For the quarter ending 2026-03-31, FSUN had -$282,842K decrease in cash & cash equivalents over the period. -$99,101K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -51,546 | 23,174 | 49,955 |
| Provision for credit losses | -10,150 | 10,100 | 8,300 |
| Depreciation and amortization on premises and equipment | -4,033 | 2,067 | 4,103 |
| Deferred tax expense | - | 1,941 | 4,677 |
| Amortization of net premium on securities | 336 | -148 | -253 |
| Accretion of net discount on acquired loans | 855 | -125 | -851 |
| Net change in deferred loan origination fees and costs | -226 | -1,597 | -2,302 |
| Amortization of core deposits and other intangible assets | -1,277 | 578 | 1,206 |
| Amortization of premium on acquired deposits | -54 | 9 | 45 |
| Accretion of discount on subordinated debt | -151 | 60 | 151 |
| Amortization of issuance costs on subordinated debt | -97 | 37 | 73 |
| Increase in cash surrender value of bank-owned life insurance | -1,059 | 545 | 1,062 |
| Impairment of other real estate owned and foreclosed assets | -670 | 30 | 642 |
| Federal home loan bank stock dividends | -377 | 109 | 369 |
| Share-based compensation expense | -1,680 | 1,243 | 1,692 |
| Decrease in fair value of mortgage servicing rights | -7,182 | 2,816 | 6,295 |
| Net loss on disposal of premises and equipment | 180 | -47 | -133 |
| Net loss (gain) on other real estate owned and foreclosed assets activity | -66 | -27 | 0 |
| Net gain on sales of loans held-for-sale | -4,320 | 3,588 | 4,135 |
| Origination of loans held-for-sale | -587,807 | 376,087 | 641,544 |
| Proceeds from sales of loans held-for-sale | -606,292 | 381,431 | 609,949 |
| Lease right-of-use assets | 305 | -184 | 24 |
| Accrued interest receivable | -1,862 | 892 | 1,802 |
| Prepaid expenses and other assets | 29,537 | -12,087 | -12,056 |
| Accrued interest payable | 320 | 814 | -1,458 |
| Deferred tax assets | - | 0 | 5,100 |
| Accrued expenses and other liabilities | 14,297 | -7,286 | -4,084 |
| Net cash provided by operating activities | -103,101 | 49,372 | 41,361 |
| Proceeds from maturities of held-to-maturity securities | -770 | 367 | 725 |
| Purchases of available-for-sale securities | -21,595 | 823 | 20,772 |
| Proceeds from pay-downs, sales or maturities of available-for-sale securities | -19,546 | 8,897 | 20,246 |
| Proceeds from bank-owned life insurance | - | 0 | 0 |
| Loan originations, net of repayments | 59,271 | -185,512 | -155,142 |
| Purchases of premises and equipment | -4,000 | 1,752 | 4,001 |
| Proceeds from sales of other real estate owned and foreclosed assets | 288 | 0 | 249 |
| Purchases of restricted equity securities | 2,048 | 27 | 634 |
| Proceeds from the sale or redemption of restricted equity securities | -3,933 | 146 | 5,143 |
| Purchase of other investments | 11,326 | -234 | 6,819 |
| Proceeds from the sale or redemption of other investments | 13,249 | 212 | 486 |
| Net cash used in investing activities | 60,780 | -178,258 | -160,519 |
| Net change in deposits | -453,051 | 5,260 | 427,949 |
| Net change in securities sold under agreements to repurchase | 1,385 | -1,349 | -3,526 |
| Proceeds from federal home loan bank advances | -218,000 | 0 | 293,000 |
| Repayments of federal home loan bank advances | -428,000 | 0 | 428,000 |
| Proceeds from issuance of common stock, net of issuance costs and taxes paid on cashless exercise of equity awards | 1,145 | -241 | -1,067 |
| Net cash provided by financing activities | -240,521 | 3,670 | 288,356 |
| Net increase in cash and cash equivalents | -282,842 | -125,216 | 169,198 |
| Cash and cash equivalents, beginning of period | 659,899 | 615,917 | - |
| Cash and cash equivalents, end of period | 413,732 | 659,899 | - |
FIRSTSUN CAPITAL BANCORP (FSUN)
FIRSTSUN CAPITAL BANCORP (FSUN)