FirstSun Capital Bancorp functions as the parent entity for Sunflower Bank, offering a comprehensive suite of commercial and retail banking as well ...
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Est. EPS $0.97 · Revenue $181.07M · 3 analysts
Est. EPS $1.06 · Revenue $184.66M · 3 analysts
Est. EPS $3.32 · Revenue $663.23M · 3 analysts
Est. EPS $1.08 · Revenue $184.26M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $569.6M | +5.5% | +13.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $97.9M | +29.5% | -205.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +69.3% | +6.9% | -73.7% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +22.0% | +24.7% | -193.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +17.2% | +22.8% | -193.7% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $104.0M | +8.6% | +7920.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +18.3% | +3.0% | +7022.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 3.2% | -71.2% | +19.3% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.16x | +63.9% | +1031.4% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $8.5B | +4.8% | +83.5% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 3.53 vs 3.43 | +2.8% | -0.81 vs 0.36 | -323.4% |
| Revenue Surprise | $569.6M vs $420.3M | +35.5% | $155.8M vs $182.9M | -14.8% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | ELVING BEVERLY O | director | Common Stock, $0.0001 par value | A | 7,553 | $19.72 |
| Aug 13, 2026 | ELVING BEVERLY O | director | Common Stock, $0.0001 par value | D | 4,505 | $40.88 |
| Aug 13, 2026 | ELVING BEVERLY O | director | Stock Option, Common Stock, $0.0001 par value | D | 7,553 | $19.72 |
| Jun 8, 2026 | Cohn Spencer | director | Common Stock, $0.0001 par value | A | 2,099 | — |
| Jun 8, 2026 | Edelson Sam | director | Common Stock, $0.0001 par value | A | 2,099 | — |
Operator : Thank you. Good morning and welcome to the First Son Capital Bank Corp. Second Quarter 2026 Earnings Conference Call. At this time, all participants are in listen-only mode. Later, we will conduct a question and answer session. If you would like to ask a question this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. Also, as a reminder, this call may be recorded. I'd now like to turn the call over to Ed Jacks, First Sons Director of Investor Relations and Business Development. Ed, you may begin. Ed Jacques : Thank you and good morning. I'm joined today by Neil Arnold, our Chief Executive Officer and President, Rob Kuffera, our Chief Financial Officer, and Jennifer Norse, our Chief Credit Officer. We'll start the call with some brief remarks to highlight commentary around our second quarter results before moving into questions. Our comments will reference the earnings release and earnings presentation, which you will find on our website under the investor relations section. During this call, we will comment on our financial performance using both GAAP, MetaMask, and and non-GAAP financial measures. Important information about these non-GAAP financial measures, including reconciliations to comparable GAAP measures, is included in the appendix to our earnings presentation and in our earnings release. During this call, we will also make remarks about future expectations, plans, and for the company that constitute forward-looking statements for the purposes of the safe harbor provisions under the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by these forward-looking statements as a result of various important factors. to our earnings presentation as well as our annual report on form 10-K and our other SEC filings for a further discussion of the company's risk factors and other important information regarding our forward-looking statements. We undertake no obligation to publicly revise or update any forward-looking statement, except as required by law. And I'll turn the call over to Neil Arnold. Neal Arnold : Thanks, Ed. And good morning, and thank you for joining us. The second quarter marks an important milestone for First Son as we completed our acquisition of First Foundation on April 1st and continued the hard work of integrating their businesses. We believe the expanded footprint in the Southern California markets and their premier management platform have added significantly and strengthens our franchise and positions us for future success. The middle market business opportunity in Southern Cal aligns well with our CNI playbook. I would argue that Southern California is the best core deposit market in the United States, as some of you have heard me say. I believe that coupled with adding our Southwest Florida markets to our existing deposit markets across Texas, Kansas, New …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Neal E. Arnold | Chief Executive Officer, President, Chief Operating Officer & Director | USD 1,634,400 | Male | 1960 | Active |
Robert A. Cafera Jr. | Senior Executive Vice President & Chief Financial Officer | USD 1,124,827 | Male | 1970 | Active |
Laura J. Frazier | Executive VP & Chief Administration Officer | USD 1,048,927 | Female | 1971 | Active |
Jennifer L. Norris | Executive VP & Chief Credit Officer | USD 896,877 | Female | 1974 | Active |
Mollie Hale Carter | Executive Chairman | USD 521,600 | Female | 1962 | Active |
Doug Reese | Chief Accounting Officer | — | Male | — | Active |
Ed Jacques | Director of Investor Relations & Business Development | — | Male | 1976 | Active |
Thomas C. Shafer | Executive Vice Chairman | — | Male | 1959 | Active |
Allie Nagy | General Counsel | — | Female | — | Active |
Kelly C. Rackley | Corporate Secretary | — | Female | — | Active |
NEW YORK, July 30, 2026 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of FirstSun Capital Bancorp ("FirstSun" or the "Company") (NASDAQ: FSUN). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext.
FirstSun Capital Bancorp (FSUN) Q2 2026 Earnings Call Transcript
NEW YORK, July 28, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of FirstSun Capital Bancorp (“FirstSun” or the “Company”) (NASDAQ: FSUN). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext.
FirstSun Capital Bancorp NASDAQ: FSUN reported a second-quarter net loss of $23 million, or $0.49 per diluted share, as merger-related expenses and elevated credit provisions weighed on results following its April 1 acquisition of First Foundation.
While the top- and bottom-line numbers for FirstSun Capital (FSUN) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
