Firstsun Capital BancorpFSUN +0.03%65 Net Margin % is 19.63% as of Mar. 2026, which is 7% above its 10-year median of 18.34. 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 1,526 Banks companies, Firstsun Capital Bancorp ranks worse than 64.02% on this metric.
The historical rank and industry rank for Firstsun Capital Bancorp's Net Margin % or its related term are showing as below:
FSUN'
s Net Margin % Range Over the Past 10 Years
Min: 10.35 Med: 18.34 Max: 28.37
Current: 22.7
FSUN's Net Margin % is ranked worse than 64.02% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FSUN: 22.70
Firstsun Capital Bancorp (NAS:FSUN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Firstsun Capital Bancorp Net Margin % Related Terms
Firstsun Capital Bancorp Net Margin % 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.
For the Banks - Regional subindustry, Firstsun Capital Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Firstsun Capital Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Firstsun Capital Bancorp's Net Margin % 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 Net Margin % of 19.63% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Firstsun Capital Bancorp and its competitors. This is near median its historical median of 18.34. Over the past decade, Firstsun Capital Bancorp's Net Margin % has ranged from 10.35 to 28.37. According to the industry distribution chart, Firstsun Capital Bancorp ranks #977 out of 1526 companies in the Banks industry, placing it in the top 64%.
Is Firstsun Capital Bancorp's Net Margin % too high?
Firstsun Capital Bancorp's current Net Margin % of 19.63% is near median its 10-year median of 18.34. Over the past 10 years, this metric has ranged from a low of 10.35 to a high of 28.37. The Banks industry median Net Margin % is 26.97. Firstsun Capital Bancorp's value of 19.63% is 27.2% below this industry median. Based on the distribution chart, Firstsun Capital Bancorp ranks #977 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to DCOM and GABC?
According to the Banks industry distribution chart, Firstsun Capital Bancorp ranks #977 out of 1526 companies for Net Margin %. This places Firstsun Capital Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Firstsun Capital Bancorp's value of 19.63% is 27.2% below this benchmark. Historically, Firstsun Capital Bancorp's own Net Margin % has ranged from 10.35 to 28.37 over the past decade. While the company's 10-year median is 18.34 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firstsun Capital Bancorp's current Net Margin % of 19.63% is 27.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Firstsun Capital Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstsun Capital Bancorp's current Net Margin % is 19.63%, which is near median its own 10-year median of 18.34. 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 $37.85 — trading 16.1% below its estimated fair value. The current Net Margin % is 19.63%, which is near median its 10-year median of 18.34 and 27.2% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Net Margin % is 19.63% 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 $37.85 is trading 16.1% below its estimated GF Value™ of $45.11.
GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.
Key valuation signals for FSUN:
Net Margin %: 19.63% (near median its 10-year median of 18.34)
GF Value™: $45.11 vs. price of $37.85 (16.1% below fair value)
Industry Position: 27.2% below the Banks median (#977 of 1526)
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.
65GF Score
Get the complete analysis for FSUN
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