FSUN (Firstsun Capital Bancorp) Retained Earnings: $652.7 Mil (As of Mar. 2026)


FSUN Firstsun Capital Bancorp FSUN
65 GF Score
Price $39.85
GF Value $45.69
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Firstsun Capital Bancorp Retained Earnings?

Firstsun Capital Bancorp FSUN +2.76% 65 Retained Earnings is $652.7 Mil as of Mar. 2026. GuruFocus rates FSUN with a GF Score™ of 65/100 and a GF Value™ of $45.69 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Firstsun Capital Bancorp's retained earnings for the quarter that ended in Mar. 2026 was $652.7 Mil.

Firstsun Capital Bancorp's quarterly retained earnings increased from Sep. 2025 ($606.3 Mil) to Dec. 2025 ($631.1 Mil) and increased from Dec. 2025 ($631.1 Mil) to Mar. 2026 ($652.7 Mil).

Firstsun Capital Bancorp's annual retained earnings increased from Dec. 2023 ($457.5 Mil) to Dec. 2024 ($533.2 Mil) and increased from Dec. 2024 ($533.2 Mil) to Dec. 2025 ($631.1 Mil).


Firstsun Capital Bancorp  (NAS:FSUN) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Firstsun Capital Bancorp Retained Earnings Historical Data

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The historical data trend for Firstsun Capital Bancorp's Retained Earnings can be seen below:

* 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 Retained Earnings Chart

Firstsun Capital Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 298.62 357.80 457.52 533.15 631.09

Firstsun Capital Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 556.72 583.11 606.28 631.09 652.67
FSUN
65GF Score
Firstsun Capital Bancorp FSUN
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Firstsun Capital Bancorp Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $652.7 Mil mean?
Firstsun Capital Bancorp (FSUN) has a Retained Earnings of $652.7 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Firstsun Capital Bancorp and its competitors.
Is Firstsun Capital Bancorp's Retained Earnings too high?
Firstsun Capital Bancorp's current Retained Earnings is $652.7 Mil. 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 Retained Earnings compare to DCOM and GABC?
Firstsun Capital Bancorp's Retained Earnings of $652.7 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Firstsun Capital Bancorp and its competitors. Firstsun Capital Bancorp's current Retained Earnings is $652.7 Mil. 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 $45.69, compared to a current price of $39.85 — trading 12.8% below its estimated fair value. The current Retained Earnings is $652.7 Mil. Firstsun Capital Bancorp's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current Retained Earnings is $652.7 Mil 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 $39.85 is trading 12.8% below its estimated GF Value™ of $45.69. GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.

Key valuation signals for FSUN:

  • Retained Earnings: $652.7 Mil
  • GF Value™: $45.69 vs. price of $39.85 (12.8% below fair value)
  • GF Score™: 65/100 with 2 warning signs

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

$39.85
Price
$45.69
GF Value