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Firstsun Capital BancorpFSUN -1.32%62 Cash-to-Debt is 4.82 as of Jun. 2026, which is 23% below its 10-year median of 6.27. GuruFocus rates FSUN with a GF Score™ of 62/100 and a GF Value™ of $38.43 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,497 Banks companies, Firstsun Capital Bancorp ranks better than 76.62% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Firstsun Capital Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 4.82.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Firstsun Capital Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Firstsun Capital Bancorp's Cash-to-Debt or its related term are showing as below:
FSUN'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.46 Med: 6.27 Max: 13.73
Current: 4.82
During the past 7 years, Firstsun Capital Bancorp's highest Cash to Debt Ratio was 13.73. The lowest was 0.46. And the median was 6.27.
FSUN's Cash-to-Debt is ranked better than 76.62% of 1497
companies
in the Banks industry
Industry Median: 1.38
vs FSUN: 4.82
Firstsun Capital Bancorp (NAS:FSUN) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Firstsun Capital Bancorp Cash-to-Debt Related Terms
Firstsun Capital Bancorp Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Firstsun Capital Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Firstsun Capital Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Firstsun Capital Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Firstsun Capital Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Firstsun Capital Bancorp (FSUN) has a Cash-to-Debt of 4.82 as of Jun. 2026. This is 23% below median its historical median of 6.27. Over the past decade, Firstsun Capital Bancorp's Cash-to-Debt has ranged from 0.46 to 13.73. According to the industry distribution chart, Firstsun Capital Bancorp ranks #350 out of 1497 companies in the Banks industry, placing it in the top 23.4%.
Is Firstsun Capital Bancorp's Cash-to-Debt too high?
Firstsun Capital Bancorp's current Cash-to-Debt of 4.82 is 23% below median its 10-year median of 6.27. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 13.73. The Banks industry median Cash-to-Debt is 1.38. Firstsun Capital Bancorp's value of 4.82 is 249.3% above this industry median. Based on the distribution chart, Firstsun Capital Bancorp ranks #350 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Firstsun Capital Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Firstsun Capital Bancorp's Cash-to-Debt compare to CNOB and QCRH?
According to the Banks industry distribution chart, Firstsun Capital Bancorp ranks #350 out of 1497 companies for Cash-to-Debt. This places Firstsun Capital Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.38. Firstsun Capital Bancorp's value of 4.82 is 249.3% above this benchmark. Historically, Firstsun Capital Bancorp's own Cash-to-Debt has ranged from 0.46 to 13.73 over the past decade. While the company's 10-year median is 6.27 vs. the industry median of 1.38, Firstsun Capital Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firstsun Capital Bancorp's current Cash-to-Debt of 4.82 is 249.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstsun Capital Bancorp's current Cash-to-Debt is 4.82, which is 23% below median its own 10-year median of 6.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstsun Capital Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Firstsun Capital Bancorp (FSUN) is currently considered Fairly Valued. The stock's GF Value™ is $38.43, compared to a current price of $40.45 — trading 5.3% above its estimated fair value. The current Cash-to-Debt is 4.82, which is 23% below median its 10-year median of 6.27 and 249.3% above the Banks industry median of 1.38. Firstsun Capital Bancorp's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Cash-to-Debt is 4.82 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Firstsun Capital Bancorp (FSUN) Overvalued in 2026?
Based on GuruFocus' analysis, Firstsun Capital Bancorp stock appears to be overvalued.
The current stock price of $40.45 is trading 5.3% above its estimated GF Value™ of $38.43.
GuruFocus considers Firstsun Capital Bancorp to be Fairly Valued.
Key valuation signals for FSUN:
Cash-to-Debt: 4.82 (23% below median its 10-year median of 6.27)
GF Value™: $38.43 vs. price of $40.45 (5.3% above fair value)
Industry Position: 249.3% above the Banks median (#350 of 1497)
No single metric tells the full story. See the FSUN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstsun Capital Bancorp is the financial holding company. It provides a full range of deposit, lending, treasury management, wealth management, and online banking products and services. The company operates in two segments; Banking operations and mortgage operations, the majority of which are generated by the banking operations segment. The Banking segment originates loans and provides deposits and fee based services to consumer, business, and mortgage lending customers. Products offered include a full range of commercial and consumer banking and financial services. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans.
62GF Score
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