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

By Zacks Equity Research | October 27, 2025, 7:30 PM

For the quarter ended September 2025, FirstSun Capital (FSUN) reported revenue of $108.51 million, up 10.5% over the same period last year. EPS came in at $0.82, compared to $0.84 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $107.1 million, representing a surprise of +1.32%. The company delivered an EPS surprise of -8.89%, with the consensus EPS estimate being $0.90.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how FirstSun Capital performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (on FTE basis): 4.1% versus the two-analyst average estimate of 4.1%.
  • Nonperforming assets: $83.06 million versus $62.92 million estimated by two analysts on average.
  • Nonperforming loans: $69.64 million versus the two-analyst average estimate of $50.72 million.
  • Net Charge-offs: 0.6% versus the two-analyst average estimate of 0.4%.
  • Average interest earning assets: $7.89 billion versus $7.85 billion estimated by two analysts on average.
  • Efficiency Ratio: 64.2% versus the two-analyst average estimate of 63.4%.
  • FTE net interest income (non-GAAP): $82.18 million versus $81.6 million estimated by two analysts on average.
  • Total Noninterest income: $26.33 million versus $25.52 million estimated by two analysts on average.
  • Net interest income (GAAP): $80.95 million versus the two-analyst average estimate of $80.37 million.

View all Key Company Metrics for FirstSun Capital here>>>

Shares of FirstSun Capital have returned +1.1% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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FirstSun Capital Bancorp (FSUN): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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