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FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

NASDAQ:FSUN - Nasdaq - US33767U1079 - Common Stock - Currency: USD

36  +0.18 (+0.5%)

Fundamental Rating

3

Taking everything into account, FSUN scores 3 out of 10 in our fundamental rating. FSUN was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of FSUN have multiple concerns. 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

FSUN had positive earnings in the past year.
FSUN had a positive operating cash flow in the past year.
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

FSUN's Return On Assets of 0.93% is fine compared to the rest of the industry. FSUN outperforms 61.21% of its industry peers.
FSUN's Return On Equity of 7.26% is on the low side compared to the rest of the industry. FSUN is outperformed by 60.45% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 7.26%
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

Looking at the Profit Margin, with a value of 19.56%, FSUN is doing worse than 63.73% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 19.56%
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

The Debt to FCF ratio of FSUN is 0.95, which is an excellent value as it means it would take FSUN, only 0.95 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.95, FSUN is doing good in the industry, outperforming 74.56% of the companies in the same industry.
FSUN has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.09, FSUN is in the better half of the industry, outperforming 74.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC7.3%
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 strongly by -33.93% in the last 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.
Looking at the last year, FSUN shows a small growth in Revenue. The Revenue has grown by 3.81% in the last year.
The Revenue has been growing by 11.43% on average over the past years. This is quite good.
EPS 1Y (TTM)-33.93%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%-38.86%
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%5.09%

3.2 Future

FSUN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.87% yearly.
FSUN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.75% yearly.
EPS Next Y17.3%
EPS Next 2Y11.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.35%
Revenue Next 2Y7.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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

A Price/Earnings ratio of 13.38 indicates a correct valuation of FSUN.
Compared to the rest of the industry, the Price/Earnings ratio of FSUN is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 28.18, FSUN is valued rather cheaply.
A Price/Forward Earnings ratio of 9.98 indicates a reasonable valuation of FSUN.
FSUN's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FSUN to the average of the S&P500 Index (20.81), we can say FSUN is valued rather cheaply.
Industry RankSector Rank
PE 13.38
Fwd PE 9.98
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 10.44
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

FSUN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y11.87%
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 (5/5/2025, 12:57:51 PM)

36

+0.18 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)N/A N/A
Inst Owners23.65%
Inst Owner Change-1.88%
Ins Owners37.08%
Ins Owner Change1.22%
Market Cap999.00M
Analysts82.22
Price Target48.96 (36%)
Short Float %1.4%
Short Ratio1.57
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)1
Avg EPS beat(2)-3.87%
Min EPS beat(2)-9.94%
Max EPS beat(2)2.2%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)0
Avg Revenue beat(2)-3.84%
Min Revenue beat(2)-6.76%
Max Revenue beat(2)-0.92%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.84%
Valuation
Industry RankSector Rank
PE 13.38
Fwd PE 9.98
P/S 2.58
P/FCF 10.44
P/OCF 9.88
P/B 0.96
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.69
EY7.47%
EPS(NY)3.61
Fwd EY10.02%
FCF(TTM)3.45
FCFY9.58%
OCF(TTM)3.64
OCFY10.12%
SpS13.94
BVpS37.53
TBVpS30.85
PEG (NY)0.77
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 7.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.56%
GM N/A
FCFM 24.75%
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 0.09
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 53.35%
Cap/Sales 1.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.3%
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)-33.93%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%-38.86%
EPS Next Y17.3%
EPS Next 2Y11.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%5.09%
Revenue Next Year7.35%
Revenue Next 2Y7.75%
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 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