33.43 USD
-0.48 (-1.42%)
33.43 USD
0 (0%)
Overall FSUN gets a fundamental rating of 4 out of 10. We evaluated FSUN against 387 industry peers in the Banks industry. Both the profitability and financial health of FSUN have multiple concerns. FSUN is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
1.2 Ratios
With a decent Return On Assets value of 1.05%, FSUN is doing good in the industry, outperforming 65.89% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.94%, FSUN is in line with its industry, outperforming 41.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 7.94% | ||
| 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
1.3 Margins
The Profit Margin of FSUN (21.94%) is comparable to the rest of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.94% | ||
| 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
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.
Compared to 1 year ago, FSUN has an improved debt to assets ratio.
2.2 Solvency
FSUN has a debt to FCF ratio of 0.98. This is a very positive value and a sign of high solvency as it would only need 0.98 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.98, FSUN is doing good in the industry, outperforming 67.70% 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.
FSUN has a better Debt to Equity ratio (0.08) than 74.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FSUN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.41%.
Measured over the past years, FSUN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.76% on average per year.
FSUN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.07%.
The Revenue has been growing by 11.43% on average over the past years. This is quite good.
EPS 1Y (TTM)3.41%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%3.8%
Revenue 1Y (TTM)8.07%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.22%
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 12.80% on average per year.
FSUN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.84% yearly.
EPS Next Y16.06%
EPS Next 2Y8.58%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue Next Year6.81%
Revenue Next 2Y13.57%
Revenue Next 3Y26.84%
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 stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.72 indicates a reasonable valuation of FSUN.
Based on the Price/Earnings ratio, FSUN is valued a bit cheaper than the industry average as 78.55% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FSUN to the average of the S&P500 Index (26.31), we can say FSUN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.22, which indicates a very decent valuation of FSUN.
Based on the Price/Forward Earnings ratio, FSUN is valued a bit cheaper than the industry average as 64.60% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FSUN to the average of the S&P500 Index (36.59), we can say FSUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.22 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FSUN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.63 | ||
| EV/EBITDA | N/A |
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 12.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y8.58%
EPS Next 3Y12.8%
5. Dividend
5.1 Amount
No dividends for FSUN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
33.43
-0.48 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.21%
Inst Owner Change3.06%
Ins Owners37.26%
Ins Owner Change0.3%
Market Cap932.03M
Revenue(TTM)407.75M
Net Income(TTM)89.48M
Analysts84
Price Target44.12 (31.98%)
Short Float %6.68%
Short Ratio4.96
Dividend
| Industry Rank | Sector 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)-3.35%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0.89%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)0.23%
EPS NY rev (3m)-0.95%
Revenue NQ rev (1m)0.54%
Revenue NQ rev (3m)0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.22 | ||
| P/S | 2.29 | ||
| P/FCF | 10.63 | ||
| P/OCF | 9.74 | ||
| P/B | 0.83 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.44
EY10.29%
EPS(NY)3.63
Fwd EY10.84%
FCF(TTM)3.14
FCFY9.41%
OCF(TTM)3.43
OCFY10.27%
SpS14.63
BVpS40.44
TBVpS33.81
PEG (NY)0.61
PEG (5Y)N/A
Graham Number55.95
Profitability
| Industry Rank | Sector 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)1.01%
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
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 3Y8.19%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector 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%
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)3.41%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%3.8%
EPS Next Y16.06%
EPS Next 2Y8.58%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue 1Y (TTM)8.07%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.22%
Revenue Next Year6.81%
Revenue Next 2Y13.57%
Revenue Next 3Y26.84%
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
FIRSTSUN CAPITAL BANCORP / FSUN FAQ
Can you provide the ChartMill fundamental rating for FIRSTSUN CAPITAL BANCORP?
ChartMill assigns a fundamental rating of 4 / 10 to FSUN.
Can you provide the valuation status for FIRSTSUN CAPITAL BANCORP?
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 2 / 10.
Can you provide the expected EPS growth for FSUN stock?
The Earnings per Share (EPS) of FIRSTSUN CAPITAL BANCORP (FSUN) is expected to grow by 16.06% in the next year.