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FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

NASDAQ:FSUN - US33767U1079 - Common Stock

38.43 USD
+0.2 (+0.51%)
Last: 9/9/2025, 4:30:00 PM
38.43 USD
0 (0%)
After Hours: 9/9/2025, 4:30:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FSUN. FSUN was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of FSUN have multiple concerns. FSUN has a correct valuation and a medium 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

The Return On Assets of FSUN (1.05%) is better than 70.33% of its industry peers.
With a Return On Equity value of 8.10%, FSUN perfoms like the industry average, outperforming 48.34% of the companies in the same 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 (22.25%) which is in line with 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) 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.
FSUN has more shares outstanding than it did 1 year ago.
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.
With a decent Debt to FCF ratio value of 1.00, FSUN is doing good in the industry, outperforming 71.10% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that FSUN is not too dependend on debt financing.
The Debt to Equity ratio of FSUN (0.08) is better than 74.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1
Altman-Z N/A
ROIC/WACCN/A
WACC7.18%
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

The earnings per share for FSUN have decreased by -3.69% in the last year.
The Earnings Per Share has been growing by 15.76% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.43% in the past year.
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)-3.69%
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.
FSUN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.34% yearly.
EPS Next Y15.68%
EPS Next 2Y8.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.8%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 11.27, which indicates a very decent valuation of FSUN.
68.80% of the companies in the same industry are more expensive than FSUN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FSUN to the average of the S&P500 Index (27.07), we can say FSUN is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.57, the valuation of FSUN can be described as very reasonable.
FSUN's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FSUN to the average of the S&P500 Index (22.59), we can say FSUN is valued rather cheaply.
Industry RankSector Rank
PE 11.27
Fwd PE 10.57
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 12.28
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)0.72
PEG (5Y)N/A
EPS Next 2Y8.73%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FSUN does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (9/9/2025, 4:30:00 PM)

After market: 38.43 0 (0%)

38.43

+0.2 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-27 2025-10-27
Inst Owners29.65%
Inst Owner Change12.71%
Ins Owners37.26%
Ins Owner Change1.37%
Market Cap1.07B
Analysts84
Price Target44.12 (14.81%)
Short Float %6.89%
Short Ratio4.83
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)-0.28%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-1.27%
EPS NY rev (3m)-1.21%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 11.27
Fwd PE 10.57
P/S 2.68
P/FCF 12.28
P/OCF 11.33
P/B 0.98
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)3.41
EY8.87%
EPS(NY)3.64
Fwd EY9.46%
FCF(TTM)3.13
FCFY8.14%
OCF(TTM)3.39
OCFY8.83%
SpS14.32
BVpS39.35
TBVpS32.72
PEG (NY)0.72
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
WACC7.18%
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 Year6.8%
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