vs
Side-by-side financial comparison of FIRSTSUN CAPITAL BANCORP (FSUN) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $110.0M, roughly 1.8× FIRSTSUN CAPITAL BANCORP). FIRSTSUN CAPITAL BANCORP runs the higher net margin — 19.6% vs 8.1%, a 11.5% gap on every dollar of revenue. Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 6.9%).
FirstSun Capital Bancorp is a U.S.-headquartered financial holding company that offers a comprehensive range of banking and financial services, including commercial and consumer lending, deposit products, wealth management, and treasury solutions. It mainly serves individual customers, small and medium-sized enterprises, and corporate clients across U.S. regional markets.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
FSUN vs HTO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $110.0M | $199.4M |
| Net Profit | $21.6M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | — | 16.6% |
| Net Margin | 19.6% | 8.1% |
| Revenue YoY | — | 1.5% |
| Net Profit YoY | -8.4% | -29.2% |
| EPS (diluted) | $0.76 | $0.45 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $110.0M | — | ||
| Q4 25 | $110.2M | $199.4M | ||
| Q3 25 | $107.3M | $243.5M | ||
| Q2 25 | $105.6M | $197.8M | ||
| Q1 25 | $96.2M | $164.9M | ||
| Q4 24 | $98.7M | $196.5M | ||
| Q3 24 | $98.2M | $216.7M | ||
| Q2 24 | $96.2M | $173.1M |
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $16.2M | ||
| Q3 25 | $23.2M | $45.1M | ||
| Q2 25 | $26.4M | $24.7M | ||
| Q1 25 | $23.6M | $16.6M | ||
| Q4 24 | $16.4M | $22.9M | ||
| Q3 24 | $22.4M | $38.7M | ||
| Q2 24 | $24.6M | $20.7M |
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | 16.6% | ||
| Q3 25 | 26.4% | 26.5% | ||
| Q2 25 | 31.2% | 22.2% | ||
| Q1 25 | 30.9% | 21.8% | ||
| Q4 24 | 20.4% | 22.2% | ||
| Q3 24 | 29.1% | 26.9% | ||
| Q2 24 | 32.3% | 23.4% |
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | 8.1% | ||
| Q3 25 | 21.6% | 18.5% | ||
| Q2 25 | 25.0% | 12.5% | ||
| Q1 25 | 24.5% | 10.0% | ||
| Q4 24 | 16.6% | 11.7% | ||
| Q3 24 | 22.8% | 17.8% | ||
| Q2 24 | 25.5% | 12.0% |
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $0.45 | ||
| Q3 25 | $0.82 | $1.27 | ||
| Q2 25 | $0.93 | $0.71 | ||
| Q1 25 | $0.83 | $0.49 | ||
| Q4 24 | $0.57 | $0.70 | ||
| Q3 24 | $0.79 | $1.17 | ||
| Q2 24 | $0.88 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $413.7M | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $1.2B | $1.5B |
| Total Assets | $8.6B | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $20.7M | ||
| Q3 25 | $659.9M | $11.3M | ||
| Q2 25 | $785.1M | $19.8M | ||
| Q1 25 | $621.4M | $23.7M | ||
| Q4 24 | $615.9M | $11.1M | ||
| Q3 24 | $573.7M | $4.0M | ||
| Q2 24 | $535.8M | $22.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $1.5B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $1.1B | $1.5B | ||
| Q1 25 | $1.1B | $1.4B | ||
| Q4 24 | $1.0B | $1.4B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $996.6M | $1.3B |
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $5.1B | ||
| Q3 25 | $8.5B | $5.0B | ||
| Q2 25 | $8.4B | $4.8B | ||
| Q1 25 | $8.2B | $4.7B | ||
| Q4 24 | $8.1B | $4.7B | ||
| Q3 24 | $8.1B | $4.6B | ||
| Q2 24 | $8.0B | $4.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $63.5M | ||
| Q3 25 | $49.4M | $77.3M | ||
| Q2 25 | $15.0M | $60.8M | ||
| Q1 25 | $26.4M | $43.2M | ||
| Q4 24 | $101.1M | $41.5M | ||
| Q3 24 | $48.1M | $53.5M | ||
| Q2 24 | $20.9M | $49.3M |
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | — | ||
| Q3 25 | $47.6M | — | ||
| Q2 25 | $13.0M | — | ||
| Q1 25 | $24.3M | — | ||
| Q4 24 | $95.7M | — | ||
| Q3 24 | $47.1M | — | ||
| Q2 24 | $19.9M | — |
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | — | ||
| Q3 25 | 44.4% | — | ||
| Q2 25 | 12.3% | — | ||
| Q1 25 | 25.3% | — | ||
| Q4 24 | 97.0% | — | ||
| Q3 24 | 47.9% | — | ||
| Q2 24 | 20.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 2.1% | — | ||
| Q4 24 | 5.5% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 1.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | 3.92× | ||
| Q3 25 | 2.13× | 1.71× | ||
| Q2 25 | 0.57× | 2.47× | ||
| Q1 25 | 1.12× | 2.61× | ||
| Q4 24 | 6.18× | 1.81× | ||
| Q3 24 | 2.15× | 1.39× | ||
| Q2 24 | 0.85× | 2.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
