FirstSun Capital (FSUN) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - FirstSun Capital (FSUN) reported a revenue of $111.36 million for the quarter ended December 2025, reflecting a year-over-year increase of 12.9% [1] - The earnings per share (EPS) for the quarter was $0.95, up from $0.86 in the same quarter last year, indicating an EPS surprise of +11.11% compared to the consensus estimate of $0.86 [1] - The reported revenue exceeded the Zacks Consensus Estimate of $108.2 million, resulting in a revenue surprise of +2.92% [1] Financial Performance Metrics - Net interest margin (on a fully taxable equivalent basis) was reported at 4.2%, slightly above the average estimate of 4.1% from two analysts [4] - Nonperforming assets totaled $72.29 million, lower than the average estimate of $77.76 million [4] - Nonperforming loans were reported at $60.77 million, compared to the average estimate of $64.62 million [4] - Net charge-offs remained at 0.3%, matching the average estimate from two analysts [4] - Average interest-earning assets were $7.92 billion, slightly below the average estimate of $7.94 billion [4] - The efficiency ratio was reported at 65.4%, higher than the estimated 64% [4] - FTE net interest income (non-GAAP) was $84.62 million, exceeding the average estimate of $82.53 million [4] - Total noninterest income was $26.74 million, above the estimated $25.7 million [4] - Net interest income (GAAP) was reported at $83.46 million, surpassing the average estimate of $81.31 million [4] Stock Performance - Over the past month, shares of FirstSun Capital have returned -1.5%, while the Zacks S&P 500 composite has seen a change of +0.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]