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FirstSun Capital Bancorp (FSUN)
NASDAQ:FSUN
US Market
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FirstSun Capital Bancorp (FSUN) AI Stock Analysis

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FSUN

FirstSun Capital Bancorp

(NASDAQ:FSUN)

Rating:73Outperform
Price Target:
$41.00
▲(5.53%Upside)
FirstSun Capital Bancorp's overall stock score is driven by its strong financial performance, characterized by stable revenue growth, healthy margins, and efficient cash flow management. Technical analysis presents mixed signals with bearish momentum but also overbought indicators, while valuation remains reasonable. The absence of earnings call data and corporate events does not impact the score significantly.
Positive Factors
Asset Growth
FSUN is expected to cross $10 billion asset threshold through organic growth and opportunistic M&A.
Growth Strategy
FSUN operates an established C&I organic growth strategy focused in growth markets in Dallas, Houston, Phoenix, Denver and Southern California.
Index Inclusion
FSUN is eligible for R2K Index addition, which could lead to a significant amount of shares being bought during the reconstitution process.
Negative Factors
Economic Conditions
The C&I loan portfolio represents a considerable portion of the loan portfolio and is consequently adverse to a downturn in economic conditions.

FirstSun Capital Bancorp (FSUN) vs. SPDR S&P 500 ETF (SPY)

FirstSun Capital Bancorp Business Overview & Revenue Model

Company DescriptionFirstSun Capital Bancorp operates as a bank holding company for Sunflower Bank that provides a range of commercial and consumer banking, and financial services to small and medium-sized companies. The company offers deposit products, including noninterest bearing accounts, interest-bearing demand products, checking and savings accounts, money market and term certificate accounts, and certificates of deposit. It also provides commercial and industrial, owner-occupied and non-owner occupied commercial real estate mortgage, 1-4 family, home equity, and multi-family loans, as well as consumer loans comprising direct consumer installment loans, credit card accounts, overdrafts, and other revolving loans. In addition, it provides remote deposit and cash management products; treasury management products and services; and wealth management and trust products, including personal trust and agency accounts, employee benefit and retirement related trust and agency accounts, investment management and advisory agency accounts, and foundation and endowment trust and agency accounts. It provides its services through branches in Kansas, Colorado, New Mexico, Texas, and Arizona. The company was formerly known as Sunflower Financial, Inc. and changed its name to FirstSun Capital Bancorp in June 2017. FirstSun Capital Bancorp was founded in 1892 and is headquartered in Denver, Colorado.
How the Company Makes MoneyFirstSun Capital Bancorp generates revenue primarily through interest income from loans and mortgages provided to individuals and businesses. The company also earns money from non-interest income sources such as fees from account maintenance, transaction services, and financial advisory services. Additionally, FSUN benefits from wealth management and investment services, which contribute to its revenue through advisory fees and commissions. Key partnerships with other financial institutions and technology providers enhance its service offerings and operational efficiency, further supporting its revenue streams.

