FSUN Stock Analysis: FirstSun Capital Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.822m USD | 12M Return: 4.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.74M
EPS Trend: -51.4%
Qual. Beats: 0
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 3.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FirstSun Capital Bancorp (FSUN) is the holding company for Sunflower Bank, National Association, a regional bank founded in 1892 and headquartered in Denver, Colorado. The company primarily serves small and medium-sized businesses across the United States, operating physical branches in Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington. It reports through two segments: Banking and Mortgage Operations.
The banks deposit offerings include checking, savings, money market, and certificate of deposit accounts, alongside treasury management services. On the lending side, it provides commercial and industrial loans, commercial real estate loans, residential mortgages, SBA loans, consumer loans (auto, boat, recreational vehicles), home equity products, and credit card accounts. It also operates a wealth management division offering private banking, investment management, trust, and retirement plan services, plus digital banking and loan securitization for government agencies.
As a regional bank within the U.S. Financials sector, FSUN follows a community banking model focused on geographic concentration and relationship lending, particularly through SBA and commercial real estate products which are core drivers for many similarly sized regional institutions. The company completed its IPO in August 2022 and was previously named Sunflower Financial, Inc. before rebranding to FirstSun Capital Bancorp in June 2017.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan exposure raises credit risk concerns
- Mortgage origination volume declines on elevated rates
| Net Income: 96.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.38 > 1.0 |
| NWC/Revenue: -1.16k% < 20% (prev -1.16k%; Δ -7.12% < -1%) |
| CFO/TA 0.01 > 3% & CFO 72.8m > Net Income 96.0m |
| Net Debt (-265.3m) to EBITDA (132.4m): -2.00 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.3m) vs 12m ago 0.08% < -2% |
| Gross Margin: 69.27% > 18% (prev 67.70%; Δ 1.57% > 0.5%) |
| Asset Turnover: 6.86% > 50% (prev 6.56%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 0.82 > 6 (EBIT TTM 121.8m / Interest Expense TTM 147.8m) |
| A: -0.78 (Total Current Assets 413.7m - Total Current Liabilities 7.11b) / Total Assets 8.57b |
| B: 0.08 (Retained Earnings 652.7m / Total Assets 8.57b) |
| C: 0.01 (EBIT TTM 121.8m / Avg Total Assets 8.39b) |
| D: 0.16 (Book Value of Equity 1.18b / Total Liabilities 7.39b) |
| Altman-Z'' = -4.61 = D |
| DSRI: 0.92 (Receivables 33.1m/33.7m, Revenue 575.4m/539.4m) |
| GMI: 0.98 (GM 67.70% / 69.27%) |
| AQI: 1.04 (AQ_t 0.94 / AQ_t-1 0.91) |
| SGI: 1.07 (Revenue 575.4m / 539.4m) |
| TATA: 0.00 (NI 96.0m - CFO 72.8m) / TA 8.57b) |
| Beneish M = -3.04 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 38.54 with a total of 231,017 shares traded. Over the past week, the price has changed by -0.62%, over one month by +7.89%, over three months by +8.99% and over the past year by +4.13%.
Current recommended Stop Loss: 36.50 (which is 5.3% or 1.7 ATR below the current price).
FirstSun Capital Bancorp has no consensus analysts rating.
P/E Trailing = 11.4647
P/S = 4.5098
P/B = 1.5844
Revenue TTM = 575.4m USD
EBIT TTM = 121.8m USD
EBITDA TTM = 132.4m USD
Long Term Debt = 36.8m USD (from longTermDebt, last quarter)
Short Term Debt = 82.7m USD (from shortTermDebt, last quarter)
Debt = 148.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 29.0m
Net Debt = -265.3m USD (calculated: Debt 148.4m - CCE 413.7m)
Enterprise Value = 1.56b USD (1.82b + Debt 148.4m - CCE 413.7m)
Interest Coverage Ratio = 0.82 (Ebit TTM 121.8m / Interest Expense TTM 147.8m)
EV/FCF = 23.76x (Enterprise Value 1.56b / FCF TTM 65.5m)
FCF Yield = 4.21% (FCF TTM 65.5m / Enterprise Value 1.56b)
FCF Margin = 11.38% (FCF TTM 65.5m / Revenue TTM 575.4m)
Net Margin = 16.68% (Net Income TTM 96.0m / Revenue TTM 575.4m)
Gross Margin = 69.27% ((Revenue TTM 575.4m - Cost of Revenue TTM 176.8m) / Revenue TTM)
Gross Margin QoQ = 69.84% (prev 71.23%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.56b / Total Assets 8.57b)
Interest Expense / Debt = 99.56% (Interest Expense 147.8m / Debt 148.4m)
Taxrate = 19.76% (23.6m / 119.6m)
NOPAT = 97.7m (EBIT 121.8m * (1 - 19.76%))
Current Ratio = 0.06 (Total Current Assets 413.7m / Total Current Liabilities 7.11b)
Debt / Equity = 0.13 (Debt 148.4m / totalStockholderEquity, last quarter 1.18b)
Debt / EBITDA = -2.00 (Net Debt -265.3m / EBITDA 132.4m)
Debt / FCF = -4.05 (Net Debt -265.3m / FCF TTM 65.5m)
Total Stockholder Equity = 1.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 96.0m / Total Assets 8.57b)
RoE = 8.43% (Net Income TTM 96.0m / Total Stockholder Equity 1.14b)
RoCE = 10.37% (EBIT 121.8m / Capital Employed (Equity 1.14b + L.T.Debt 36.8m))
RoIC = 1.14% (NOPAT 97.7m / Invested Capital 8.54b)
WACC = 6.89% (E(1.82b)/V(1.97b) * Re(7.45%) + (debt cost/tax rate unavailable))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 73.33 | Cagr: 4.82%
[DCF] Terminal Value 73.10% ; FCFF base≈76.9m ; Y1≈67.4m ; Y5≈54.5m
[DCF] Fair Price = 25.83 (EV 874.5m - Net Debt -265.3m = Equity 1.14b / Shares 44.1m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -51.41 | EPS CAGR: -5.73% | SUE: -0.56 | # QB: 0
Revenue Correlation: 95.06 | Revenue CAGR: 9.45% | SUE: 0.51 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.77 | Chg30d=+4.42% | Revisions=-25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.93 | Chg30d=+0.27% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=3.63 | Chg30d=+1.11% | Revisions=-57% | GrowthEPS=+2.1% | GrowthRev=+59.7%
EPS next Year (2027-12-31): EPS=4.71 | Chg30d=+0.00% | Revisions=-57% | GrowthEPS=+29.6% | GrowthRev=+16.9%
[Analyst] Revisions Ratio: -77% (up=0, down=10)