FSUN FY 2025 Earnings Report — FirstSun Capital Bancorp Revenue & Financial Results | Market Cap Arena

FirstSun Capital BancorpFSUN

FY 2025 Earnings

Reported March 6, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$570M	—	$540M	—	5.5%
Op. Income	$125M	—	$95M	—	31.5%
Gross Margin	69.3%	—	64.8%	—	4.5pp
Net Margin	17.2%	—	14.0%	—	3.2pp
EPS (Diluted)	$3.53	—	$2.69	—	31.2%
Free Cash Flow	$104M	—	$96M	—	8.6%

Revenue Flow

Item	Amount
REVENUE	$570M
Cost of Revenue	$175M
GROSS PROFIT	$395M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$167M
SG&A Expenses	$167M
Other Expenses	$102M
Operating Expenses	$270M
Cost & Expenses	$445M
OPERATING INCOME	$125M
Interest Income	$468M
Interest Expense	$150M
Other Income/Expenses	-$2M
INCOME BEFORE TAX	$123M
Income Tax Expense	$25M
Net Income from Continuing Ops	$98M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$98M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$98M
D&A	$8M
EBIT	$125M
EBITDA	$133M
EPS	$4
EPS Diluted	$4

Income Statement

Item	Amount
REVENUE	$570M
Cost of Revenue	$175M
GROSS PROFIT	$395M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$167M
SG&A Expenses	$167M
Other Expenses	$102M
Operating Expenses	$270M
Cost & Expenses	$445M
OPERATING INCOME	$125M
Interest Income	$468M
Interest Expense	$150M
Other Income/Expenses	-$2M
INCOME BEFORE TAX	$123M
Income Tax Expense	$25M
Net Income from Continuing Ops	$98M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$98M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$98M
D&A	$8M
EBIT	$125M
EBITDA	$133M
EPS	$4
EPS Diluted	$4

Cash Flow Statement

Item	Amount
Net Income	$98M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$3M
Change in Working Capital	$10M
OPERATING CASH FLOW	$111M
Capital Expenditure	-$8M
Acquisitions (Net)	$0
Purchases of Investments	-$33M
Sales/Maturities of Investments	$45M
Other Investing Activities	-$342M
NET CASH FROM INVESTING	-$330M
Net Debt Issuance	$260M
Common Stock Repurchased	$0
Common Dividends Paid	$0
Other Financing Activities	-$4M
NET CASH FROM FINANCING	$255M
FREE CASH FLOW	$104M
Net Change in Cash	$37M

Balance Sheet

Item	Amount
Cash & Equivalents	$653M
Short-Term Investments	$469M
Net Receivables	$34M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$1.2B
PP&E (Net)	$82M
Goodwill	$93M
Intangible Assets	$5M
Long-Term Investments	$6.6B
Tax Assets	$0
Other Non-Current Assets	$562M
TOTAL NON-CURRENT ASSETS	$7.3B
TOTAL ASSETS	$8.5B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$7.1B
TOTAL CURRENT LIABILITIES	$7.1B
Long-Term Debt	$37M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$188M
TOTAL NON-CURRENT LIABILITIES	$224M
TOTAL LIABILITIES	$7.3B
Common Stock	$3.0K
Additional Paid-In Capital	$0
Retained Earnings	$631M
Treasury Stock	$0
Accum. Other Comp. Income	-$27M
Other Equity	$550M
TOTAL STOCKHOLDERS' EQUITY	$1.2B
Minority Interest	$0
TOTAL EQUITY	$1.2B
TOTAL LIABILITIES & EQUITY	$8.5B
Total Debt	$37M
Net Debt	-$616M