)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
FirstSun Capital (FSUN) investor relations material
FirstSun Capital Q3 2025 & M&A Announcement earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 & M&A Announcement earnings summary28 Oct, 2025
Executive summary
Announced a merger between FirstSun and First Foundation to create a $17 billion asset bank with a strong presence in Southern California, Florida, and high-growth Southwest markets, aiming for a top-tier, diversified banking franchise.
The merger is structured as an all-stock deal, with FFWM shareholders receiving 0.16083 FSUN shares per FFWM share, valuing FFWM at $785 million.
The combined company will focus on C&I lending, core deposits, and diversified fee income, with a significant wealth management platform.
The transaction is expected to double the company's size, accelerate business plans, and reduce credit, liquidity, and interest rate risk.
Net income for Q3 2025 was $23.2 million ($0.82 per share), with strong loan growth and stable net interest margin.
Financial highlights
Pro forma total assets of $17 billion, gross loans of $12 billion, and deposits of $14.2 billion at closing.
Projected 2027 EPS accretion of 30%+, tangible book value dilution of 14%, and a TBV earn-back period of just over three years.
Pro forma NIM expected to rise from 1.60% to nearly 4% by 2027, with a projected ROAA of 1.45% and ROATCE of 13.3%.
CET1 capital ratio of 10.5% at closing, projected to reach 12.7% by 2027; TCE/TA of 9.6% at close.
Allowance for credit losses to loans at 1.26%–1.32% pro forma; nonperforming loans to total loans at 1.04%.
Outlook and guidance
The repositioning plan includes $3.4 billion in balance sheet downsizing at closing, with further remixing over the next four to six quarters.
Management targets mid-single digit loan and deposit growth for FY2025, with ongoing focus on organic growth, core deposit generation, and C&I lending.
Efficiency ratio targeted in the mid-60s, with 35% cost savings from FFWM's noninterest expense fully realized by 2027.
Pro forma company targets fee income/revenue of ~20% and continued improvement in NII and expense reductions.
Two 25bp Fed rate cuts assumed by year-end 2025.
Detail $3.4B repositioning execution
Outline post-2027 capital management plans
What underpins regulatory approval confidence?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next FirstSun Capital earnings date
Q4 202526 Jan, 2026
Next FirstSun Capital earnings date
Q4 202526 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
FirstSun Capital Bancorp, based in Denver, Colorado, operates as the financial holding company for Sunflower Bank, N.A. This institution also includes divisions such as First National 1870 and Guardian Mortgage within its structure. The company delivers a wide array of financial products and services, including deposit, lending, treasury management, wealth management, and online banking solutions through Sunflower Bank, National Association, and Logia Portfolio Management, LLC. Their offerings cater to both individual customers and businesses, featuring commercial loans, real estate loans, residential mortgages, various banking deposit products, and treasury management products and services. The company is headquartered in Denver, Colorado, and its shares are listed on the OTCQX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage