38.16 USD
-0.62 (-1.6%)
38.16 USD
0 (0%)
FSUN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of FSUN have multiple concerns. FSUN is growing strongly while it is still valued neutral. This is a good 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 66.06% of the companies in the same industry.
- FSUN has a Return On Equity (7.94%) which is in line with its industry peers.
| 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
- FSUN's Profit Margin of 21.94% is on the low side compared to the rest of the industry. FSUN is outperformed by 60.31% of 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 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.
- Compared to 1 year ago, FSUN has more shares outstanding
- Compared to 1 year ago, FSUN has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of FSUN is 0.98, which is an excellent value as it means it would take FSUN, only 0.98 years of fcf income to pay off all of its debts.
- FSUN's Debt to FCF ratio of 0.98 is fine compared to the rest of the industry. FSUN outperforms 67.36% of its industry peers.
- 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 74.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.32%
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.
- Looking at the last year, FSUN shows a quite strong growth in Revenue. The Revenue has grown by 8.07% in the last 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)3.41%
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
- The Earnings Per Share is expected to grow by 15.93% on average over the next years. This is quite good.
- Based on estimates for the next years, FSUN will show a very strong growth in Revenue. The Revenue will grow by 26.51% on average per year.
EPS Next Y13.81%
EPS Next 2Y5.65%
EPS Next 3Y15.93%
EPS Next 5YN/A
Revenue Next Year7.37%
Revenue Next 2Y32.09%
Revenue Next 3Y26.51%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.09 indicates a reasonable valuation of FSUN.
- FSUN's Price/Earnings ratio is a bit cheaper when compared to the industry. FSUN is cheaper than 67.89% of the companies in the same industry.
- FSUN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.94.
- With a Price/Forward Earnings ratio of 11.12, the valuation of FSUN can be described as very 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 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 11.12 |
4.2 Price Multiples
- FSUN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.13 | ||
| 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.
- A more expensive valuation may be justified as FSUN's earnings are expected to grow with 15.93% in the coming years.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y5.65%
EPS Next 3Y15.93%
5. Dividend
5.1 Amount
- FSUN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
38.16
-0.62 (-1.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-26 2026-01-26
Inst Owners33.29%
Inst Owner Change0.04%
Ins Owners37.2%
Ins Owner Change0.36%
Market Cap1.06B
Revenue(TTM)407.75M
Net Income(TTM)89.48M
Analysts84
Price Target45.9 (20.28%)
Short Float %7.7%
Short Ratio7.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)4.05%
PT rev (3m)4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 11.12 | ||
| P/S | 2.61 | ||
| P/FCF | 12.13 | ||
| P/OCF | 11.12 | ||
| P/B | 0.94 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.44
EY9.01%
EPS(NY)3.43
Fwd EY9%
FCF(TTM)3.14
FCFY8.24%
OCF(TTM)3.43
OCFY8.99%
SpS14.63
BVpS40.44
TBVpS33.81
PEG (NY)0.8
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
WACC7.32%
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 Y13.81%
EPS Next 2Y5.65%
EPS Next 3Y15.93%
EPS Next 5YN/A
Revenue 1Y (TTM)8.07%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%9.22%
Revenue Next Year7.37%
Revenue Next 2Y32.09%
Revenue Next 3Y26.51%
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.
What is the valuation status of FIRSTSUN CAPITAL BANCORP (FSUN) stock?
ChartMill assigns a valuation rating of 5 / 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 PE and PB ratios for FSUN stock?
The Price/Earnings (PE) ratio for FIRSTSUN CAPITAL BANCORP (FSUN) is 11.09 and the Price/Book (PB) ratio is 0.94.