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Side-by-side financial comparison of FIRSTSUN CAPITAL BANCORP (FSUN) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
FIRSTSUN CAPITAL BANCORP is the larger business by last-quarter revenue ($110.0M vs $78.6M, roughly 1.4× Repay Holdings Corp). FIRSTSUN CAPITAL BANCORP runs the higher net margin — 19.6% vs -178.3%, a 197.9% gap on every dollar of revenue. Over the past eight quarters, FIRSTSUN CAPITAL BANCORP's revenue compounded faster (6.9% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
FSUN vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $110.0M | $78.6M |
| Net Profit | $21.6M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 19.6% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | -8.4% | -3304.1% |
| EPS (diluted) | $0.76 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $107.3M | $77.7M | ||
| Q2 25 | $105.6M | $75.6M | ||
| Q1 25 | $96.2M | $77.3M | ||
| Q4 24 | $98.7M | $78.3M | ||
| Q3 24 | $98.2M | $79.1M | ||
| Q2 24 | $96.2M | $74.9M |
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $-140.1M | ||
| Q3 25 | $23.2M | $-6.4M | ||
| Q2 25 | $26.4M | $-102.3M | ||
| Q1 25 | $23.6M | $-7.9M | ||
| Q4 24 | $16.4M | $-4.1M | ||
| Q3 24 | $22.4M | $3.2M | ||
| Q2 24 | $24.6M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | -182.2% | ||
| Q3 25 | 26.4% | -3.9% | ||
| Q2 25 | 31.2% | -138.7% | ||
| Q1 25 | 30.9% | -4.7% | ||
| Q4 24 | 20.4% | -1.5% | ||
| Q3 24 | 29.1% | -0.9% | ||
| Q2 24 | 32.3% | -4.6% |
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | -178.3% | ||
| Q3 25 | 21.6% | -8.3% | ||
| Q2 25 | 25.0% | -135.2% | ||
| Q1 25 | 24.5% | -10.3% | ||
| Q4 24 | 16.6% | -5.3% | ||
| Q3 24 | 22.8% | 4.1% | ||
| Q2 24 | 25.5% | -5.4% |
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.93 | $-1.15 | ||
| Q1 25 | $0.83 | $-0.09 | ||
| Q4 24 | $0.57 | $-0.04 | ||
| Q3 24 | $0.79 | $0.03 | ||
| Q2 24 | $0.88 | $-0.04 |
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 | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.2B | $484.4M |
| Total Assets | $8.6B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $115.7M | ||
| Q3 25 | $659.9M | $95.7M | ||
| Q2 25 | $785.1M | $162.6M | ||
| Q1 25 | $621.4M | $165.5M | ||
| Q4 24 | $615.9M | $189.5M | ||
| Q3 24 | $573.7M | $168.7M | ||
| Q2 24 | $535.8M | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.1B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.0B | $761.3M | ||
| Q3 24 | $1.0B | $754.7M | ||
| Q2 24 | $996.6M | $815.4M |
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $1.2B | ||
| Q3 25 | $8.5B | $1.3B | ||
| Q2 25 | $8.4B | $1.4B | ||
| Q1 25 | $8.2B | $1.5B | ||
| Q4 24 | $8.1B | $1.6B | ||
| Q3 24 | $8.1B | $1.6B | ||
| Q2 24 | $8.0B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $23.3M | ||
| Q3 25 | $49.4M | $32.2M | ||
| Q2 25 | $15.0M | $33.1M | ||
| Q1 25 | $26.4M | $2.5M | ||
| Q4 24 | $101.1M | $34.3M | ||
| Q3 24 | $48.1M | $60.1M | ||
| Q2 24 | $20.9M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | $23.2M | ||
| Q3 25 | $47.6M | $32.1M | ||
| Q2 25 | $13.0M | $33.0M | ||
| Q1 25 | $24.3M | $2.4M | ||
| Q4 24 | $95.7M | $34.0M | ||
| Q3 24 | $47.1M | $59.8M | ||
| Q2 24 | $19.9M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | 29.6% | ||
| Q3 25 | 44.4% | 41.3% | ||
| Q2 25 | 12.3% | 43.6% | ||
| Q1 25 | 25.3% | 3.0% | ||
| Q4 24 | 97.0% | 43.5% | ||
| Q3 24 | 47.9% | 75.6% | ||
| Q2 24 | 20.6% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.1% | ||
| Q3 25 | 1.6% | 0.2% | ||
| Q2 25 | 1.9% | 0.1% | ||
| Q1 25 | 2.1% | 0.2% | ||
| Q4 24 | 5.5% | 0.3% | ||
| Q3 24 | 1.1% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | — | ||
| Q3 25 | 2.13× | — | ||
| Q2 25 | 0.57× | — | ||
| Q1 25 | 1.12× | — | ||
| Q4 24 | 6.18× | — | ||
| Q3 24 | 2.15× | 18.52× | ||
| Q2 24 | 0.85× | — |
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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
