FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

NASDAQ:FSUN • US33767U1079

38.87 USD
-0.19 (-0.49%)
Last: Feb 20, 2026, 10:07 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, FSUN scores 5 out of 10 in our fundamental rating. FSUN was compared to 381 industry peers in the Banks industry. FSUN may be in some trouble as it scores bad on both profitability and health. FSUN is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • FSUN had positive earnings in the past year.
  • In the past year FSUN had a positive cash flow from operations.
  • FSUN had positive earnings in each of the past 5 years.
  • FSUN had a positive operating cash flow in 4 of the past 5 years.
FSUN Yearly Net Income VS EBIT VS OCF VS FCFFSUN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of FSUN (1.05%) is better than 64.57% of its industry peers.
  • The Return On Equity of FSUN (7.94%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.05%
ROE 7.94%
ROIC N/A
ROA(3y)1.13%
ROA(5y)0.99%
ROE(3y)9.19%
ROE(5y)8.69%
ROIC(3y)N/A
ROIC(5y)N/A
FSUN Yearly ROA, ROE, ROICFSUN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FSUN's Profit Margin of 21.94% is on the low side compared to the rest of the industry. FSUN is outperformed by 60.63% of its industry peers.
  • In the last couple of years the Profit Margin of FSUN has grown nicely.
  • The Operating Margin and Gross Margin are not available for FSUN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FSUN Yearly Profit, Operating, Gross MarginsFSUN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FSUN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FSUN has been increased compared to 1 year ago.
  • FSUN has a better debt/assets ratio than last year.
FSUN Yearly Shares OutstandingFSUN Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
FSUN Yearly Total Debt VS Total AssetsFSUN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of FSUN is 0.98, which is an excellent value as it means it would take FSUN, only 0.98 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.98, FSUN is doing good in the industry, outperforming 67.45% of the companies in the same industry.
  • FSUN has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FSUN (0.08) is better than 73.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.98
Altman-Z N/A
ROIC/WACCN/A
WACC7.23%
FSUN Yearly LT Debt VS Equity VS FCFFSUN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FSUN Yearly Current Assets VS Current LiabilitesFSUN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • FSUN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.65%, which is quite impressive.
  • The Earnings Per Share has been growing by 11.77% on average over the past years. This is quite good.
  • Looking at the last year, FSUN shows a quite strong growth in Revenue. The Revenue has grown by 8.42% in the last year.
  • FSUN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.18% yearly.
EPS 1Y (TTM)28.65%
EPS 3Y11.77%
EPS 5YN/A
EPS Q2Q%10.47%
Revenue 1Y (TTM)8.42%
Revenue growth 3Y8.18%
Revenue growth 5YN/A
Sales Q2Q%17.45%

3.2 Future

  • FSUN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.06% yearly.
  • FSUN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 37.47% yearly.
EPS Next Y16.3%
EPS Next 2Y20.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year64.21%
Revenue Next 2Y37.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FSUN Yearly Revenue VS EstimatesFSUN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
FSUN Yearly EPS VS EstimatesFSUN Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.01, the valuation of FSUN can be described as reasonable.
  • Based on the Price/Earnings ratio, FSUN is valued a bit cheaper than the industry average as 71.92% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.09. FSUN is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.47, the valuation of FSUN can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FSUN indicates a somewhat cheap valuation: FSUN is cheaper than 76.12% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.98, FSUN is valued rather cheaply.
Industry RankSector Rank
PE 11.01
Fwd PE 9.47
FSUN Price Earnings VS Forward Price EarningsFSUN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FSUN.
Industry RankSector Rank
P/FCF 12.36
EV/EBITDA N/A
FSUN Per share dataFSUN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • A more expensive valuation may be justified as FSUN's earnings are expected to grow with 20.06% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y20.06%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • FSUN does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (2/20/2026, 10:07:01 AM)

38.87

-0.19 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners33.29%
Inst Owner Change-1.58%
Ins Owners37.2%
Ins Owner Change0.36%
Market Cap1.08B
Revenue(TTM)419.27M
Net Income(TTM)89.48M
Analysts84
Price Target46.92 (20.71%)
Short Float %8.95%
Short Ratio7.35
Dividend
Industry RankSector 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)2.22%
PT rev (3m)3.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)19.6%
EPS NY rev (3m)13.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)36.69%
Valuation
Industry RankSector Rank
PE 11.01
Fwd PE 9.47
P/S 2.66
P/FCF 12.36
P/OCF 11.33
P/B 0.96
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)3.53
EY9.08%
EPS(NY)4.11
Fwd EY10.56%
FCF(TTM)3.14
FCFY8.09%
OCF(TTM)3.43
OCFY8.83%
SpS14.62
BVpS40.43
TBVpS33.8
PEG (NY)0.68
PEG (5Y)N/A
Graham Number56.67
Profitability
Industry RankSector 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)1.13%
ROA(5y)0.99%
ROE(3y)9.19%
ROE(5y)8.69%
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 3Y9.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector 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
WACC7.23%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.65%
EPS 3Y11.77%
EPS 5YN/A
EPS Q2Q%10.47%
EPS Next Y16.3%
EPS Next 2Y20.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.42%
Revenue growth 3Y8.18%
Revenue growth 5YN/A
Sales Q2Q%17.45%
Revenue Next Year64.21%
Revenue Next 2Y37.47%
Revenue Next 3YN/A
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-33.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30.22%
OCF growth 3YN/A
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 5 / 10 to FSUN.


What is the valuation status of FIRSTSUN CAPITAL BANCORP (FSUN) stock?

ChartMill assigns a valuation rating of 6 / 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 3 / 10.


Can you provide the PE and PB ratios for FSUN stock?

The Price/Earnings (PE) ratio for FIRSTSUN CAPITAL BANCORP (FSUN) is 11.01 and the Price/Book (PB) ratio is 0.96.