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FIRSTSUN CAPITAL BANCORP

FSUN

$39.68 ▼ -1.08 (-2.64%) at close

8 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRSTSUN CAPITAL BANCORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.1B

Dividend Yield —

Revenue Growth 8.4% ↗

Op. Margin 29.3% ↗

ROIC None

FCF / Share None

Trailing P/E 11.3x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$419.27M

↑ +8.4% —

Net Income Profit after all expenses

$97.94M

↑ +29.5% —

Operating Margin Operating profit as % of sales

29.3%

↑ +19.2% 86th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns →

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	12.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	18.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+208%)	-1.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-128%)	43.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+624%)	—	—
EPS Growth YoY (%)	27.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-33.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-9.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	147.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	29.5% Excellent → Excellent Stable Year-over-year change in net income	-27.0% Weak ↓ Weak Declining Year-over-year change in net income	74.9% Excellent ↑ Excellent Improving Year-over-year change in net income	37.1% Excellent ↓ Excellent Declining Year-over-year change in net income	-9.3% Weak Weak Year-over-year change in net income	132.1% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.4% Fair Fair Compound annual revenue growth over 3 years	18.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.1% Good Good Compound annual revenue growth over 5 years	14.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	5.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.9% Excellent Excellent Compound annual EPS growth over 3 years	34.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	29.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	24.6% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	35.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	22.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	18.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	20.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	11.1% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—
Effective Tax Rate (%) (%)	20.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	19.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	17.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	15.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	16.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	10.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	9.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	4.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$15.09	$14.10	$14.94	$14.25	$15.25	$15.52	$10.13	—
Basic EPS, GAAP (USD)	$3.52	$2.76	$4.15	$2.55	$2.36	$2.60	$1.05	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$41.36	$37.58	$35.14	$31.08	$28.56	$26.51	$21.99	—
Tangible Book Value per Share (USD)	$37.83	$33.94	$30.96	$26.69	$26.31	$24.18	$21.49	—
Basic Weighted Avg Shares (shares)	27.79M	27.43M	24.94M	23.25M	18.32M	18.33M	19.56M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$1.15B	$1.04B	$877.20M	$774.54M	$524.04M	$485.79M	$430.20M	$430.20M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$419.27M	$386.70M	$372.52M	$331.20M	$279.48M	$284.34M	$198.19M	—
Depreciation Expense (USD)	$8.25M	$7.38M	$7.42M	$7.95M	$6.12M	$6.00M	$5.36M	—
Net Income, GAAP (USD)	$97.94M	$75.63M	$103.53M	$59.18M	$43.16M	$47.59M	$20.50M	—
Operating Cash Flow (USD)	$111.48M	$101.12M	$125.18M	$96.92M	$113.11M	$-547.00K	$3.90M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.7%	3.7%	3.3%	2.7%	2.7%	3.0%	—
Efficiency Ratio (%) (%)	64.8%	68.3%	59.8%	72.2%	80.4%	71.8%	85.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 8 years · 28 quarters

FIRSTSUN CAPITAL BANCORP

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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