FSUN (Firstsun Capital Bancorp) Moat Score: 3/10 (As of Jun. 25, 2026)


FSUN Firstsun Capital Bancorp FSUN
65 GF Score
Price $37.64
GF Value $45.11
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Firstsun Capital Bancorp Moat Score?

Firstsun Capital Bancorp FSUN -0.59% 65 Moat Score is 3 as of Jun. 25, 2026. GuruFocus rates FSUN with a GF Score™ of 65/100 and a GF Value™ of $45.11 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,609 Banks companies, Firstsun Capital Bancorp ranks better than 74.39% on this metric.

Firstsun Capital Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Firstsun Capital Bancorp has No Moat: Firstsun Capital Bancorp operates in a competitive banking sector with minimal customer switching costs and no significant intellectual property or brand strength. The company lacks durable cost advantages, regulatory barriers, and pricing power, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Firstsun Capital Bancorp might have No Moat - Very weak/transient advantages.

Firstsun Capital Bancorp  (NAS:FSUN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Firstsun Capital Bancorp Moat Score Related Terms

FSUN vs DCOM, GABC, STBA: Moat Score Comparison

For the Banks - Regional subindustry, Firstsun Capital Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Firstsun Capital Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Firstsun Capital Bancorp's Moat Score falls into.


FSUN
65GF Score
Firstsun Capital Bancorp FSUN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Firstsun Capital Bancorp (FSUN) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Firstsun Capital Bancorp ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Firstsun Capital Bancorp's Moat Score too high?
Firstsun Capital Bancorp's current Moat Score is 3. Based on the distribution chart, Firstsun Capital Bancorp ranks #412 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Firstsun Capital Bancorp has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstsun Capital Bancorp's Moat Score compare to DCOM and GABC?
According to the Banks industry distribution chart, Firstsun Capital Bancorp ranks #412 out of 1609 companies for Moat Score. This puts Firstsun Capital Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Firstsun Capital Bancorp's current Moat Score is 3. 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 $45.11, compared to a current price of $37.64 — trading 16.6% below its estimated fair value. The current Moat Score is 3. Firstsun Capital Bancorp's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Moat Score is 3 as of Jun. 25, 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 $37.64 is trading 16.6% below its estimated GF Value™ of $45.11. GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.

Key valuation signals for FSUN:

  • Moat Score: 3
  • GF Value™: $45.11 vs. price of $37.64 (16.6% below fair value)
  • GF Score™: 65/100 with 1 warning sign

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 Business Description

Address 1400 16th Street, Suite 250, Denver, CO, USA, 80202
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.
65GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.64
Price
$45.11
GF Value