Firstsun Capital Bancorp
FSUNFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET
Price
FSUN against its 20, 50 and 200-day averages6.8% under the 52-week high of 42.34 on 4 Feb 2026. 52-week low 29.95 on 18 Nov 2025. Last 15 sessions, 9.2% high to low
Volume 0.61× normal · the line is the 50-bar volume average
Profile
FSUNFirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.
| Index | RUT |
|---|---|
| Employees | 1186 |
| IPO | Aug 03, 2022 |
| Beta | 0.20 |
| ATR, 14d | 0.99 |
| Rel volume | 0.61 |
| Short float | 7.75% |
| Insider own | 36.50% |
| Inst own | 51.38% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 1.80B |
| Enterprise Value | - |
| Income | 61.92M |
| Sales | 828.87M |
| Book/sh | 42.32 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 1186 |
| IPO | Aug 03, 2022 |
Ratios
| P/E | 20.04 |
|---|---|
| Forward P/E | 8.82 |
| PEG | 0.86 |
| P/S | 2.17 |
| P/B | 0.93 |
| P/C | - |
| P/FCF | 1.55 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.08 |
| Debt/Eq | 0.15 |
| LT Debt/Eq | 0.14 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.97 |
|---|---|
| EPS next Y | 4.47 |
| EPS next Q | 1.08 |
| EPS this Y | -4.63% |
| EPS next Y | 31.81% |
| EPS next 5Y | 10.30% |
| EPS past 3/5Y | 11.77% 6.12% |
| Sales past 3/5Y | 16.77% 13.08% |
| EPS Y/Y TTM | -37.79% |
| Sales Y/Y TTM | 45.20% |
| EPS Q/Q | -0.02% |
| Sales Q/Q | 72.88% |
| Earnings | Oct 26 AMC |
| EPS/Sales Surpr. | 6.19% -0.75% |
Ownership
| Insider Own | 36.50% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 51.38% |
| Inst Trans | 60.25% |
| ROA | 0.52% |
| ROE | 4.22% |
| ROIC | 3.00% |
| Gross Margin | - |
| Oper. Margin | 18.74% |
| Profit Margin | 7.47% |
| SMA20 | 0.59% |
| SMA50 | 0.40% |
| SMA200 | 4.16% |
| Trades | - |
Technical
| Shs Outstand | 42.78M |
|---|---|
| Shs Float | 28.92M |
| Short Float | 7.75% |
| Short Ratio | 6.42 |
| Short Interest | 2.24M |
| 52W High | 42.34 -6.75% |
| 52W Low | 29.95 31.82% |
| Volatility | 3.27% 2.51% |
| ATR (14) | 0.99 |
| RSI (14) | 51.30 |
| Beta | 0.20 |
| Rel Volume | 0.61 |
| Avg Volume | 349.41K |
| Volume | 212,316 |
Performance
| Perf Week | -3.05% |
|---|---|
| Perf Month | 2.97% |
| Perf Quarter | -3.42% |
| Perf Half Y | 12.19% |
| Perf YTD | 4.90% |
| Perf Year | 21.70% |
| Perf 3Y | 30.30% |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 1.00 |
| Target Price | 46.00 |
| Prev Close | 39.48 |
| Price | 39.48 |
| Change % | 0.00% |
Analyst ratings
latest 6 of 6| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jul 01, 2026 | Upgrade | RRaymond James | Outperform → Strong Buy | $47 | +19.0% |
| May 06, 2025 | Initiated | SStephens | Overweight | $44 | +11.4% |
| Feb 21, 2025 | Initiated | PPiper Sandler | Overweight | $51 | +29.2% |
| Jan 21, 2025 | Initiated | KKeefe Bruyette | Outperform | $46 | +16.5% |
| Nov 19, 2024 | Upgrade | RRaymond James | Mkt Perform → Outperform | $42 | +6.4% |
| Aug 29, 2024 | Initiated | RRaymond James | Mkt Perform |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| NBHC | National Bank Holdings Corp | 1.64B |
| EQBK | Equity Bancshares Inc | 1.01B |
| EFSC | Enterprise Financial Services Corp | 2.23B |
| FIBK | First Interstate BancSystem Inc | 3.50B |
