Lumida
/FSUN
⌘K
Firstsun Capital Bancorp

Firstsun Capital Bancorp

FSUN
$35.43USD↓-2.90%-1.06 today

MARKET CAP

1.6B

P/E (TTM)

10.0x

FWD P/E

7.9x

DAY RANGE

$35 – $36

52W RANGE

$30
$42

AI Summary

Stalk
StalkMedium

The asset remains in a Stage 2 advances within a long-term uptrend but is experiencing a short-term corrective downtrend, pushing price below the EMAs into an oversold support zone. Medium-term higher-high/higher-low structure is intact and OS conditions suggest a mean-reversion opportunity. Execution should be deferred to allow pullback absorption and acceptance back above EMAs near the prior swing low.

  • ↑Adjusted net income $23.7 M; EPS $0.84
  • ↑Loan balances increased $267 M (16% annualized)
  • ↓Charge-offs rose to $10.5 M; provision expense $8.3 M
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

FirstSun Capital Bancorp (NASDAQ: FSUN) is a community bank operating primarily in Southern California and Southwest Florida, focusing on commercial and industrial loans, as well as wealth management services. The company emphasizes a relationship-driven banking model, leveraging strategic acquisitions to enhance its service offerings and market presence, most recently integrating First Foundation into its operations. This positions FSUN well within the evolving landscape of community banking, where personalized service and local presence are essential competitive advantages.

Bull says

  • ↑Adjusted net income $23.7 M; EPS $0.84
  • ↑Loan balances increased $267 M (16% annualized)
  • ↑NIM steady at 4.25% for 14 consecutive quarters
  • ↑Integration of First Foundation to unlock synergies
  • ↑Non-interest income 24.7% of revenue diversifies fees
  • ↑CET1 ratio 10.7%–11% supports potential buybacks

Bear says

  • ↓Charge-offs rose to $10.5 M; provision expense $8.3 M
  • ↓Allowance for credit losses at 1.20% may require higher reserves
  • ↓Analyst downgrades reflected in negative revisions sentiment
  • ↓High leverage score flags potential refinancing and liquidity strain
  • ↓Rising deposit costs threaten to erode net interest margins
  • ↓Concentration in CA/FL markets increases economic vulnerability

Investment themes with FSUN

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-28-2026neutral

Transcript signals

Bull points

  • we achieved healthy loan growth of over 16% annualized, primarily in the C&I portfolio as we continue to see success across the high growth markets in our footprint.
  • New loan fundings totaled $528 million in the first quarter, up 47% from the fourth quarter and 32% from the first quarter of last year, indicating strong momentum moving forward.
  • we're quite pleased with the first quarter net interest margin, which ended at a strong 4.25%, up 7 bps from the fourth quarter, and has remained above 4% for 14 consecutive quarters.

Bear points

  • our overall deposit balances were down slightly, primarily due to general seasonality pressure within a few segments in our deposit customer base, and a specific decline in broker deposits by approximately $60 million.
  • there is scheduled repricing in that multifamily portfolio here, not only in 26, but also in 27 at somewhat elevated levels. So, you know, that's a, if you will, a bit of a headwind relative to from a growth perspective.
  • I think there's roughly another 400 million in repricing scheduled.
Read full transcript analysis ›