FirstSun Capital Bancorp (FSUN) AI Stock Analysis

• Market Cap: $1.08B
• Dividend Yield: N/A
• Average Volume (3M): 157.06K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.65
• Revenue Growth: 6.59%
• EPS Growth: -3.66%
• Country: US
• Employees: 1,127
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 27,835,050
• 10 Day Avg. Volume: 235,889
• 30 Day Avg. Volume: 157,065
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.29
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 0.85
• Enterprise Value/Ebitda: 2.58
• 1Y Price Target: $44.50
• Price Target Upside: 15.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: $41.00 ▲(6.11% Upside)

FirstSun Capital Bancorp's strong financial performance is the primary driver of its score, supported by solid profitability and financial stability. Technical analysis suggests some short-term weakness, while valuation indicates the stock is fairly priced. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Diversification

FSUN's fees provide attractive diversification along with a natural hedge to lower interest rates.

Index Inclusion

FSUN is eligible for R2K Index addition, which could lead to a significant amount of shares being bought during the reconstitution process.

Strategic Growth

FSUN operates an established C&I organic growth strategy focused in growth markets in Dallas, Houston, Phoenix, Denver and Southern California.

Negative Factors

Economic Sensitivity

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 Business Overview & Revenue Model

Company Description

FirstSun Capital Bancorp (FSUN) is a financial holding company headquartered in the United States, focused on offering a wide range of banking services through its subsidiary, FirstSun Capital Bank. The company operates primarily in the banking sector, providing commercial and personal banking products, including loans, deposits, and treasury management services. With a commitment to serving individuals and businesses, FSUN emphasizes customer-centric solutions and community involvement.

How the Company Makes Money

FirstSun Capital Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. The core revenue streams include interest earned on commercial and consumer loans, which constitute a significant portion of the company's earnings. Additionally, FSUN earns fees from deposit accounts, transaction services, and wealth management offerings. The bank's ability to attract deposits at competitive rates also contributes to its revenue model, as it allows for the funding of loans and investment activities. Strategic partnerships and community engagement enhance its market presence, driving customer loyalty and facilitating growth in its service offerings.

FirstSun Capital Bancorp Financial Statement Overview

Summary

FirstSun Capital Bancorp demonstrates strong profitability with a consistent increase in net income and revenue over the years. The company maintains a solid equity position and exhibits a strong cash flow position. Minor concerns include revenue fluctuations and decreasing cash reserves.

Income Statement

FirstSun Capital Bancorp demonstrates strong profitability with a consistent increase in net income and revenue over the years. The gross profit margin and net profit margin are robust, indicating efficient cost management. The TTM data shows a slight decrease in total revenue compared to the previous year, but EBIT and EBITDA margins remain healthy, reflecting operational efficiency.

Balance Sheet

The company maintains a solid equity position with a favorable equity ratio, highlighting financial stability. The debt-to-equity ratio is low, indicating conservative leverage. Return on equity is strong, showcasing effective use of equity capital. However, the decrease in cash and cash equivalents over time could be a concern if it continues.

Cash Flow

FirstSun Capital Bancorp exhibits a strong cash flow position with positive free cash flow growth and a healthy operating cash flow to net income ratio. The free cash flow to net income ratio is also favorable, suggesting efficient cash generation relative to earnings. However, fluctuations in investing cash flow warrant attention.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	540.07M	485.21M	347.92M	287.36M	300.01M
Gross Profit	349.89M	346.71M	304.68M	270.23M	256.02M
EBITDA	105.26M	143.72M	86.19M	60.44M	65.68M
Net Income	75.63M	103.53M	59.18M	43.16M	47.59M
Balance Sheet
Total Assets	8.10B	7.88B	7.43B	5.67B	5.00B
Cash, Cash Equivalents and Short-Term Investments	620.44M	996.12M	880.50M	1.24B	670.56M
Total Debt	114.92M	515.90M	792.11M	162.01M	183.73M
Total Liabilities	7.06B	7.00B	6.66B	5.14B	4.51B
Stockholders Equity	1.04B	877.20M	774.54M	524.04M	485.79M
Cash Flow
Free Cash Flow	95.71M	120.91M	94.72M	109.65M	-6.70M
Operating Cash Flow	101.12M	125.18M	96.92M	113.11M	-547.00K
Investing Cash Flow	-80.87M	-327.28M	-538.12M	-293.92M	-662.91M
Financing Cash Flow	116.31M	337.94M	116.27M	647.30M	720.90M

FirstSun Capital Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 38.64
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 38.64 is above the 20-day moving average (MA) of 36.92, above the 50-day MA of 36.98, and above the 200-day MA of 37.64, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 66.74 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSUN.

FirstSun Capital Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	79 Outperform	$1.28B	9.90	17.20%	3.10%	-2.96%	-6.62%
FSUN	74 Outperform	$1.08B	12.30	8.48%	―	6.59%	-3.66%
BRKL	74 Outperform	$975.70M	12.44	6.43%	4.93%	2.23%	2.59%
OBK	74 Outperform	$1.22B	17.29	6.08%	1.55%	-4.48%	-14.67%
OCFC	72 Outperform	$1.07B	12.89	5.28%	4.36%	-0.91%	-14.86%
PEBO	71 Outperform	$1.11B	10.50	9.25%	5.20%	2.33%	-16.87%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%

FirstSun Capital Bancorp Corporate Events

FirstSun Capital Bancorp Ends Board Agreement with Aquiline

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.