A

FirstSun Capital Bancorp — Earnings Quality Grade A

FSUN · Financial Services

Strong financial health

Revenue
$409M
2025
Net Income
$98M
2025
Gross Margin
Free Cash Flow
$104M
01

Screening Summary

11
Passed
1
Watch
0
Failed
M-Score

管理层信号

查看全部 →
Watch2026-04-01
Isabella Cunningham · director辞职
7 board departures
SEC
Routine2026-04-01
Spencer T. Cohn · Director任命
Standard appointment
SEC
Routine2026-04-01
Spencer T. Cohn · director任命
Standard appointment
SEC
Watch2026-04-01
Spencer T. Cohn · director辞职
7 board departures
SEC
Routine2026-04-01
Castle Creek · director任命
Standard appointment
SEC

数据来源:SEC EDGAR 8-K Item 5.02,附 Exhibit 99.1 链接

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 29 days, change -2 days YoY

A2AR vs Revenue Growth

AR growth 0.5% vs revenue growth 8.4%

A3Revenue vs CFFO

Revenue 8.4%, CFFO 10.2%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 38.7% is >2x revenue growth 8.4%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.14. Profits backed by cash

C2Free Cash Flow

FCF $0.1B, FCF/NI = 1.06

C3Accruals Ratio

Accruals ratio = -0.2%. Low accruals

C4Cash vs Debt

Cash $0.7B covers debt $0.1B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.2B = 16% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change -0% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

FirstSun Capital Bancorp is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25