Logo image of FSUN

FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

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

33.33  +0.03 (+0.09%)

After market: 33.33 0 (0%)

Fundamental Rating

3

FSUN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. FSUN may be in some trouble as it scores bad on both profitability and health. FSUN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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

FSUN has a better Return On Assets (1.06%) than 69.11% of its industry peers.
FSUN has a Return On Equity of 8.13%. This is comparable to the rest of the industry: FSUN outperforms 48.61% of its industry peers.
Industry RankSector Rank
ROA 1.06%
ROE 8.13%
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

With a Profit Margin value of 22.32%, FSUN perfoms like the industry average, outperforming 43.54% 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) 22.32%
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

More info and screens

3

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.
FSUN has a better debt/assets ratio than last year.
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 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.90, FSUN is in the better half of the industry, outperforming 76.20% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that FSUN is not too dependend on debt financing.
FSUN has a Debt to Equity ratio of 0.08. This is in the better half of the industry: FSUN outperforms 75.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC7.68%
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

More info and screens

4

3. Growth

3.1 Past

FSUN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.93%.
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 a small growth in Revenue. In the last year, the Revenue has grown by 3.81%.
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)-33.93%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%87.19%
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%2.77%

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 10.10% yearly.
Based on estimates for the next years, FSUN will show a small growth in Revenue. The Revenue will grow by 6.65% on average per year.
EPS Next Y17.1%
EPS Next 2Y10.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.55%
Revenue Next 2Y6.65%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.82, which indicates a very decent valuation of FSUN.
FSUN's Price/Earnings ratio is a bit cheaper when compared to the industry. FSUN is cheaper than 60.51% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, FSUN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.94, the valuation of FSUN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FSUN is on the same level as its industry peers.
FSUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.82
Fwd PE 8.94
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FSUN is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.87
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)0.63
PEG (5Y)N/A
EPS Next 2Y10.1%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (6/18/2025, 8:00:00 PM)

After market: 33.33 0 (0%)

33.33

+0.03 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)N/A N/A
Inst Owners29.23%
Inst Owner Change25.25%
Ins Owners37.28%
Ins Owner Change1.37%
Market Cap927.57M
Analysts84
Price Target44.63 (33.9%)
Short Float %1.37%
Short Ratio1.98
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)2.17%
Min EPS beat(2)2.14%
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)-5.97%
Min Revenue beat(2)-6.76%
Max Revenue beat(2)-5.17%
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)-8.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.13%
Revenue NQ rev (1m)-0.32%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 10.82
Fwd PE 8.94
P/S 2.38
P/FCF 9.87
P/OCF 9.24
P/B 0.87
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)3.08
EY9.24%
EPS(NY)3.73
Fwd EY11.19%
FCF(TTM)3.38
FCFY10.13%
OCF(TTM)3.61
OCFY10.82%
SpS13.99
BVpS38.39
TBVpS31.8
PEG (NY)0.63
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 8.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.32%
GM N/A
FCFM 24.14%
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-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr 62.81%
Cap/Sales 1.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.68%
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%87.19%
EPS Next Y17.1%
EPS Next 2Y10.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%2.77%
Revenue Next Year6.55%
Revenue Next 2Y6.65%
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