| OBK | Origin Bancorp Inc | 1.64B |
| BANC | Banc of California Inc | 2.84B |
| SBSI | Southside Bancshares Inc | 1.04B |
| TCBX | Third Coast Bancshares Inc | 666.41M |
| CVBF | CVB Financial Corp | 3.95B |
| GBCI | Glacier Bancorp Inc | 6.31B |
Insider trading
2 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| ELVING BEVERLY O | Director | Aug 13 '26 | Option Exercise | 19.72 | 7,553 | 148,945 | 13,439 | Aug 14 11:53 AM |
| MURPHY PETER E | Director | Mar 16 '26 | Buy | 35.28 | 1,500 | 52,917 | 1,500 | Mar 18 11:16 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| KRE | State Street SPDR S&P Regional Banking ETF | AUM: 4.43B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| SCHA | Schwab U.S. Small-Cap ETF | AUM: 22.25B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
News
latest 14 of 174- FirstSun's Clean Post-Merger Quarter Beats On Margin, But A Shrinking Balance Sheet Tempers The Story (Earnings Whispers)
- FirstSun Capital Bancorp Reports Third Quarter 2026 Results (Business Wire)
- FirstSun Capital Bancorp to Announce Third Quarter 2026 Results on Monday, October 26, 2026 (Business Wire)
- Firstsun Capital Bancorp (FSUN) Q2 2026 Earnings Call Highlights: Navigating Challenges with ... (GuruFocus.com) +13.01%
- FirstSun Capital Bancorp Reports Second Quarter 2026 Results and Board of Directors Authorizes $150 Million Share Repurchase Program (Business Wire)
- Firstsun Capital Bancorp (FSUN) Q2 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
- Earnings To Watch: Firstsun Capital Bancorp (FSUN) Reports Q2 2026 Result (GuruFocus.com)
- FirstSun joins list of banks hit by borrower fraud (American Banker) -7.51%
- FirstSun Capital Bancorp to Announce Second Quarter 2026 Results on Monday, July 27, 2026 (Business Wire)
- Sunflower Bank Closes Sale of Approximately $890 Million of Multifamily Commercial Real Estate Loans to Brookfield (Business Wire)
- Sunflower Bank Hires David Musicant for New Role of Regional President in Southern California (Business Wire)
- Firstsun Capital Bancorp (FSUN) Q1 2026 Earnings Call Highlights: Strong Loan Growth and ... (GuruFocus.com)
- FirstSun's charge-offs rise in uneven first quarter (American Banker)
- FirstSun Capital Bancorp Reports First Quarter 2026 Results (Business Wire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-26 | 1.030 | 0.970 | 0.820 | 179.68 | 181.03 | 4 |
| 2026Q2 | 2026-07-27 | 0.450 | 0.363 | -0.489 | 184.14 | 182.85 | 4 |
| 2026Q1 | 2026-04-27 | 0.840 | 0.868 | 0.762 | 109.95 | 108.8 | 4 |
| 2025Q4 | 2026-01-26 | 0.950 | 0.848 | 0.878 | 110.21 | 107.61 | 4 |
| 2025Q3 | 2025-10-27 | 0.820 | 0.888 | 0.819 | 109.24 | 106.73 | 4 |
| 2025Q2 | 2025-07-28 | 0.930 | 0.885 | 0.935 | 111.46 | 103.34 | 4 |
| 2025Q1 | 2025-04-28 | 0.830 | 0.797 | 0.833 | 96.21 | 99.46 | 3 |
| 2024Q4 | 2025-01-27 | 0.860 | 0.825 | 0.578 | 98.68 | 98.67 | 2 |
| 2024Q3 | 2024-10-28 | 0.840 | 0.850 | 0.795 | 98.23 | 97.20 | 1 |
| 2024Q2 | 2024-08-28 | 0.900 | 0.900 | 0.876 | 97.30 | 97.30 | 1 |
| 2024Q1 | 2024-04-30 | 0.530 | - | 0.445 | 93.61 | - | - |
| 2023Q4 | 2024-01-26 | 0.940 | - | 0.943 | 89.29 | - | - |
| 2023Q3 | 2023-10-27 | 1.000 | - | 0.995 | 92.06 | - | - |
