FirstSun Capital Bancorp (FSUN) AI Stock Analysis

• Market Cap: $1.05B
• Dividend Yield: N/A
• Average Volume (3M): 154.41K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.60
• Revenue Growth: 8.74%
• EPS Growth: -11.36%
• Country: US
• Employees: 1,127
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 27,833,378
• 10 Day Avg. Volume: 302,062
• 30 Day Avg. Volume: 154,411
• PEG Ratio: 2.22
• Price to Book (P/B): 1.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.57
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 0.66
• Enterprise Value/Gross Profit: 3.77
• Enterprise Value/Ebitda: 5.13
• 1Y Price Target: $42.20
• Price Target Upside: 11.52% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 73 Outperform
• Price Target: $41.00 ▲(8.35%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

Capital Strategy

FSUN will use part of its excess capital to support organic growth prospects while maintaining an opportunistic approach to M&A.

Financial Performance

FSUN's ROA has benefited from high performing net interest margin.

Index Inclusion

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

Market Strategy

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

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 Business Overview & Revenue Model

Company Description

FirstSun 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 Money

FirstSun 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 strong financial health with robust revenue and net income growth, a debt-free balance sheet, and positive cash flow generation. The company's ability to grow equity and manage liabilities effectively showcases stability and resilience. However, missing EBIT and EBITDA metrics limit a comprehensive analysis of operational efficiency.

Income Statement

FirstSun Capital Bancorp demonstrated impressive revenue growth with a strong revenue increase from $279 million in 2021 to $618 million in 2024. The net profit margin also shows a healthy trajectory with net income rising significantly over the years, indicating strong profitability. However, the absence of EBIT and EBITDA figures for the most recent period limits a complete margin analysis.

Balance Sheet

The company maintains a solid financial position with no debt reported in the most recent year and a strong equity base. The equity ratio has improved, indicating good financial health and stability. The increasing stockholders' equity and reduction in total liabilities reflect prudent financial management. However, the high level of cash and equivalents might suggest underutilization of resources.

Cash Flow

Operating cash flow remains positive and stable, with significant free cash flow generation in recent years. However, the volatility in investing cash flows and the fluctuating financing cash flows suggest potential risks in cash management. The operating cash flow to net income ratio indicates operational efficiency, but consistency in free cash flow growth is needed.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	540.07M	485.21M	322.73M	279.48M	279.12M
Gross Profit	349.89M	346.71M	322.73M	279.48M	279.12M
EBITDA	105.26M	0.00	0.00	0.00	0.00
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	100.22M	491.21M	755.39M	69.46M	68.36M
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: 37.84
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 37.84 is above the 20-day moving average (MA) of 35.16, above the 50-day MA of 35.58, and below the 200-day MA of 38.15, indicating a neutral trend. The MACD of 0.69 indicates Negative momentum. The RSI at 64.44 is Neutral, neither overbought nor oversold. The STOCH value of 79.46 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	78 Outperform	$1.23B	9.73	17.21%	3.27%	0.94%	-8.61%
PEBO	74 Outperform	$1.14B	10.08	10.12%	5.15%	7.34%	-4.94%
OBK	74 Outperform	$1.17B	15.38	6.75%	1.60%	0.76%	-7.88%
FSUN	73 Outperform	$1.05B	12.28	8.55%	―	8.74%	-11.36%
OCFC	71 Outperform	$1.10B	12.28	5.51%	4.21%	1.38%	-10.46%
BRKL	71 Outperform	$996.19M	13.66	6.01%	4.83%	4.33%	-11.14%
Sector *	67 Neutral	¥718.01B	10.71	7.55%	3.31%	7.97%	15.90%

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.