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Firstsun Capital Bancorp (FSUN) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Firstsun Capital Bancorp (FSUN) Q3 2026 earnings results →
Q3 2026 Revenue up 68% year over year to $180M · 21¢ of every $1 of revenue kept as net profit · operating margin 27.1%
Firstsun Capital Bancorp made $180M in Q3 2026 (+68% Y/Y): Net interest income $140M, Noninterest income $39.4M. Operating margin 27.1%, net earnings $38.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $179.7M in Q3 2026, up 67% year over year and down 2% from the previous quarter. Net interest income was the largest line at 78% of revenue. Net interest income added $59.3M year over year (up 73%), 82% of the total change.
Operating profit was $48.7M, a 27.1% margin (up 0.8 points year over year). Of the extra revenue versus a year earlier, 28% reached operating profit, above the 26% margin then. Total costs grew 66% against revenue growth of 67%. The fastest-growing cost line was Noninterest expense (+84%). Net earnings were $38.4M, up 66% year over year. The effective tax rate was 21.2%.
Operating cash flow was $50.9M (up 3% year over year), 133% of net earnings. Non-cash charges added back $2.7M of depreciation and amortization and $2.0M of share-based compensation. Working capital and other items added $7.8M. Capital expenditures of $2.5M left free cash flow of $48.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $180M | +68% | 27.1% | $38.4M | $50.9M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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About Firstsun Capital Bancorp
In this report, unless the context suggests otherwise, references to the “Company” or “FirstSun” refers to FirstSun Capital Bancorp, a Delaware corporation, and references to “we,” “us,” and “our” refer to the combined business of FirstSun Capital Bancorp and its wholly-owned subsidiaries, including Sunflower Bank, National Association (“Sunflower Bank” or the “Bank”), Sunflower Wealth Advisors LLC, and FEIF Capital Partners, LLC. We are a financial holding company headquartered in Denver, Colorado, providing a full spectrum of deposit, lending, treasury management, wealth management and online banking products and services through our two primary operating subsidiaries—Sunflower Bank, a national banking association headquartered in Dallas, Texas, that operates as Sunflower Bank, N.A.
In its own words, from its 10-K, filed Mar 6, 2026.
Firstsun Capital Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +68% against the peers' median +8%. Operating margin: 27.1% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FSUN Firstsun Capital Bancorp | Q3 2026 | $180M | +68% | 27.1% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| UBS UBS Group AG | Q2 2025 | $12.1B | +2% | 18.1% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
Source: Firstsun Capital Bancorp 10-Q on SEC EDGAR · CIK 1709442 · National Commercial Banks
Guidance and outlook
13F: who owns FSUN and who is buying
More on FSUN
History
Every quarter: Q3 2026 results