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Side-by-side financial comparison of FIRSTSUN CAPITAL BANCORP (FSUN) and Exzeo Group, Inc. (XZO). Click either name above to swap in a different company.
FIRSTSUN CAPITAL BANCORP is the larger business by last-quarter revenue ($110.0M vs $55.5M, roughly 2.0× Exzeo Group, Inc.). Exzeo Group, Inc. runs the higher net margin — 36.7% vs 19.6%, a 17.1% gap on every dollar of revenue.
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.
Exzeo Group, Inc. is a global technology firm specializing in cloud-native SaaS solutions for the insurance industry. Its core product portfolio includes claims processing platforms, policy administration tools, and underwriting automation systems, serving insurance carriers, third-party administrators, and independent adjusters across North America and European markets.
FSUN vs XZO — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $110.0M | $55.5M |
| Net Profit | $21.6M | $20.4M |
| Gross Margin | — | 59.0% |
| Operating Margin | — | 45.2% |
| Net Margin | 19.6% | 36.7% |
| Revenue YoY | — | 6.0% |
| Net Profit YoY | -8.4% | 13.7% |
| EPS (diluted) | $0.76 | $0.22 |
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 | $55.5M | ||
| Q4 25 | $110.2M | $53.3M | ||
| Q3 25 | $107.3M | $55.2M | ||
| Q2 25 | $105.6M | — | ||
| Q1 25 | $96.2M | — | ||
| Q4 24 | $98.7M | — | ||
| Q3 24 | $98.2M | — | ||
| Q2 24 | $96.2M | — |
| Q1 26 | $21.6M | $20.4M | ||
| Q4 25 | $24.8M | $22.0M | ||
| Q3 25 | $23.2M | $21.2M | ||
| Q2 25 | $26.4M | — | ||
| Q1 25 | $23.6M | — | ||
| Q4 24 | $16.4M | — | ||
| Q3 24 | $22.4M | — | ||
| Q2 24 | $24.6M | — |
| Q1 26 | — | 59.0% | ||
| Q4 25 | — | 65.4% | ||
| Q3 25 | — | 61.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | 45.2% | ||
| Q4 25 | 29.0% | 50.3% | ||
| Q3 25 | 26.4% | 49.4% | ||
| Q2 25 | 31.2% | — | ||
| Q1 25 | 30.9% | — | ||
| Q4 24 | 20.4% | — | ||
| Q3 24 | 29.1% | — | ||
| Q2 24 | 32.3% | — |
| Q1 26 | 19.6% | 36.7% | ||
| Q4 25 | 22.5% | 41.2% | ||
| Q3 25 | 21.6% | 38.3% | ||
| Q2 25 | 25.0% | — | ||
| Q1 25 | 24.5% | — | ||
| Q4 24 | 16.6% | — | ||
| Q3 24 | 22.8% | — | ||
| Q2 24 | 25.5% | — |
| Q1 26 | $0.76 | $0.22 | ||
| Q4 25 | $0.89 | $0.25 | ||
| Q3 25 | $0.82 | $0.25 | ||
| Q2 25 | $0.93 | — | ||
| Q1 25 | $0.83 | — | ||
| Q4 24 | $0.57 | — | ||
| Q3 24 | $0.79 | — | ||
| Q2 24 | $0.88 | — |
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 | $231.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.2B | $274.9M |
| Total Assets | $8.6B | $379.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $413.7M | $231.4M | ||
| Q4 25 | $652.6M | $305.4M | ||
| Q3 25 | $659.9M | $140.9M | ||
| Q2 25 | $785.1M | — | ||
| Q1 25 | $621.4M | — | ||
| Q4 24 | $615.9M | — | ||
| Q3 24 | $573.7M | — | ||
| Q2 24 | $535.8M | — |
| Q1 26 | $1.2B | $274.9M | ||
| Q4 25 | $1.2B | $254.2M | ||
| Q3 25 | $1.1B | $78.4M | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $996.6M | — |
| Q1 26 | $8.6B | $379.8M | ||
| Q4 25 | $8.5B | $347.7M | ||
| Q3 25 | $8.5B | $182.3M | ||
| Q2 25 | $8.4B | — | ||
| Q1 25 | $8.2B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.0B | — |
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 | — | — |
| Free Cash FlowOCF − Capex | — | $25.1M |
| FCF MarginFCF / Revenue | — | 45.3% |
| Capex IntensityCapex / Revenue | — | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | — | ||
| Q3 25 | $49.4M | $89.0M | ||
| Q2 25 | $15.0M | — | ||
| Q1 25 | $26.4M | — | ||
| Q4 24 | $101.1M | — | ||
| Q3 24 | $48.1M | — | ||
| Q2 24 | $20.9M | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | $104.0M | $97.5M | ||
| Q3 25 | $47.6M | $86.6M | ||
| Q2 25 | $13.0M | — | ||
| Q1 25 | $24.3M | — | ||
| Q4 24 | $95.7M | — | ||
| Q3 24 | $47.1M | — | ||
| Q2 24 | $19.9M | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | 94.3% | 182.8% | ||
| Q3 25 | 44.4% | 156.9% | ||
| Q2 25 | 12.3% | — | ||
| Q1 25 | 25.3% | — | ||
| Q4 24 | 97.0% | — | ||
| Q3 24 | 47.9% | — | ||
| Q2 24 | 20.6% | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | 6.8% | 5.3% | ||
| Q3 25 | 1.6% | 4.4% | ||
| 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× | — | ||
| Q3 25 | 2.13× | 4.21× | ||
| Q2 25 | 0.57× | — | ||
| Q1 25 | 1.12× | — | ||
| Q4 24 | 6.18× | — | ||
| Q3 24 | 2.15× | — | ||
| 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% |
XZO
Segment breakdown not available.
