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Firstsun Capital Bancorp has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Firstsun Capital Bancorp's interest coverage with the available data.
Firstsun Capital Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2026 was 0.15.
Altman Z-Score does not apply to banks and insurance companies.
Firstsun Capital Bancorp (NAS:FSUN) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Firstsun Capital Bancorp has the Financial Strength Rank of 5.
Firstsun Capital Bancorp Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Firstsun Capital Bancorp has enough cash to cover all of its debt. Its financial situation is stable.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 5 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Firstsun Capital Bancorp and its competitors. This is near median its historical median of 5.00. Over the past decade, Firstsun Capital Bancorp's Financial Strength has ranged from 3.00 to 6.00.
Is Firstsun Capital Bancorp's Financial Strength too high?
Firstsun Capital Bancorp's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 6.00. Overall, Firstsun Capital Bancorp has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstsun Capital Bancorp's Financial Strength compare to DCOM and GABC?
Firstsun Capital Bancorp's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, Firstsun Capital Bancorp's own Financial Strength has ranged from 3.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Firstsun Capital Bancorp and its competitors. Firstsun Capital Bancorp's current Financial Strength is 5, which is near median its own 10-year median of 5.00. 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 $47.52, compared to a current price of $34.44 — trading 27.5% below its estimated fair value. The current Financial Strength is 5, which is near median its 10-year median of 5.00. Firstsun Capital Bancorp's overall GF Score™ is 64/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Financial Strength is 5 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 $34.44 is trading 27.5% below its estimated GF Value™ of $47.52.
GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.
Key valuation signals for FSUN:
Financial Strength: 5 (near median its 10-year median of 5.00)
GF Value™: $47.52 vs. price of $34.44 (27.5% below fair value)
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.
64GF Score
Get the complete analysis for FSUN
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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