| 2023Q2 | 2023-07-27 | 1.110 | - | 1.111 | 98.13 | - | - |
| 2023Q1 | 2023-05-01 | 1.030 | - | 1.031 | 93.05 | - | - |
| 2022Q4 | 2023-01-26 | 0.960 | - | 0.963 | 91.89 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2024FY | 3.130 | 3.090 | 2.695 | 386.7 | 390.3 |
| 2025FY | 3.560 | 3.433 | 3.470 | 419.27 | 420.29 |
| 2026FY | - | 3.395 | - | - | 659.2 |
| 2027FY | - | 4.475 | - | - | 741.6 |
| 2028FY | - | 4.778 | - | - | 768.95 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-11-03 | 4 | 0 | 4 | 180.12 | 178.7 | 181.9 |
| 2026Q4 | S | 2026-10-27 | 4 | 0 | 3 | 180.78 | 178.7 | 182.1 |
| 2026Q4 | S | 2026-10-26 | 4 | 0 | 0 | 184.38 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-10-17 | 4 | 0 | 0 | 184.38 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-10-14 | 4 | 0 | 1 | 184.38 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-10-11 | 4 | 0 | 2 | 184.38 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-09-21 | 4 | 0 | 4 | 184.38 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-08-03 | 4 | 0 | 4 | 184.66 | 182.1 | 186.9 |
| 2026Q4 | S | 2026-07-31 | 4 | 0 | 3 | 186.88 | 184.75 | 190.96 |
| 2026Q4 | S | 2026-07-28 | 4 | 0 | 2 | 189.3 | 184.75 | 194.6 |
| 2026Q4 | S | 2026-07-12 | 4 | 0 | 1 | 193.03 | 189.15 | 197.4 |
| 2026Q4 | S | 2026-07-08 | 4 | 0 | 3 | 193.03 | 189.15 | 197.4 |
| 2026Q4 | S | 2026-07-02 | 4 | 0 | 3 | 193.22 | 189.22 | 198.1 |
| 2026Q4 | S | 2026-06-24 | 4 | 0 | 2 | 193.92 | 190.96 | 198.1 |
Estimate history
| EPS, annual | 1.032 | 2.576 | 2.3 | 2.483 | 4.078 | 2.695 | 3.467 | 1.9697 | |
|---|---|---|---|---|---|---|---|---|---|
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| EPS, quarterly | 0.795 | 0.578 | 0.833 | 0.935 | 0.819 | 0.878 | 0.762 | -0.489 | 0.819 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 232.758 | 313.704 | 305.298 | 364.315 | 499.455 | 557.753 | 580.079 | 828.87 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| Sales, quarterly | 143.856 | 139.898 | 134.771 | 146.378 | 149.811 | 149.119 | 146.58 | 274.174 | 258.994 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 18.381 | 18.322 | 18.346 | 24.921 | 24.961 | 27.71 | 27.887 | 42.784 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | |
| Shares, quarterly | 27.666 | 27.71 | 27.754 | 27.835 | 27.855 | 27.887 | 27.936 | 44.132 | 42.784 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 682.08 | 467.77 | 459.54 | 413.68 | 266.82 | 169.35 | 156.84 | 155.84 |
| Total Interest Expense | 232.34 | 150.38 | 162.63 | 120.25 | 25.18 | 14.12 | 20.88 | 28.62 |
| Net Interest Income | 449.74 | 317.39 | 296.91 | 293.43 | 241.63 | 155.23 | 135.95 | 127.22 |
| Loan Loss Provision | 59.25 | 24.60 | 27.55 | 18.25 | 18.05 | 3.00 | 23.10 | 6.05 |
| Net Interest Income After Loan Loss Provision | 390.49 | 292.79 | 269.36 | 275.18 | 223.58 | 152.23 | 112.85 | 121.17 |
| Non-Interest Income | 146.79 | 112.31 | 98.21 | 85.77 | 97.50 | 135.94 | 156.87 | 76.92 |
| Non-Interest Expense | 381.96 | 279.46 | 259.28 | 229.47 | 228.31 | 233.25 | 212.56 | 176.15 |
| Operating Income | 155.32 | 125.64 | 108.29 | 131.48 | 92.77 | 54.93 | 57.16 | 21.94 |
| Unusual Expense | 76.23 | 2.74 | 13.18 | 0.00 | 18.75 | 3.08 | 0.00 | 0.00 |
