Firstsun Capital BancorpFSUN -7.51%63 Debt-to-Equity is 0.06 as of Mar. 2026, which is 45% below its 10-year median of 0.11. GuruFocus rates FSUN with a GF Score™ of 63/100 and a GF Value™ of $46.37 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,421 Banks companies, Firstsun Capital Bancorp ranks better than 93.31% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Firstsun Capital Bancorp's Debt-to-Equity or its related term are showing as below:
FSUN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 0.11 Max: 0.98
Current: 0.06
During the past 7 years, the highest Debt-to-Equity Ratio of Firstsun Capital Bancorp was 0.98. The lowest was 0.06. And the median was 0.11.
FSUN's Debt-to-Equity is ranked better than 93.31% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs FSUN: 0.06
Firstsun Capital Bancorp (NAS:FSUN) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Firstsun Capital Bancorp Debt-to-Equity Related Terms
Firstsun Capital Bancorp Debt-to-Equity 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.
FSUN vs DCOM, GABC, STBA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Firstsun Capital Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Firstsun Capital Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Firstsun Capital Bancorp's Debt-to-Equity 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 Debt-to-Equity of 0.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Firstsun Capital Bancorp and its competitors. This is 45% below median its historical median of 0.11. Over the past decade, Firstsun Capital Bancorp's Debt-to-Equity has ranged from 0.06 to 0.98. According to the industry distribution chart, Firstsun Capital Bancorp ranks #95 out of 1421 companies in the Banks industry, placing it in the top 6.7%.
Is Firstsun Capital Bancorp's Debt-to-Equity too high?
Firstsun Capital Bancorp's current Debt-to-Equity of 0.06 is 45% below median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.98. The Banks industry median Debt-to-Equity is 0.56. Firstsun Capital Bancorp's value of 0.06 is 89.3% below this industry median. Based on the distribution chart, Firstsun Capital Bancorp ranks #95 out of 1421 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 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstsun Capital Bancorp's Debt-to-Equity compare to DCOM and GABC?
According to the Banks industry distribution chart, Firstsun Capital Bancorp ranks #95 out of 1421 companies for Debt-to-Equity. This places Firstsun Capital Bancorp in the top 7% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Firstsun Capital Bancorp's value of 0.06 is 89.3% below this benchmark. Historically, Firstsun Capital Bancorp's own Debt-to-Equity has ranged from 0.06 to 0.98 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.56, Firstsun Capital Bancorp has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firstsun Capital Bancorp's current Debt-to-Equity of 0.06 is 89.3% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Firstsun Capital Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstsun Capital Bancorp's current Debt-to-Equity is 0.06, which is 45% below median its own 10-year median of 0.11. 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 Modestly Undervalued. The stock's GF Value™ is $46.37, compared to a current price of $35.12 — trading 24.3% below its estimated fair value. The current Debt-to-Equity is 0.06, which is 45% below median its 10-year median of 0.11 and 89.3% below the Banks industry median of 0.56. Firstsun Capital Bancorp's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Debt-to-Equity is 0.06 as of Mar. 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 undervalued.
The current stock price of $35.12 is trading 24.3% below its estimated GF Value™ of $46.37.
GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.
Key valuation signals for FSUN:
Debt-to-Equity: 0.06 (45% below median its 10-year median of 0.11)
GF Value™: $46.37 vs. price of $35.12 (24.3% below fair value)
Industry Position: 89.3% below the Banks median (#95 of 1421)
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.
63GF Score
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