FirstSun Capital Bancorp (FSUN)

Nasdaq: FSUN · National Commercial Banks · Denver, CO · filing with the SEC since 2017

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Grade5.3

◀ Past 5.8● Present 4.6▶ Future 5.6

1 est.

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The grade of FirstSun Capital Bancorp

Nine metrics read from its own filings, by tense

Headline grade

5.3/10

◀ Past5.840% of the headline

● Present4.635% of the headline

▶ Future5.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

FirstSun Capital Bancorp's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

8.1/10

What has it actually done, year after year?

+20.1% a year over 7 filed years; profitable in 7 of 7.

weight 22% of this tense · 81st percentile among 79 sector filers · read for its customers

From the record

FirstSun Capital Bancorp's 7 filed years say what it did: revenue went from $156 million in fiscal 2019 to $468 million in fiscal 2025, up 20.1% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 7 of 7 of those years (its annual reports).

What it rests on

revenue growth over the filed span20.1%top 16% of its family
the share of years revenue rosetop 9% of its family
the share of filed years with a profittop 42% of its family
the deepest fall from a revenue peak0.0%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

1.9/10

How has it treated the people who own it?

Share count grew 5.8% a year. 10% of cash flow returned. Insiders: 0 sales, 1 purchases.

weight 33% of this tense · 20th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, FirstSun Capital Bancorp's diluted share count grew about 5.8% a year, and dividends and buybacks returned about 10% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $53 thousand (their Form 4 filings).

What it rests on

the share count over the yearsbottom 25% of its family
cash returned against operating cash flowbottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.6/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

5.3/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.

weight 45% of this tense · 53rd percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, FirstSun Capital Bancorp earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count grew 0.7% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 13% of its family
return on equitybottom 30% of its family
the share count against the year beforebottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.4/10

How strong is its position in its industry?

bottom 44% of 79 in its family; net margin 20.9%.

weight 33% of this tense · 44th percentile among 79 sector filers · read for its customers

From the record

FirstSun Capital Bancorp's standing among 79 graded names in its industry family: revenue of $468 million in fiscal 2025 ranks in the bottom 38% by size; a net margin of 20.9% ranks in the bottom 32%; revenue growth of 20.6% a year over the last 3 filed years ranks in the top 37% (its annual reports).

What it rests on

revenue against the family$468Mbottom 38% of its family
net margin20.9%bottom 32% of its family
three-year revenue growth20.6%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

3.3/10

What are the people in charge doing?

SI estimate 3.3/10, confidence 35 of 100 (one part).

weight 22% of this tense · 33rd percentile among 79 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 33% of 79 in its family; the record of its people begins on 2024-07-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2024-07-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 79 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: FirstSun Capital Bancorp's leadership is put at 3.3 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 33% of 79 in its family; the record of its people begins on 2024-07-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.6/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.6/10

How much room does it have to grow?

top 34% of 71 in its family for room to expand.

weight 33% of this tense · 66th percentile among 71 sector filers · read for itself

From the record

FirstSun Capital Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $653 million against no long-term debt tagged leaves 7.7% of its assets as net cash, top 18% of its family; cash from operations less capital spending is 22.2% of revenue (bottom 49%) (its annual report).

What it rests on

cash less debt against assets7.7%top 18% of its family
cash from operations less capital spending against revenue22.2%bottom 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.5/10

What could actually drive growth from here?

top 45% of 79 in its family for growth drivers.

weight 33% of this tense · 55th percentile among 79 sector filers · read for its customers

From the record

FirstSun Capital Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 20.6% a year over the last three filed years against 20.1% over all 7, speeding up (bottom 32% of its family); the newest year grew 1.8% (bottom 39%); capital spending grew 50.6% a year (top 5%) (its annual reports). FirstSun Capital Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+0.5 points a yearbottom 32% of its family
the newest year's revenue growth1.8%bottom 39% of its family
three-year growth of capital spending50.6%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.6/10

Did its newest year beat what its own record pointed to?

bottom 46% of 76 in its family for expectations against reality.

weight 33% of this tense · 46th percentile among 76 sector filers · read for its shareholders

From the record

FirstSun Capital Bancorp's newest year against its own record: revenue of $468 million in fiscal 2025 came in 22.4% below the $603 million its prior three years' pace pointed to (bottom 26% of its family); net income of $98 million against a prior three-year average of $79 million (top 45%); a net margin of 20.9% against 21.2% before (top 43%) (its annual reports).

What it rests on

revenue against the prior three years' pace-22.4%bottom 26% of its family
net income against the prior three years' average+23%top 45% of its family
net margin against its prior average-0.3 pointstop 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FSUN · research, not advice