| Net Income Before Taxes | 79.09 | 122.90 | 95.11 | 131.48 | 74.02 | 51.84 | 57.16 | 21.94 |
| Income Taxes | 17.17 | 24.96 | 19.48 | 27.95 | 14.84 | 8.68 | 9.58 | 1.44 |
| Consolidated Net Income | 61.92 | 97.94 | 75.63 | 103.53 | 59.18 | 43.16 | 47.59 | 20.50 |
| Net Income From Continuing Operations | 61.92 | 97.94 | 75.63 | 103.53 | 59.18 | 43.16 | 47.59 | 20.50 |
| Net Income | 61.92 | 97.94 | 75.63 | 103.53 | 59.18 | 43.16 | 47.59 | 20.50 |
| EPS (Recurring) | 2.46 | 3.53 | 3.02 | 4.08 | 3.03 | 2.41 | 2.58 | 1.03 |
| EPS (Basic, Before Extraordinaries) | 2.01 | 3.52 | 2.76 | 4.15 | 2.55 | 2.36 | 2.60 | 1.05 |
| EPS (Diluted) | 1.97 | 3.47 | 2.69 | 4.08 | 2.48 | 2.30 | 2.58 | 1.03 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 4.91 | 2.79 | 1.51 | 1.39 | 1.14 | 1.26 | 1.70 | 1.54 |
| Price To Earnings Ratio | 20.04 | 20.04 | 13.09 | 8.29 | 18.88 | 18.88 | - | - |
| Price To Sales Ratio | 2.18 | 1.83 | 2.02 | 1.72 | 2.39 | - | - | - |
| Operating Margin | 18.74 | 21.66 | 19.42 | 26.33 | 25.47 | 17.99 | 18.22 | 9.43 |
| Net Margin | 7.47 | 16.88 | 13.56 | 20.73 | 16.24 | 14.14 | 15.17 | 8.81 |
| Shares Outstanding | 42.78 | 27.89 | 27.71 | 24.96 | 24.92 | 18.35 | 18.32 | 18.38 |
| Market Capitalization | 1,798.42 | 1,798.42 | 1,108.06 | 848.05 | 907.82 | 907.82 | - | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 216.66 | 230.02 | 116.13 | 119.27 | 121.13 | 116.92 | 110.45 | 116.04 |
| Total Interest Expense | 76.36 | 86.82 | 33.35 | 35.81 | 40.17 | 38.42 | 35.97 | 38.99 |
| Net Interest Income | 140.30 | 143.19 | 82.78 | 83.46 | 80.95 | 78.50 | 74.48 | 77.05 |
| Loan Loss Provision | 4.40 | 40.40 | 8.25 | 6.20 | 10.10 | 4.50 | 3.80 | 4.85 |
| Net Interest Income After Loan Loss Provision | 135.90 | 102.80 | 74.53 | 77.26 | 70.85 | 74.00 | 70.68 | 72.20 |
| Non-Interest Income | 42.33 | 44.16 | 30.45 | 29.85 | 28.68 | 29.46 | 24.32 | 23.86 |
| Non-Interest Expense | 116.26 | 117.36 | 75.94 | 72.40 | 71.25 | 70.49 | 65.32 | 67.89 |
| Operating Income | 61.98 | 29.59 | 29.04 | 34.71 | 28.29 | 32.96 | 29.68 | 28.17 |
| Unusual Expense | 13.25 | 57.56 | 2.68 | 2.74 | 0.00 | 0.00 | 0.00 | 8.01 |
| Net Income Before Taxes | 48.73 | -27.97 | 26.36 | 31.96 | 28.29 | 32.96 | 29.68 | 20.16 |
| Income Taxes | 10.35 | -5.12 | 4.78 | 7.16 | 5.11 | 6.58 | 6.12 | 3.81 |
| Consolidated Net Income | 38.38 | -22.85 | 21.58 | 24.81 | 23.17 | 26.39 | 23.57 | 16.35 |
| Net Income From Continuing Operations | 38.38 | -22.85 | 21.58 | 24.81 | 23.17 | 26.39 | 23.57 | 16.35 |
| Net Income | 38.38 | -22.85 | 21.58 | 24.81 | 23.17 | 26.39 | 23.57 | 16.35 |
| EPS (Recurring) | 1.02 | 0.37 | 0.83 | 0.95 | 0.82 | 0.93 | 0.83 | 0.78 |
| EPS (Basic, Before Extraordinaries) | 0.83 | -0.49 | 0.77 | 0.89 | 0.83 | 0.95 | 0.85 | 0.59 |
| EPS (Diluted) | 0.82 | -0.49 | 0.76 | 0.88 | 0.82 | 0.93 | 0.83 | 0.58 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.54 | 1.90 | 0.99 | 0.47 | 0.98 | 0.83 | 0.13 | 0.08 |
| Price To Earnings Ratio | 20.04 | 11.43 | 10.52 | 11.89 | 12.35 | 11.28 | 13.42 | 13.09 |
| Price To Sales Ratio | 2.18 | 2.52 | 1.74 | 1.83 | 1.92 | 1.74 | 1.83 | 2.03 |
| Operating Margin | 23.93 | 10.79 | 19.81 | 23.27 | 18.88 | 22.52 | 22.03 | 20.14 |
