FirstSun Capital (FSUN) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - FirstSun Capital reported revenue of $108.51 million for the quarter ended September 2025, reflecting a year-over-year increase of 10.5% [1] - The company's EPS was $0.82, slightly down from $0.84 in the same quarter last year, with an EPS surprise of -8.89% against a consensus estimate of $0.90 [1] - The reported revenue exceeded the Zacks Consensus Estimate of $107.1 million, resulting in a surprise of +1.32% [1] Financial Performance Metrics - Net interest margin (on FTE basis) was 4.1%, matching the two-analyst average estimate [4] - Nonperforming assets totaled $83.06 million, higher than the average estimate of $62.92 million [4] - Nonperforming loans amounted to $69.64 million, exceeding the average estimate of $50.72 million [4] - Net charge-offs were reported at 0.6%, above the average estimate of 0.4% [4] - Average interest-earning assets reached $7.89 billion, slightly above the average estimate of $7.85 billion [4] - Efficiency ratio was 64.2%, compared to the average estimate of 63.4% [4] - FTE net interest income (non-GAAP) was $82.18 million, surpassing the average estimate of $81.6 million [4] - Total noninterest income was $26.33 million, exceeding the average estimate of $25.52 million [4] - Net interest income (GAAP) was reported at $80.95 million, above the average estimate of $80.37 million [4] Stock Performance - Shares of FirstSun Capital returned +1.1% over the past month, while the Zacks S&P 500 composite increased by +2.5% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]