FIRSTSUN CAPITAL BANCORP financial statements

Income statement, balance sheet and cash flow statement for the last 7 fiscal years, taken from the XBRL data FIRSTSUN CAPITAL BANCORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	2.78	2.4	3.12	2.59	2.81	3.26	2.85
Interest expense	28.6	20.9	14.1	25.2	120
Pre-tax income	21.9	57.2	51.8	74	131	95.1	123
Income tax	1.44	9.58	8.68	14.8	28	19.5	25
Net income	20.5	47.6	43.2	59.2	104	75.6	97.9
EPS, basic	1.05	2.60	2.36	2.55	4.15	2.76	3.52
EPS, diluted	1.03	2.58	2.30	2.48	4.08	2.69	3.47
Shares, basic (weighted)	19.6	18.3	18.3	23.2	24.9	27.4	27.8
Shares, diluted (weighted)	19.9	18.5	18.8	23.8	25.4	28.1	28.2

Balance sheet

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	145	202	668	344	479	616	653
Property, plant and equipment		56.8	53.1	88.1	84.8	82.5	81.5
Lease right-of-use assets			0	28.4	24.2	22.5	27.3
Goodwill		33.1	33.1	93.5	93.5	93.5	93.5
Intangible assets	9.9	9.67	8.25	15.8	11	7.43	4.98
Total assets	4,185	4,995	5,667	7,430	7,880	8,097	8,485
Total liabilities		4,510	5,143	6,656	7,003	7,056	7,332
Paid-in capital		259	262	461	463	547	550
Retained earnings		255	299	358	458	533	631
Treasury stock	-36.7	-38.1	-38.1	0	0
Other comprehensive income		9.12	1.66	-44	-43	-39.1	-27.4
Shareholders' equity	430	486	524	775	877	1,041	1,153
Total equity	430	486	524	775	877	1,041	1,153
Total liabilities and equity		4,995	5,667	7,430	7,880	8,097	8,485
Shares outstanding		18.3	18.3	24.9	25	27.7	27.9

Cash flow statement

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	20.5	47.6	43.2	59.2	104	75.6	97.9
Depreciation and amortization	5.36	6	7.18	7.95	7.42	7.38	8.25
Stock-based compensation	2.15	2.34	3	1.45	2.13	2.38	3.54
Deferred income tax	1.61	-3.38	3.15	9.2	3.01	3.35	2.76
Cash from operations	3.9	-0.55	113	96.9	125	101	111
Capital expenditures	-6.91	-6.16	-3.46	-2.2	-4.27	-5.41	-7.51
Acquisitions	0	-7.02	0	445	0	0
Purchases of investments	-149	-102	-249	-66.6	-21.6	-9.43	-23.7
Sales and maturities of investments		56.2	0	81	0	0	1.9
Cash from investing	-217	-663	-294	-538	-327	-80.9	-330
Stock issued	1.27	0	-0.46	-0.58	-0.17	82.3	-1.24
Share buybacks	-36.7	-1.56	0	0
Dividends paid	-32	0	0	-8	-26	0	-7.6
Cash from financing	257	721	647	116	338	116	255
Net change in cash	44	57.4	466	-325	136	137	36.7
Free cash flow	-3.01	-6.7	110	94.7	121	95.7	104
Income taxes paid	0.52	8	6.6	6.18	28.5	14.9	15.7

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $39.74 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	20.3%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	2.5%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.3%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	29.5%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	18.3%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	15.5%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	29.0%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	11.8%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	6.1%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	10.2%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	4.8%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y	8.6%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	3.2%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	10.8%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	14.2%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	18.9%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	4.8%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	4.5%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	11.2%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.7%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	5.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	8.9%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	88.3%	Total liabilities / total assets.
Goodwill and intangibles / assets	1.2%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.64B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	2,476.0%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	0.4%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$1.00	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$24.76	Free cash flow / diluted weighted shares.
Operating cash flow per share	$24.87	Cash from operations / diluted weighted shares.
Book value per share	$39.33	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$35.20	Tangible book value / shares outstanding.
Cash per share	$21.18	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$1.85B	Share price x shares outstanding.
Enterprise value	$861.7M	Market cap + total debt - cash - short-term investments.
P/E	39.6x	Market cap / net income. Only when net income is positive.
P/B	1.01x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.13x	Market cap / tangible book value, when positive.
P/FCF	1.60x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	1.59x	Market cap / cash from operations, when positive.
EV/FCF	0.74x	Enterprise value / free cash flow, when both are positive.
FCF yield	62.5%	Free cash flow / market cap.
Earnings yield	2.5%	Net income / market cap (the inverse of P/E).
PEG	3.34x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

Was FIRSTSUN CAPITAL BANCORP profitable in fiscal 2025?

Yes. Net income was $97.9M, a net margin of -.

How much free cash flow did FIRSTSUN CAPITAL BANCORP generate in fiscal 2025?

Cash from operations of $111.5M minus capital expenditures of $7.5M left free cash flow of $104.0M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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