| Net Margin | 14.82 | -8.33 | 14.72 | 16.64 | 15.47 | 18.03 | 17.49 | 11.69 |
| Shares Outstanding | 42.78 | 44.13 | 27.94 | 27.89 | 27.85 | 27.83 | 27.75 | 27.71 |
| Market Capitalization | 1,798.42 | 1,711.12 | 1,018.08 | 1,049.26 | 1,079.72 | 967.21 | 1,003.30 | 1,108.06 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 652.59 | 615.92 | 479.36 | 343.53 | 668.46 | 201.98 | 144.53 |
| Investments | 710.07 | 656.37 | 685.47 | 726.06 | 723.03 | 737.61 | 723.63 |
| Net Loans | 6,588.16 | 6,288.14 | 6,186.70 | 5,845.91 | 3,989.58 | 3,798.59 | 3,060.16 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 11.51 | 5.14 | 4.10 | 6.36 | 5.49 | 3.35 | 7.07 |
| Net Property, Plant & Equipment | 108.78 | 104.96 | 109.07 | 115.48 | 53.15 | 56.76 | 60.75 |
| Interest Receivables | 32.26 | 32.10 | 37.10 | 28.54 | 14.76 | 15.42 | 12.55 |
| Deferred Tax Assets | 60.04 | 66.83 | 70.64 | 72.58 | 39.77 | 41.01 | 35.81 |
| Other Intangible Assets | 346.91 | 353.57 | 331.66 | 316.09 | 189.32 | 157.99 | 154.00 |
| Total Assets | 8,510.33 | 8,123.02 | 7,904.11 | 7,454.55 | 5,683.55 | 5,012.71 | 4,198.52 |
| Total Deposits | 7,107.36 | 6,672.26 | 6,374.10 | 5,765.06 | 4,854.95 | 4,153.55 | 3,489.95 |
| Total Debt | 76.89 | 249.92 | 515.90 | 792.11 | 201.55 | 254.15 | 194.51 |
| Long Term Debt | 57.73 | 92.88 | 94.60 | 98.63 | 99.46 | 118.64 | 120.40 |
| Provision for Risks Charges | 1.21 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 25.16 | 25.64 | 24.39 | 24.23 | 16.74 | 17.25 | 13.07 |
| Other Liabilities | 146.35 | 133.84 | 112.52 | 98.62 | 86.28 | 101.98 | 70.78 |
| Total Liabilities | 7,356.97 | 7,081.66 | 7,026.91 | 6,680.01 | 5,159.52 | 4,526.92 | 3,768.31 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,153.36 | 1,041.37 | 877.20 | 774.54 | 524.04 | 485.79 | 430.20 |
| Total Shareholders Equity | 1,153.36 | 1,041.37 | 877.20 | 774.54 | 524.04 | 485.79 | 430.20 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,153.36 | 1,041.37 | 877.20 | 774.54 | 524.04 | 485.79 | 430.20 |
| Total Liabilities & Stockholders Equity | 8,510.33 | 8,123.02 | 7,904.11 | 7,454.55 | 5,683.55 | 5,012.71 | 4,198.52 |
| Book Value Per Share | 41.36 | 37.58 | 35.14 | 31.08 | 28.56 | 26.51 | 23.41 |
| Tangible Book Value Per Share | 37.83 | 33.94 | 30.96 | 26.65 | 26.24 | 24.10 | 20.98 |
| Tier 1 Capital | 1,065.78 | 964.52 | 798.17 | 687.60 | - | - | - |
| Tier 2 Capital | 121.95 | 163.82 | 155.16 | 142.11 | - | - | - |
| Full-Time Employees | 1,186 | 1,142 | 1,128 | 1,171 | 1,063 | - | - |
| Price to Book Ratio | 0.93 | 1.07 | 1.01 | 1.21 | 1.21 | - | - |
| Return on Assets | 1.18 | 0.94 | 1.35 | 0.90 | 0.81 | 1.03 | - |
| Return on Equity | 8.92 | 7.88 | 12.54 | 9.11 | 8.55 | 10.39 | - |
| Return on Invested Capital | 8.09 | 6.67 | 10.65 | 6.78 | 6.92 | 7.87 | 3.72 |
| Current Ratio | 0.10 | 0.17 | 0.12 | 0.11 | 0.33 | 0.13 | 0.18 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 1,169.66 | 101.25 | 113.62 | 135.53 | 76.70 | 7.52 | 36.42 | 27.25 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -6.12 | 10.23 | 0.21 | -7.71 | -26.82 | -21.98 | 11.32 | 18.25 |
| Cash from Operating Activities | 1,163.54 | 111.48 | 113.83 | 127.83 | 49.88 | -14.46 | 47.74 | 45.51 |
