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Company Analysis

FirstSun Capital Bancorp FSUN

A comprehensive view of key metrics, scores, and financial health for FirstSun Capital Bancorp

Overview of FirstSun Capital Bancorp

FSUN NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
FirstSun Capital Bancorp (FSUN), is a Small Cap company, in the Banks - Regional industry, last closed at $40.09, about 1.6% undervalued vs fair value, +19.7% 1Y return, ranked 896/1078 in sector.
Metrics P/E 10.9× Rev Growth 8.4% ROE 8.9%
USD 40.09
0.73%
(Delayed)
• Vol 90d: 32.5%
52-Week Range
Market Cap
$1.87B
Enterprise Value
$1.08B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 70%
Confidence: 76%
Updated: Oct 24
Top Beats
No strong beats yet

Quick Facts

Website https://ir.firstsuncb.com
HQ Denver, CO
Employees 1,177
Fiscal year Dec 31

Next Events

Earnings Oct 26 Call: Oct 27

Fair Value Snapshot

Bear Base Bull
$23
$41
$76
Current: $40.09 +2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$467.8M
1.8%%
Interest Expense
$150.4M
Net Interest Income
$317.4M
6.9%%
Total Revenue
$409.0M
8.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.5%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.2M
1.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating FirstSun Capital Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.91), exceeding regulatory minimums.
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.92).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
48
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing FSUN's balance between Growth (27.2%), Profitability (31.3%), and Safety (41.5%). Growth 27% Safety 42% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
51
Key Signals
Asset Growth YoY 4.8% 54p EPS Growth YoY 28.7% 63p NII Growth YoY 6.9% 37p Equity Growth YoY 10.8% 56p
Strengths
  • Net Interest Margin in top 20% of peers (3.7%, 84th percentile)
  • D/E Ratio in top 20% of peers (5.7%, 92th percentile)
  • Debt/Assets in top 20% of peers (0.8%, 91th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

77th percentile vs peers
78
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for FirstSun Capital Bancorp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$40.75
- - -
+1.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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