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FIRSTSUN CAPITAL BANCORP (FSUN) Stock Fundamental Analysis

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

41.33  -0.17 (-0.41%)

After market: 41.33 0 (0%)

Fundamental Rating

3

Taking everything into account, FSUN scores 3 out of 10 in our fundamental rating. FSUN was compared to 405 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

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2

1. Profitability

1.1 Basic Checks

In the past year FSUN was profitable.
FSUN had a positive operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of 1.02%, FSUN is in the better half of the industry, outperforming 71.11% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.05%, FSUN is in line with its industry, outperforming 50.25% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 8.05%
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

FSUN's Profit Margin of 22.08% is in line compared to the rest of the industry. FSUN outperforms 48.99% of its industry peers.
In the last couple of years the Profit Margin of FSUN has grown nicely.
FSUN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.08%
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

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3

2. Health

2.1 Basic Checks

FSUN does not have a ROIC to compare to the WACC, probably because it is not profitable.
FSUN has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, FSUN has an improved debt to assets ratio.
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

The Debt to FCF ratio of FSUN is 0.66, which is an excellent value as it means it would take FSUN, only 0.66 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FSUN (0.66) is better than 82.91% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FSUN is not too dependend on debt financing.
FSUN has a better Debt to Equity ratio (0.08) than 76.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.66
Altman-Z N/A
ROIC/WACCN/A
WACC6.78%
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

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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%.
The Earnings Per Share has been growing by 15.76% on average over the past years. This is quite good.
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%-38.74%
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%5.09%

3.2 Future

The Earnings Per Share is expected to grow by 10.93% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.36% on average over the next years.
EPS Next Y17.25%
EPS Next 2Y10.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.44%
Revenue Next 2Y7.36%
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 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.36 indicates a correct valuation of FSUN.
66.33% of the companies in the same industry are cheaper than FSUN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FSUN to the average of the S&P500 Index (29.63), we can say FSUN is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.46, the valuation of FSUN can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FSUN.
When comparing the Price/Forward Earnings ratio of FSUN to the average of the S&P500 Index (22.68), we can say FSUN is valued slightly cheaper.
Industry RankSector Rank
PE 15.36
Fwd PE 11.46
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

Based on the Price/Free Cash Flow ratio, FSUN is valued cheaply inside the industry as 80.40% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.74
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)N/A
EPS Next 2Y10.93%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for FSUN!.
Industry RankSector Rank
Dividend Yield N/A

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FIRSTSUN CAPITAL BANCORP

NASDAQ:FSUN (2/21/2025, 8:22:06 PM)

After market: 41.33 0 (0%)

41.33

-0.17 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)N/A N/A
Inst Owners9.75%
Inst Owner Change19.84%
Ins Owners35.34%
Ins Owner Change0%
Market Cap1.15B
Analysts82.5
Price Target44.88 (8.59%)
Short Float %1.81%
Short Ratio2.49
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)4.76%
PT rev (3m)N/A
EPS NQ rev (1m)1.85%
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.12%
EPS NY rev (3m)7.12%
Revenue NQ rev (1m)0.78%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.92%
Revenue NY rev (3m)-39.81%
Valuation
Industry RankSector Rank
PE 15.36
Fwd PE 11.46
P/S 3.04
P/FCF 8.74
P/OCF 8.35
P/B 1.11
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)2.69
EY6.51%
EPS(NY)3.61
Fwd EY8.72%
FCF(TTM)4.73
FCFY11.45%
OCF(TTM)4.95
OCFY11.98%
SpS13.62
BVpS37.32
TBVpS30.78
PEG (NY)0.89
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 8.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.08%
GM N/A
FCFM 34.74%
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 0.66
Debt/EBITDA N/A
Cap/Depr 56.24%
Cap/Sales 1.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 157.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-33.93%
EPS 3Y15.76%
EPS 5YN/A
EPS Q2Q%-38.74%
EPS Next Y17.25%
EPS Next 2Y10.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.81%
Revenue growth 3Y11.43%
Revenue growth 5YN/A
Sales Q2Q%5.09%
Revenue Next Year7.44%
Revenue Next 2Y7.36%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A