Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Firstsun Capital Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was -1.20%.
The industry rank for Firstsun Capital Bancorp's 3-Year RORE % or its related term are showing as below:
FSUN's 3-Year RORE % is ranked worse than 74.18% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs FSUN: -1.20
Firstsun Capital Bancorp (NAS:FSUN) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Firstsun Capital Bancorp 3-Year RORE % Related Terms
Firstsun Capital Bancorp 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Firstsun Capital Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Firstsun Capital Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Firstsun Capital Bancorp's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Firstsun Capital Bancorp (FSUN) has a 3-Year RORE % of -1.20 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Firstsun Capital Bancorp and its competitors. According to the industry distribution chart, Firstsun Capital Bancorp ranks #1092 out of 1472 companies in the Banks industry, placing it in the top 74.2%.
Is Firstsun Capital Bancorp's 3-Year RORE % too high?
Firstsun Capital Bancorp's current 3-Year RORE % is -1.20. Based on the distribution chart, Firstsun Capital Bancorp ranks #1092 out of 1472 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 3-Year RORE % compare to DCOM and GABC?
According to the Banks industry distribution chart, Firstsun Capital Bancorp ranks #1092 out of 1472 companies for 3-Year RORE %. This places Firstsun Capital Bancorp in the lower half of its industry. The industry median 3-Year RORE % is 9.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Firstsun Capital Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstsun Capital Bancorp's current 3-Year RORE % is -1.20. 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 $45.20, compared to a current price of $38.27 — trading 15.3% below its estimated fair value. The current 3-Year RORE % is -1.20. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Firstsun Capital Bancorp (FSUN), the current 3-Year RORE % is -1.20 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 $38.27 is trading 15.3% below its estimated GF Value™ of $45.20.
GuruFocus considers Firstsun Capital Bancorp to be Modestly Undervalued.
Key valuation signals for FSUN:
3-Year RORE %: -1.20
GF Value™: $45.20 vs. price of $38.27 (15.3% 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.
65GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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