FSUNFIRSTSUN CAPITAL BANCORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.1B
- Employees
- 1,177
- Net debt / EBITDA
- —
- AI in 10-K
- 0.9
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo114% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo7% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo98% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo0.9 per 10K words · 33rd pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.1B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$53K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $43M | $59M | $104M | $76M | $98M | 29% |
| Operating cash flow | $113M | $97M | $125M | $101M | $111M | 10% |
| Capex | $3M | $2M | $4M | $5M | $8M | 39% |
| Stock-based comp | $3M | $1M | $2M | $2M | $4M | 49% |
| Buybacks | $0 | $0 | — | — | — | |
| Dividends | $0 | $8M | $26M | $0 | $8M |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $53K · 1
- Open-market sells, 12 mo
- $0 · 0
- Net
- $53K
Pay vs performance
No pay-versus-performance disclosure yet.