Performance summary: Shares closed at $38.68, up 2.1%. Q4 revenue was $110.2 million, with net income of $24.8 million and adjusted EPS of $0.95. Loan and deposit growth supported the company’s balance sheet expansion during the reporting period.
