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Equiscale · Syntellia LLC
FirstSun Capital Bancorp operates as the bank holding company for Sunflower Bank, National Association that provides commercial and consumer banking and financial services to small and medium-sized companies in the United States. It operates through Banking and Mortgage Operations segments. The company offers noninterest and interest-bearing deposit accounts, checking and savings accounts, money market and term certificate accounts, and treasury management products and services, as well as certificates of deposit. It also provides commercial and industrial loans, commercial real estate loans, residential mortgage loans, and small business administration loans, as well as consumer loans, including car, boat, and other recreational vehicle loans. In addition, the company offers residential real estate loans comprising 1-4 family loans, home equity loans, and multi-family loans, as well as credit card accounts, overdrafts, and other revolving loans. Further, it provides remote deposit and cash management products; wealth management services include private banking, wealth planning, investment management, and trust and retirement plan services; and wealth management and trust products, including personal trust and agency accounts, employee benefit and retirement related trust and agency accounts, investment management and advisory agency accounts, and foundation and endowment trust and agency accounts. Additionally, the company offers online banking and bill payment services, online cash management, safe deposit box rentals, and debit card and ATM card services; and packaging and securitization of loans to governmental agencies. It operates through branches in Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington. The company was formerly known as Sunflower Financial, Inc. and changed its name to FirstSun Capital Bancorp in June 2017. FirstSun Capital Bancorp was founded in 1892 and is headquartered in Denver, Colorado.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $409M | - | $98M | $104M | 8.5% | 8.4% | 29.5% |
| 2024 | $377M | - | $76M | $96M | 7.3% | 3.4% | -27.0% |
| 2023 | $365M | - | $104M | $121M | 11.8% | 13.1% | 74.9% |
| 2022 | $323M | - | $59M | $95M | 7.6% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 322.73 | 364.96 | 377.44 | 409.04 |
| Operating Revenue | - | 322.73 | 364.96 | 377.44 | 409.04 |
| Selling General And Administration | - | 142 | 142.46 | 164.21 | 180.38 |
| Interest Income | - | 266.82 | 413.68 | 459.54 | 467.77 |
| Interest Expense | - | 25.18 | 120.25 | 162.63 | 150.38 |
| Net Interest Income | - | 241.63 | 293.43 | 296.91 | 317.39 |
| Pretax Income | - | 74.02 | 131.48 | 95.11 | 122.90 |
| Tax Provision | - | 14.84 | 27.95 | 19.48 | 24.96 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -3.73 | 0 | -2.70 | -0.56 |
| Net Income Continuous Operations | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Net Income From Continuing And Discontinued Operation | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Net Income From Continuing Operation Net Minority Interest | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Net Income | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Net Income Common Stockholders | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Net Income Including Noncontrolling Interests | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Normalized Income | - | 74.04 | 103.53 | 86.11 | 100.12 |
| Diluted NI Availto Com Stockholders | - | 59.18 | 103.53 | 75.63 | 97.94 |
| Basic Average Shares | - | 23.25 | 24.94 | 27.43 | 27.79 |
| Diluted Average Shares | - | 23.84 | 25.39 | 28.07 | 28.25 |
| Reconciled Depreciation | - | 12.17 | 12.24 | 10.14 | 10.66 |
| Total Unusual Items | - | -18.59 | 0 | -13.18 | -2.74 |
| Total Unusual Items Excluding Goodwill | - | -18.59 | 0 | -13.18 | -2.74 |