| Capital Expenditures | -5.96 | -7.51 | -5.41 | -4.27 | -2.20 | -3.46 | -6.16 | -6.91 |
| Net Assets From Acquisitions | 1,726.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -7.02 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.04 | 0.04 | 0.00 | 0.00 | 444.54 | 0.01 | 2.94 | 1.76 |
| Purchase or Sale of Investments | 1,482.67 | 10.50 | 43.34 | 26.06 | 107.77 | -101.08 | 114.90 | 65.44 |
| Purchase of Investments | -33.57 | -32.87 | -21.19 | -24.23 | -67.88 | -249.42 | -101.97 | -149.50 |
| Sale Or Maturity of Investments | 1,516.24 | 43.37 | 64.53 | 50.30 | 175.65 | 148.34 | 216.87 | 214.95 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.72 | 0.00 | 0.00 | 0.00 | 0.00 | 1.34 |
| Cash from Investing Activities | 3,347.27 | -330.20 | -93.58 | -329.93 | -491.09 | -166.35 | -711.20 | -258.76 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -51.75 | -1.24 | 82.27 | -0.17 | -0.58 | -0.46 | -1.59 | -35.08 |
| Repurchase of Common Pref Stock | -49.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1.59 | -36.35 |
| Sale of Common Pref Stock | -2.01 | -1.24 | 82.27 | -0.17 | -0.58 | -0.46 | 0.00 | 1.27 |
| Proceedsfrom Stock Options | -2.01 | -1.24 | 82.27 | -0.17 | -0.58 | -0.46 | 0.00 | 1.27 |
| Issuance or Reduction of Debt, Net | -4,389.81 | 256.63 | 34.03 | 338.11 | 116.85 | 647.75 | 722.50 | 292.29 |
| Change in Long Term Debt | -4,381.22 | 260.17 | 44.03 | 350.13 | 172.22 | 671.03 | 675.24 | 306.96 |
| Issuance of Long Term Debt | 230.26 | 728.17 | 5,758.91 | 2,651.47 | 785.35 | 701.44 | 1,861.82 | 1,345.68 |
| Reduction of Long Term Debt | -4,611.48 | -468.00 | -5,714.88 | -2,301.34 | -613.13 | -30.41 | -1,186.58 | -1,038.71 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -4,441.56 | 255.39 | 116.31 | 337.94 | 116.27 | 647.30 | 720.90 | 257.21 |
| Net Change in Cash | 69.26 | 36.67 | 136.56 | 135.84 | -324.94 | 466.48 | 57.45 | 43.96 |
| Free Cash Flow | 1,157.58 | 103.97 | 108.42 | 123.56 | 47.69 | -17.92 | 41.59 | 38.60 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 1.56 | 10.23 | 10.37 | 6.97 | 18.22 | - | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | 4.73 | 9.94 | 13.70 | -23.94 | 7.34 | -2.27 | 1.76 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 729.16 | 989.51 | 413.73 | 652.59 | 659.90 | 785.12 |
| Investments | 2,081.58 | 2,156.99 | 685.49 | 710.07 | 643.70 | 652.05 |
| Net Loans | 11,283.25 | 11,394.89 | 6,857.02 | 6,588.16 | 6,597.59 | 6,424.07 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 160.71 | 163.55 | 108.18 | 108.78 | 104.71 | 106.17 |
| Interest Receivables | 58.42 | 60.16 | 33.09 | 32.26 | 34.80 | 33.90 |
| Deferred Tax Assets | 258.10 | 255.57 | 35.04 | 60.04 | 35.99 | 40.50 |
| Other Intangible Assets | 685.16 | 680.50 | 421.67 | 346.91 | 405.34 | 381.00 |
| Total Assets | 15,276.89 | 15,717.99 | 8,565.12 | 8,510.33 | 8,495.44 | 8,435.86 |
| Total Deposits | 12,970.96 | 13,418.00 | 7,087.51 | 7,107.36 | 7,105.41 | 7,100.16 |
| Total Debt | 274.99 | 275.90 | 148.40 | 76.89 | 110.55 | 113.09 |
| Long Term Debt | 251.38 | 250.35 | 59.12 | 57.73 | 98.20 | 94.63 |