FirstSun Capital Bancorp Financial Statement Overview

Summary
FirstSun Capital Bancorp exhibits solid financial health with strong income, balance sheet stability, and robust cash flow management. The company shows consistent revenue growth, healthy profit margins, low leverage, and efficient cash flow generation. Minor fluctuations in some metrics do not significantly impact the overall positive financial trajectory.
Income Statement
85
Very Positive
FirstSun Capital Bancorp shows a strong financial performance with consistent revenue growth over the years. The TTM figures indicate a slight decrease in total revenue compared to the previous year. Gross profit margin and net profit margin are healthy, reflecting effective cost management. EBIT and EBITDA margins also indicate operational efficiency, although there's a slight decline in EBIT margin recently.
Balance Sheet
78
Positive
The company's balance sheet is robust with a significant equity base and a manageable debt level. The debt-to-equity ratio is favorable, suggesting low leverage which reduces financial risk. Return on equity is strong, indicating efficient use of equity capital to generate profits. The equity ratio indicates a solid financial foundation, supporting stability.
Cash Flow
82
Very Positive
Cash flows are strong with consistent operating cash flow generation. The free cash flow growth rate is stable, demonstrating good cash management practices. The operating cash flow to net income ratio indicates effective conversion of income into cash, while free cash flow to net income ratio supports sustainability of cash flow generation.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue540.07M485.21M347.92M287.36M300.01M
Gross Profit349.89M346.71M304.68M270.23M256.02M
EBITDA105.26M143.72M86.19M60.44M65.68M
Net Income75.63M103.53M59.18M43.16M47.59M
Balance Sheet
Total Assets8.10B7.88B7.43B5.67B5.00B
Cash, Cash Equivalents and Short-Term Investments620.44M996.12M880.50M1.24B670.56M
Total Debt114.92M515.90M792.11M162.01M183.73M
Total Liabilities7.06B7.00B6.66B5.14B4.51B
Stockholders Equity1.04B877.20M774.54M524.04M485.79M
Cash Flow
Free Cash Flow95.71M120.91M94.72M109.65M-6.70M
Operating Cash Flow101.12M125.18M96.92M113.11M-547.00K
Investing Cash Flow-80.87M-327.28M-538.12M-293.92M-662.91M
Financing Cash Flow116.31M337.94M116.27M647.30M720.90M

FirstSun Capital Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price38.85
Price Trends
50DMA
36.12
Positive
100DMA
36.25
Positive
200DMA
37.97
Positive
Market Momentum
MACD
1.12
Negative
RSI
71.63
Negative
STOCH
91.48
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSUN, the sentiment is Positive. The current price of 38.85 is above the 20-day moving average (MA) of 37.34, above the 50-day MA of 36.12, and above the 200-day MA of 37.97, indicating a bullish trend. The MACD of 1.12 indicates Negative momentum. The RSI at 71.63 is Negative, neither overbought nor oversold. The STOCH value of 91.48 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSUN.

FirstSun Capital Bancorp Risk Analysis

FirstSun Capital Bancorp disclosed 74 risk factors in its most recent earnings report. FirstSun Capital Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

FirstSun Capital Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$1.26B10.2317.20%3.13%-2.96%-7.14%
76
Outperform
$1.07B10.289.25%5.54%2.32%-16.87%
74
Outperform
$1.17B15.446.08%1.59%-4.22%-14.67%
73
Outperform
$1.08B12.618.55%8.74%-11.36%
72
Outperform
$1.06B11.935.51%4.39%1.38%-10.46%
69
Neutral
$980.15M12.496.43%5.01%2.23%2.59%
61
Neutral
C$15.12B7.0623.28%5.39%33.61%-23.38%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FSUN
FirstSun Capital Bancorp
38.85
1.85
5.00%
BRKL
Brookline Bancorp
10.78
0.85
8.56%
OCFC
Oceanfirst Financial
17.89
0.35
2.00%
PEBO
Peoples Bancorp
29.05
-3.50
-10.75%
PFBC
Preferred Bank
94.13
10.01
11.90%
OBK
Origin Bancorp
37.47
3.47
10.21%

FirstSun Capital Bancorp Corporate Events

Executive/Board Changes
FirstSun Capital Bancorp Ends Board Agreement with Aquiline
Neutral
Jun 10, 2025

On June 9, 2025, FirstSun Capital Bancorp and Aquiline SGB Holdings LLC agreed to terminate their Board Representative Agreement, leading to the resignation of Aquiline’s representative, Mr. Paul A. Larkins, from the company’s board. Mr. Larkins, who served since 2019, expressed gratitude for his tenure, and the company acknowledged his valuable contributions, wishing him success in future endeavors.

The most recent analyst rating on (FSUN) stock is a Buy with a $42.00 price target. To see the full list of analyst forecasts on FirstSun Capital Bancorp stock, see the FSUN Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 02, 2025