| Special Income Charges | - | -18.75 | 0 | -13.18 | -2.74 |
| Restructuring And Mergern Acquisition | - | 18.75 | 0 | 13.18 | 2.74 |
| Gain On Sale Of Security | - | 12.27 | 1.44 | 3.19 | 4.50 |
| Depreciation Amortization Depletion Income Statement | - | 4.22 | 4.82 | 3.55 | 2.41 |
| Depreciation And Amortization In Income Statement | - | 4.22 | 4.82 | 3.55 | 2.41 |
| General And Administrative Expense | - | 139.41 | 139.65 | 160.95 | 177.53 |
| Salaries And Wages | - | 134.36 | 133.23 | 154.99 | 171.82 |
| Insurance And Claims | - | 5.05 | 6.42 | 5.96 | 5.70 |
| Selling And Marketing Expense | - | 2.59 | 2.81 | 3.26 | 2.85 |
| Amortization | - | 4.22 | 4.82 | 3.55 | 2.41 |
| Amortization Of Intangibles Income Statement | - | 4.22 | 4.82 | 3.55 | 2.41 |
| Occupancy And Equipment | - | 31.34 | 33.43 | 36.28 | 38.24 |
| Professional Expense And Contract Services Expense | - | 6.92 | 7.66 | 6.33 | 5.82 |
| Other Non Interest Expense | - | 27.43 | 26.85 | 31.23 | 31.95 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| FirstSun Capital Bancorpthis co. | FSUN | $1.6B | 16.83↑ premium | 1.43 | 8.5% | - |
| Triumph Financial, Inc. | TFIN | $1.7B | 66.83 | 1.89 | 2.8% | - |
| Pathward Financial, Inc. | CASH | $1.7B | 9.01 | 1.94 | 21.6% | - |
| Dime Community Bancshares, Inc. | DCOM | $1.7B | 14.97 | 1.22 | 8.1% | - |
| Republic Bancorp, Inc. | RBCAA |
| - |
| - |
| - |
| - |
| - |
| $1.7B |
| 12.58 |
| 1.50 |
| 11.9% |
| - |
| German American Bancorp, Inc. | GABC | $1.6B | 14.58 | 1.41 | 9.7% | - |
| S&T Bancorp, Inc. | STBA | $1.6B | 12.15 | 1.11 | 9.2% | - |
| TriCo Bancshares | TCBK | $1.6B | 13.41 | 1.23 | 9.2% | - |
| Hope Bancorp, Inc. | HOPE | $1.6B | 26.13 | 0.70 | 2.7% | - |
| Peer Median | - | 13.99 | 1.32 | 9.2% | - | |
Historically, Jul has averaged the highest return (+9.3%); Mar the lowest (-5.5%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.9%Positive MonthJan 2026: +4.90% | -7.6%Negative MonthFeb 2026: -7.62% | -0.0%Neutral MonthMar 2026: -0.03% | -3.0%Negative MonthApr 2026: -3.02% | +0.3%Neutral MonthMay 2026: +0.25% | +9.4%Positive MonthJun 2026: +9.39% | -0.3%Neutral MonthJul 2026: -0.26% | +3.2%*Positive MonthAug 2026: +3.21% | — | — | — | — |
| 2025 | +5.4%Positive MonthJan 2025: +5.37% | -5.7%Negative MonthFeb 2025: -5.73% | -9.1%Negative MonthMar 2025: -9.13% | -3.2%Negative MonthApr 2025: -3.21% | +2.4%Positive MonthMay 2025: +2.40% | -3.0%Negative MonthJun 2025: -3.01% | +2.3%Positive MonthJul 2025: +2.30% | +6.9%Positive MonthAug 2025: +6.92% | +2.1%Positive MonthSep 2025: +2.05% | -12.2%Negative MonthOct 2025: -12.25% | -1.8%Neutral MonthNov 2025: -1.79% | +12.6%Positive MonthDec 2025: +12.58% |
| 2024 | +5.9%Positive MonthJan 2024: +5.88% | -3.3%Negative MonthFeb 2024: -3.33% | +2.7%Positive MonthMar 2024: +2.73% | -2.1%Negative MonthApr 2024: -2.10% | -3.6%Negative MonthMay 2024: -3.57% | +2.8%Positive MonthJun 2024: +2.81% | +20.5%Positive MonthJul 2024: +20.46% | +2.2%Positive MonthAug 2024: +2.25% | -0.3%Neutral MonthSep 2024: -0.33% | -14.1%Negative MonthOct 2024: -14.13% | +5.5%Positive MonthNov 2024: +5.47% | +3.8%Positive MonthDec 2024: +3.81% |
| 2023 | -7.5%Negative MonthJan 2023: -7.54% | -1.6%Neutral MonthFeb 2023: -1.63% | -15.5%Negative MonthMar 2023: -15.54% | -3.0%Negative MonthApr 2023: -3.04% | -4.2%Negative MonthMay 2023: -4.24% | -2.0%Neutral MonthJun 2023: -1.96% | +14.6%Positive MonthJul 2023: +14.55% | +0.9%Neutral MonthAug 2023: +0.86% | -0.8%Neutral MonthSep 2023: -0.85% | +1.7%Neutral MonthOct 2023: +1.71% | +9.4%Positive MonthNov 2023: +9.43% | +4.6%Positive MonthDec 2023: +4.62% |
| 2022 | — | — | — | — | — | — | — | — | +5.1%Positive MonthSep 2022: +5.13% | +5.4%Positive MonthOct 2022: +5.37% | +12.7%Positive MonthNov 2022: +12.65% | -0.1%Neutral MonthDec 2022: -0.14% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 5 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