| Provision for Risks Charges | 1.13 | 0.00 | 0.00 | 1.21 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 25.16 | - | - |
| Other Liabilities | 219.29 | 186.69 | 153.70 | 146.35 | 151.96 | 127.21 |
| Total Liabilities | 13,466.38 | 13,880.59 | 7,389.62 | 7,356.97 | 7,367.92 | 7,340.46 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,810.51 | 1,837.39 | 1,175.51 | 1,153.36 | 1,127.51 | 1,095.40 |
| Total Shareholders Equity | 1,810.51 | 1,837.39 | 1,175.51 | 1,153.36 | 1,127.51 | 1,095.40 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,810.51 | 1,837.39 | 1,175.51 | 1,153.36 | 1,127.51 | 1,095.40 |
| Total Liabilities & Stockholders Equity | 15,276.89 | 15,717.99 | 8,565.12 | 8,510.33 | 8,495.44 | 8,435.86 |
| Book Value Per Share | 42.32 | 41.63 | 42.08 | 41.36 | 40.48 | 39.35 |
| Tangible Book Value Per Share | 37.91 | 37.26 | 38.57 | 37.83 | 36.92 | 35.77 |
| Tier 1 Capital | - | 1,585.66 | 1,089.87 | 1,065.78 | 1,040.03 | 1,015.39 |
| Tier 2 Capital | - | 289.28 | 120.67 | 121.95 | 152.35 | 159.12 |
| Full-Time Employees | 1,587 | 1,630 | 1,210 | 1,186 | 1,179 | 1,168 |
| Price to Book Ratio | 0.93 | 0.92 | 0.88 | 0.93 | 0.99 | 0.90 |
| Return on Assets | 0.52 | 0.39 | 1.14 | 1.18 | 1.08 | 1.08 |
| Return on Equity | 4.22 | 3.19 | 8.55 | 8.92 | 8.28 | 8.48 |
| Return on Invested Capital | 1.86 | -1.09 | 1.75 | 2.05 | 1.89 | 2.22 |
| Current Ratio | 0.08 | 0.10 | 0.11 | 0.10 | 0.20 | 0.22 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 39.87 | 1,123.99 | -8.89 | 14.69 | 44.83 | 12.02 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 11.02 | -19.72 | -3.48 | 6.06 | 4.54 | 2.99 |
| Cash from Operating Activities | 50.89 | 1,104.27 | -12.37 | 20.75 | 49.37 | 15.01 |
| Capital Expenditures | -2.54 | 0.09 | -1.75 | -1.76 | -1.75 | -1.99 |
| Net Assets From Acquisitions | 1,726.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | -1,726.01 | 1,726.01 | 0.00 | 0.04 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 58.24 | 1,410.45 | 6.49 | 7.50 | 8.89 | 2.60 |
| Purchase of Investments | 11.50 | -22.47 | -17.91 | -4.69 | -0.59 | -5.39 |
| Sale Or Maturity of Investments | 46.74 | 1,432.92 | 24.40 | 12.19 | 9.48 | 8.00 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | 183.38 | 3,433.31 | -278.00 | 8.58 | -178.26 | -44.28 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -50.49 | -1.16 | -0.16 | 0.06 | -0.24 | -0.59 |
| Repurchase of Common Pref Stock | -49.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | -0.75 | -1.16 | -0.16 | 0.06 | -0.24 | -0.59 |
| Proceedsfrom Stock Options | -0.75 | -1.16 | -0.16 | 0.06 | -0.24 | -0.59 |
| Issuance or Reduction of Debt, Net | -444.13 | -3,960.65 | 51.67 | -36.70 | 3.91 | 193.60 |
| Change in Long Term Debt | -445.34 | -3,953.00 | 55.16 | -38.03 | 5.26 | 190.94 |
| Issuance of Long Term Debt | 0.00 | 153.30 | 75.00 | 1.97 | 5.26 | 225.94 |
| Reduction of Long Term Debt | -445.34 | -4,106.29 | -19.84 | -40.00 | 0.00 | -35.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -494.62 | -3,961.80 | 51.51 | -36.63 | 3.67 | 193.01 |
| Net Change in Cash | -260.35 | 575.78 | -238.86 | -7.31 | -125.22 | 163.74 |
| Free Cash Flow | 48.35 | 1,104.36 | -14.12 | 18.99 | 47.62 | 13.02 |
| Price to Free Cash Flow | 1.56 | 1.57 | 15.76 | 10.23 | 13.61 | 11.21 |
