38.54 USD
+0.08 (+0.21%)
38.54 USD
0 (0%)
FSUN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of FSUN have multiple concerns. FSUN is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
FSUN had positive earnings in the past year.
FSUN had a positive operating cash flow in the past year.
1.2 Ratios
With a decent Return On Assets value of 1.05%, FSUN is doing good in the industry, outperforming 65.46% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.94%, FSUN is in line with its industry, outperforming 41.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 7.94% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)N/A
ROE(3y)8.9%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FSUN (21.94%) is worse than 60.05% of its industry peers.
FSUN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FSUN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.94% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.19%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FSUN does not have a ROIC to compare to the WACC, probably because it is not profitable.
FSUN has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, FSUN has an improved debt to assets ratio.
2.2 Solvency
FSUN has a debt to FCF ratio of 0.98. This is a very positive value and a sign of high solvency as it would only need 0.98 years to pay back of all of its debts.
FSUN's Debt to FCF ratio of 0.98 is fine compared to the rest of the industry. FSUN outperforms 67.27% of its industry peers.
FSUN has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.08, FSUN is doing good in the industry, outperforming 73.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.41% over the past year.
FSUN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.76% yearly.
The Revenue has grown by 8.07% in the past year. This is quite good.
Measured over the past years, FSUN shows a quite strong growth in Revenue. The Revenue has been growing by 11.43% on average per year.
EPS 1Y (TTM)3.41%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%3.8%
Revenue 1Y (TTM)8.07%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.22%
3.2 Future
The Earnings Per Share is expected to grow by 15.98% on average over the next years. This is quite good.
FSUN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.51% yearly.
EPS Next Y13.81%
EPS Next 2Y5.65%
EPS Next 3Y15.98%
EPS Next 5YN/A
Revenue Next Year7.37%
Revenue Next 2Y32.09%
Revenue Next 3Y26.51%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.20, which indicates a very decent valuation of FSUN.
67.78% of the companies in the same industry are more expensive than FSUN, based on the Price/Earnings ratio.
FSUN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
A Price/Forward Earnings ratio of 11.23 indicates a reasonable valuation of FSUN.
FSUN's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.03. FSUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 11.23 |
4.2 Price Multiples
FSUN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FSUN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FSUN's earnings are expected to grow with 15.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y5.65%
EPS Next 3Y15.98%
5. Dividend
5.1 Amount
FSUN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
38.54
+0.08 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.19%
Inst Owner Change3.06%
Ins Owners37.2%
Ins Owner Change0.36%
Market Cap1.07B
Revenue(TTM)407.75M
Net Income(TTM)89.48M
Analysts84
Price Target45.9 (19.1%)
Short Float %8.72%
Short Ratio6.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.35%
Min EPS beat(2)-9.44%
Max EPS beat(2)2.73%
EPS beat(4)3
Avg EPS beat(4)-0.59%
Min EPS beat(4)-9.44%
Max EPS beat(4)2.73%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.67%
Min Revenue beat(2)-1.43%
Max Revenue beat(2)0.09%
Revenue beat(4)1
Avg Revenue beat(4)-3.32%
Min Revenue beat(4)-6.76%
Max Revenue beat(4)0.09%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.69%
PT rev (3m)4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)-1.94%
EPS NY rev (3m)-1.61%
Revenue NQ rev (1m)0.72%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 11.23 | ||
| P/S | 2.64 | ||
| P/FCF | 12.25 | ||
| P/OCF | 11.23 | ||
| P/B | 0.95 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.44
EY8.93%
EPS(NY)3.43
Fwd EY8.91%
FCF(TTM)3.14
FCFY8.16%
OCF(TTM)3.43
OCFY8.91%
SpS14.63
BVpS40.44
TBVpS33.81
PEG (NY)0.81
PEG (5Y)N/A
Graham Number55.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 7.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.94% | ||
| GM | N/A | ||
| FCFM | 21.5% |
ROA(3y)1.01%
ROA(5y)N/A
ROE(3y)8.9%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.19%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.98 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.04% | ||
| Cap/Sales | 1.97% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.26%
ROIC/WACCN/A
Cap/Depr(3y)35.86%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.07%
Cap/Sales(5y)N/A
Profit Quality(3y)134.46%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.41%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%3.8%
EPS Next Y13.81%
EPS Next 2Y5.65%
EPS Next 3Y15.98%
EPS Next 5YN/A
Revenue 1Y (TTM)8.07%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.22%
Revenue Next Year7.37%
Revenue Next 2Y32.09%
Revenue Next 3Y26.51%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.84%
FCF growth 3Y-4.43%
FCF growth 5YN/A
OCF growth 1Y-19.22%
OCF growth 3Y-3.67%
OCF growth 5YN/A
FIRSTSUN CAPITAL BANCORP / FSUN FAQ
Can you provide the ChartMill fundamental rating for FIRSTSUN CAPITAL BANCORP?
ChartMill assigns a fundamental rating of 4 / 10 to FSUN.
Can you provide the valuation status for FIRSTSUN CAPITAL BANCORP?
ChartMill assigns a valuation rating of 5 / 10 to FIRSTSUN CAPITAL BANCORP (FSUN). This can be considered as Fairly Valued.
How profitable is FIRSTSUN CAPITAL BANCORP (FSUN) stock?
FIRSTSUN CAPITAL BANCORP (FSUN) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for FSUN stock?
The Earnings per Share (EPS) of FIRSTSUN CAPITAL BANCORP (FSUN) is expected to grow by 13.81% in the next year.