FirstSun Capital Bancorp (FSUN) AI Stock Analysis

• Market Cap: $922.82M
• Dividend Yield: N/A
• Average Volume (3M): 111.82K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.61
• Revenue Growth: 13.26%
• EPS Growth: -33.68%
• Country: US
• Employees: 1,127
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 2.69
• Shares Outstanding: 27,753,918
• 10 Day Avg. Volume: 236,930
• 30 Day Avg. Volume: 111,823
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.80
• Price to Cash Flow (P/CF): 53.30
• P/FCF Ratio: 7.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $48.00
• Price Target Upside: 45.19% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

FirstSun Capital Bancorp shows strong financial performance with robust growth and a solid balance sheet, but technical indicators highlight bearish momentum. While the valuation is reasonable, the lack of dividend yield and technical weakness suggest caution.

FirstSun Capital Bancorp Business Overview & Revenue Model

Company Description

FirstSun Capital Bancorp (FSUN) is a financial services company operating primarily in the banking sector. It provides a range of banking products and services to individuals, businesses, and institutions. The company focuses on delivering community banking services, including personal and commercial banking, wealth management, and mortgage lending. FSUN aims to offer tailored financial solutions to meet the diverse needs of its clients, leveraging its regional presence and customer-centric approach.

How the Company Makes Money

FirstSun Capital Bancorp makes money through a variety of revenue streams typical of financial institutions. The primary sources of revenue include interest income from loans and credit products extended to customers, including personal loans, commercial loans, and mortgages. In addition to interest income, FSUN generates revenue through fees and service charges associated with banking operations, such as account maintenance fees, transaction fees, and wealth management services. The company may also earn income through investment activities and partnerships with financial service providers. Key factors contributing to its earnings include the management of interest rate spreads, effective risk management practices, and strategic growth initiatives within its target markets.

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, some metrics such as EBIT and EBITDA are missing, limiting a comprehensive analysis of operational efficiency. Ensuring efficient use of cash resources and consistency in investment strategies will be key to sustaining growth.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
271.53M	61.83M	364.95M	322.73M	279.48M	279.12M
	Gross Profit
158.88M	61.83M	364.95M	322.73M	279.48M	279.12M
	EBIT
80.09M	0.00	136.31M	99.21M	51.84M	57.16M
	EBITDA
0.00	0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
83.29M	75.63M	103.53M	59.18M	43.16M	47.59M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	1.08B	996.12M	880.50M	1.24B	670.56M
	Total Assets
0.00	8.10B	7.88B	7.43B	5.67B	5.00B
	Total Debt
0.00	0.00	491.21M	755.39M	69.46M	68.36M
	Net Debt
0.00	-615.92M	11.85M	411.86M	-599.00M	-133.62M
	Total Liabilities
0.00	7.06B	7.00B	6.66B	5.14B	4.51B
	Stockholders Equity
430.20M	1.04B	877.20M	774.54M	524.04M	485.79M
Cash Flow		Free Cash Flow
131.10M	101.12M	120.91M	94.72M	109.65M	-6.70M
	Operating Cash Flow
137.15M	101.12M	125.18M	96.92M	113.11M	-547.00K
	Investing Cash Flow
-270.50M	-80.87M	-327.28M	-538.12M	-293.92M	-662.91M
	Financing Cash Flow
263.14M	116.31M	337.94M	116.27M	647.30M	720.90M

FirstSun Capital Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 33.06
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSUN, the sentiment is Negative. The current price of 33.06 is below the 20-day moving average (MA) of 36.88, below the 50-day MA of 39.26, and below the 200-day MA of 39.47, indicating a bearish trend. The MACD of -0.81 indicates Positive momentum. The RSI at 27.44 is Positive, neither overbought nor oversold. The STOCH value of 10.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FSUN.

FirstSun Capital Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PB	72 Outperform	$6.10B	12.68	6.60%	3.56%	11.96%	11.66%
BOKF	68 Neutral	$5.70B	10.91	9.70%	2.52%	11.17%	1.47%
EFSC	68 Neutral	$1.84B	10.29	10.47%	2.30%	10.38%	-4.58%
FHB	66 Neutral	$2.74B	12.08	9.02%	4.80%	3.53%	-2.18%
FSUN	64 Neutral	$922.82M	12.27	7.88%	―	13.26%	-33.68%
Sector *	64 Neutral	$13.44B	9.41	9.19%	4.92%	16.30%	-8.66%
HIFS	62 Neutral	$519.44M	18.54	6.72%	1.14%	14.02%	5.59%

FirstSun Capital Bancorp Corporate Events

FirstSun Capital Bancorp Ends Stockholders’ Agreement

FirstSun Capital Bancorp announced the termination of its Stockholders’ Agreement, effective February 21, 2025, which initially provided board representation rights to nine stockholders. Following this termination, the company established new Board Representative Letter Agreements with four stockholders, ensuring continued board representation or observer rights as long as they maintain a significant shareholding.