FIRSTSUN CAPITAL BANCORP (FSUN) Fundamental Analysis & Valuation

NASDAQ:FSUN • US33767U1079

Current stock price

35.48 USD
-1.83 (-4.9%)
At close:
35.48 USD
0 (0%)
After Hours:

This FSUN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FSUN Profitability Analysis

1.1 Basic Checks

  • In the past year FSUN was profitable.
  • FSUN had a positive operating cash flow in the past year.
  • FSUN had positive earnings in each of the past 5 years.
  • Each year in the past 5 years FSUN had a positive operating cash flow.
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

  • FSUN's Return On Assets of 1.15% is fine compared to the rest of the industry. FSUN outperforms 68.62% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.49%, FSUN is doing worse than 60.37% of the companies in the same industry.
Industry RankSector Rank
ROA 1.15%
ROE 8.49%
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 23.36% is on the low side compared to the rest of the industry. FSUN is outperformed by 61.17% of its industry peers.
  • FSUN's Profit Margin has improved in the last couple of years.
  • FSUN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.36%
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

4

2. FSUN Health Analysis

2.1 Basic Checks

  • FSUN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FSUN has more shares outstanding
  • Compared to 1 year ago, FSUN has an improved debt to assets ratio.
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

  • FSUN has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.46, FSUN belongs to the best of the industry, outperforming 81.38% of the companies in the same industry.
  • A Debt/Equity ratio of 0.04 indicates that FSUN is not too dependend on debt financing.
  • The Debt to Equity ratio of FSUN (0.04) is better than 82.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACCN/A
WACC8.53%
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. FSUN Growth Analysis

3.1 Past

  • FSUN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.66%, which is quite impressive.
  • Measured over the past years, FSUN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.77% on average per year.
  • FSUN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.42%.
  • 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)28.66%
EPS 3Y11.77%
EPS 5YN/A
EPS Q2Q%1.2%
Revenue 1Y (TTM)8.42%
Revenue growth 3Y8.18%
Revenue growth 5YN/A
Sales Q2Q%15.53%

3.2 Future

  • Based on estimates for the next years, FSUN will show a very strong growth in Earnings Per Share. The EPS will grow by 20.06% on average per year.
  • FSUN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 37.75% yearly.
EPS Next Y16.29%
EPS Next 2Y20.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year65.49%
Revenue Next 2Y37.75%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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. FSUN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.02, which indicates a very decent valuation of FSUN.
  • 78.46% 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 26.54.
  • With a Price/Forward Earnings ratio of 6.97, the valuation of FSUN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, FSUN is valued cheaply inside the industry as 92.55% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FSUN to the average of the S&P500 Index (21.68), we can say FSUN is valued rather cheaply.
Industry RankSector Rank
PE 10.02
Fwd PE 6.97
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

  • FSUN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.08
EV/EBITDA N/A
FSUN Per share dataFSUN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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 20.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
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. FSUN Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

FSUN Fundamentals: All Metrics, Ratios and Statistics

FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (4/29/2026, 8:17:44 PM)

After market: 35.48 0 (0%)

35.48

-1.83 (-4.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners34.28%
Inst Owner Change0.64%
Ins Owners33.6%
Ins Owner Change3.14%
Market Cap1.46B
Revenue(TTM)419.27M
Net Income(TTM)97.94M
Analysts84
Price Target46.41 (30.81%)
Short Float %5.03%
Short Ratio6.15
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)0.29%
Min EPS beat(2)-9.44%
Max EPS beat(2)10.03%
EPS beat(4)3
Avg EPS beat(4)1.36%
Min EPS beat(4)-9.44%
Max EPS beat(4)10.03%
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)-0.51%
Min Revenue beat(2)-1.43%
Max Revenue beat(2)0.41%
Revenue beat(4)2
Avg Revenue beat(4)-1.53%
Min Revenue beat(4)-5.17%
Max Revenue beat(4)0.41%
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)-1.09%
PT rev (3m)1.11%
EPS NQ rev (1m)-0.71%
EPS NQ rev (3m)10.48%
EPS NY rev (1m)0%
EPS NY rev (3m)19.59%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)2.69%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 10.02
Fwd PE 6.97
P/S 3.49
P/FCF 14.08
P/OCF 13.13
P/B 1.27
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.54
EY9.98%
EPS(NY)5.09
Fwd EY14.34%
FCF(TTM)2.52
FCFY7.1%
OCF(TTM)2.7
OCFY7.62%
SpS10.16
BVpS27.95
TBVpS23.47
PEG (NY)0.62
PEG (5Y)N/A
Graham Number47.1857 (32.99%)
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 8.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.36%
GM N/A
FCFM 24.8%
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-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.46
Debt/EBITDA N/A
Cap/Depr 70.44%
Cap/Sales 1.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.53%
ROIC/WACCN/A
Cap/Depr(3y)52.89%
Cap/Depr(5y)44.78%
Cap/Sales(3y)1.45%
Cap/Sales(5y)1.25%
Profit Quality(3y)116.5%
Profit Quality(5y)152.72%
High Growth Momentum
Growth
EPS 1Y (TTM)28.66%
EPS 3Y11.77%
EPS 5YN/A
EPS Q2Q%1.2%
EPS Next Y16.29%
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%15.53%
Revenue Next Year65.49%
Revenue Next 2Y37.75%
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 1Y8.64%
FCF growth 3Y3.16%
FCF growth 5YN/A
OCF growth 1Y10.25%
OCF growth 3Y4.78%
OCF growth 5YN/A

FIRSTSUN CAPITAL BANCORP / FSUN Fundamental Analysis 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 for FSUN stock?

ChartMill assigns a valuation rating of 6 / 10 to FIRSTSUN CAPITAL BANCORP (FSUN). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRSTSUN CAPITAL BANCORP?

FIRSTSUN CAPITAL BANCORP (FSUN) has a profitability rating of 3 / 10.


Can you provide the financial health for FSUN stock?

The financial health rating of FIRSTSUN CAPITAL BANCORP (FSUN) is 4 / 10.