Revenue breakdown
| United States | 2024: 386.70M 2025: 419.27M |
|---|---|
| Banking | 2024: 331.61M 2025: 349.33M |
| Consolidation, Policy | 2024: -4.92M 2025: -4.49M |
| Mortgage Operations | 2024: 60.01M 2025: 74.43M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 7.75% | 2.2M | 28.9M | 325.21K |
| 2026-10-15 | 8.60% | 2.4M | 27.9M | 314.78K |
| 2026-09-30 | 7.38% | 2.1M | 27.9M | 317.93K |
| 2026-09-15 | 4.68% | 1.3M | 27.9M | 312.58K |
| 2026-08-31 | 4.18% | 1.2M | 28.9M | 288.59K |
| 2026-08-14 | 4.08% | 1.2M | 28.9M | 278.74K |
| 2026-07-31 | 3.80% | 1.4M | 38.0M | 258.90K |
| 2026-07-15 | 3.91% | 1.4M | 35.8M | 259.99K |
| 2026-06-30 | 3.33% | 1.2M | 35.8M | 272.92K |
| 2026-06-15 | 3.12% | 1.1M | 35.8M | 223.58K |
| 2026-05-29 | 2.98% | 1.1M | 35.8M | 220.49K |
| 2026-05-15 | 3.28% | 1.2M | 35.8M | 218.28K |
| 2026-04-30 | 5.51% | 1.2M | 21.8M | 221.34K |
| 2026-04-15 | 6.44% | 1.3M | 20.2M | 203.16K |
| 2026-03-31 | 8.79% | 1.8M | 20.5M | 166.13K |
| 2026-03-13 | 13.43% | 1.6M | 12.3M | 146.27K |
| 2026-02-27 | 12.11% | 1.5M | 12.2M | 148.06K |
| 2026-02-13 | 10.60% | 1.3M | 12.2M | 148.98K |
| 2026-01-30 | 9.18% | 1.1M | 12.2M | 148.98K |
| 2026-01-15 | 8.34% | 1.0M | 12.2M | 153.77K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-09 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-27 | SCHEDULE 13G | SEC | ||
| 2026-10-26 | 8-K | Current report | 2026-10-26 | SEC |
| 2026-08-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-13 | SEC |
| 2026-08-13 | SCHEDULE 13G/A | SEC | ||
| 2026-08-13 | SCHEDULE 13G/A | SEC | ||
| 2026-08-13 | SCHEDULE 13G/A | SEC | ||
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-07-27 | 8-K | Current report | 2026-07-27 | SEC |
| 2026-07-09 | 8-K | Current report | 2026-07-09 | SEC |
| 2026-07-01 | 8-K | Current report | 2026-07-01 | SEC |
| 2026-06-25 | 8-K | Current report | 2026-06-25 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-05 | 8-K | Current report | 2026-06-05 | SEC |
| 2026-05-22 | 8-K/A | 2026-04-01 | SEC | |
| 2026-05-15 | SCHEDULE 13G/A | SEC | ||
| 2026-05-12 | SCHEDULE 13G/A | SEC | ||
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 52.92K | 1 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | 9.29% |
| Fortress Investment Group LLC | 4.98% |
| CANYON CAPITAL ADVISORS LLC | 4.38% |
| BlackRock, Inc. | 4.29% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.99% |
| STRATEGIC VALUE BANK PARTNERS LLC | 2.62% |
| STATE STREET CORP | 2.15% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.99% |
| DIMENSIONAL FUND ADVISORS LP | 1.88% |
| AMERIPRISE FINANCIAL INC | 1.41% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.24% |
| iShares Russell 2000 ETF | 1.49% |
| Columbia Small Cap Value Discovery Fund | 0.93% |
| State Street(R) SPDR(R) S&P(R) Regional Banking ETF | 0.72% |
| RMB Mendon Financial Services Fund | 0.71% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.68% |
| Fidelity Small Cap Index Fund | 0.61% |
| iShares Russell 2000 Value ETF | 0.55% |
| T. Rowe Price Financial Services Fund, Inc. | 0.40% |
| Avantis U.S. Small Cap Value ETF | 0.36% |
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