FirstSun Capital Bancorp's Earnings Overview

Core Viewpoint - FirstSun Capital Bancorp (FSUN) reported positive earnings performance for Q4 2025, with earnings per share (EPS) exceeding estimates, indicating improved profitability and financial health [2][5]. Financial Performance - FSUN's EPS for Q4 2025 was $0.87, slightly above the estimated $0.86 [2][5]. - The company's net income for Q4 2025 was $24.8 million, up from $16.4 million in Q4 2024, reflecting a significant increase in profitability [2][5]. - Adjusted net income for Q4 2025 was $26.9 million, or $0.95 per diluted share, compared to $24.3 million, or $0.86, in 2024, indicating strong underlying performance [2]. Financial Ratios - The price-to-earnings (P/E) ratio is approximately 11.73, suggesting investors are willing to pay $11.73 for every dollar of earnings [3]. - The price-to-sales ratio is about 1.91, indicating the company's market value relative to its sales [3]. - The enterprise value to sales ratio is approximately 0.87, reflecting the company's total value compared to its sales [3]. Debt and Liquidity - The debt-to-equity ratio is approximately 0.076, indicating a low level of debt compared to equity, which is generally favorable [4]. - The current ratio is around 0.098, suggesting potential liquidity challenges in meeting short-term obligations [4]. - FSUN's earnings yield of about 8.52% represents a solid return on investment for shareholders [4].