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FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

USA - NASDAQ:FSUN - US33767U1079 - Common Stock

39.37 USD
+0.51 (+1.31%)
Last: 10/3/2025, 8:00:01 PM
39.37 USD
0 (0%)
After Hours: 10/3/2025, 8:00:01 PM
Fundamental Rating

3

FSUN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FSUN has a bad profitability rating. Also its financial health evaluation is rather negative. FSUN is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FSUN was profitable.
In the past year FSUN had a positive cash flow from operations.
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 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.05%, FSUN is in the better half of the industry, outperforming 70.41% of the companies in the same industry.
The Return On Equity of FSUN (8.10%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.05%
ROE 8.1%
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
FSUN Yearly ROA, ROE, ROICFSUN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FSUN has a Profit Margin of 22.25%. This is comparable to the rest of the industry: FSUN outperforms 42.86% of its industry peers.
In the last couple of years the Profit Margin of FSUN has grown nicely.
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) 22.25%
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
FSUN Yearly Profit, Operating, Gross MarginsFSUN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

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 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 2B 4B 6B 8B

2.2 Solvency

FSUN has a debt to FCF ratio of 1.00. This is a very positive value and a sign of high solvency as it would only need 1.00 years to pay back of all of its debts.
FSUN's Debt to FCF ratio of 1.00 is fine compared to the rest of the industry. FSUN outperforms 69.64% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FSUN is not too dependend on debt financing.
FSUN's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. FSUN outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1
Altman-Z N/A
ROIC/WACCN/A
WACC7.27%
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 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 50M 100M 150M

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4

3. Growth

3.1 Past

FSUN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.69%.
FSUN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.76% yearly.
Looking at the last year, FSUN shows a small growth in Revenue. The Revenue has grown by 7.43% in the last year.
FSUN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.43% yearly.
EPS 1Y (TTM)-3.69%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%6.68%
Revenue 1Y (TTM)7.43%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.77%

3.2 Future

Based on estimates for the next years, FSUN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.73% on average per year.
Based on estimates for the next years, FSUN will show a small growth in Revenue. The Revenue will grow by 6.34% on average per year.
EPS Next Y15.68%
EPS Next 2Y8.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.81%
Revenue Next 2Y6.34%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FSUN Yearly Revenue VS EstimatesFSUN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
FSUN Yearly EPS VS EstimatesFSUN Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.55, which indicates a very decent valuation of FSUN.
Compared to the rest of the industry, the Price/Earnings ratio of FSUN indicates a somewhat cheap valuation: FSUN is cheaper than 62.24% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.86, FSUN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.83, the valuation of FSUN can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FSUN.
FSUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.55
Fwd PE 10.83
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.58
EV/EBITDA N/A
FSUN Per share dataFSUN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y8.73%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for FSUN!.
Industry RankSector Rank
Dividend Yield N/A

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FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (10/3/2025, 8:00:01 PM)

After market: 39.37 0 (0%)

39.37

+0.51 (+1.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-23 2025-10-23
Inst Owners33.21%
Inst Owner Change0%
Ins Owners37.26%
Ins Owner Change0.62%
Market Cap1.10B
Analysts84
Price Target44.12 (12.07%)
Short Float %7.02%
Short Ratio5.83
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)2
Avg EPS beat(2)2.44%
Min EPS beat(2)2.14%
Max EPS beat(2)2.73%
EPS beat(4)3
Avg EPS beat(4)-0.72%
Min EPS beat(4)-9.94%
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)-2.54%
Min Revenue beat(2)-5.17%
Max Revenue beat(2)0.09%
Revenue beat(4)1
Avg Revenue beat(4)-3.19%
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)0%
PT rev (3m)-1.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 11.55
Fwd PE 10.83
P/S 2.75
P/FCF 12.58
P/OCF 11.6
P/B 1
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)3.41
EY8.66%
EPS(NY)3.64
Fwd EY9.23%
FCF(TTM)3.13
FCFY7.95%
OCF(TTM)3.39
OCFY8.62%
SpS14.32
BVpS39.35
TBVpS32.72
PEG (NY)0.74
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 8.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.25%
GM N/A
FCFM 21.85%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1
Debt/EBITDA N/A
Cap/Depr 70.57%
Cap/Sales 1.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.27%
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)-3.69%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%6.68%
EPS Next Y15.68%
EPS Next 2Y8.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.43%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.77%
Revenue Next Year6.81%
Revenue Next 2Y6.34%
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-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