FirstSun Capital Bancorp
FirstSun Capital Bancorp Fundamental Analysis
FirstSun Capital Bancorp (FSUN) shows moderate financial fundamentals with a PE ratio of 10.29, profit margin of 16.68%, and ROE of 8.43%. The company generates $0.6B in annual revenue with moderate year-over-year growth of 5.48%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FSUN's fundamental strength across five key dimensions:
Efficiency Score
WeakFSUN struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFSUN trades at attractive valuation levels.
Growth Score
ExcellentFSUN delivers strong and consistent growth momentum.
Financial Health Score
ExcellentFSUN maintains a strong and stable balance sheet.
Profitability Score
ModerateFSUN maintains healthy but balanced margins.
Key Financial Metrics
Is FSUN Expensive or Cheap?
P/E Ratio
FSUN trades at 10.29 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FSUN's PEG of 1.16 indicates fair valuation.
Price to Book
The market values FirstSun Capital Bancorp at 0.84 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.07 times EBITDA. This signals the market has high growth expectations.
How Well Does FSUN Make Money?
Net Profit Margin
For every $100 in sales, FirstSun Capital Bancorp keeps $16.68 as profit after all expenses.
Operating Margin
Core operations generate 21.17 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.43 in profit for every $100 of shareholder equity.
ROA
FirstSun Capital Bancorp generates $1.12 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FirstSun Capital Bancorp produces operating cash flow of $72.68M, showing steady but balanced cash generation.
Free Cash Flow
FirstSun Capital Bancorp generates strong free cash flow of $65.44M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.35 in free cash annually.
FCF Yield
FSUN converts 6.64% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.29
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.84
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.71
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.005
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How FSUN Stacks Against Its Sector Peers
| Metric | FSUN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.29 | 18.96 | Better (Cheaper) |
| ROE | 8.43% | 797.00% | Weak |
| Net Margin | 16.68% | -7699.00% (disorted) | Strong |
| Debt/Equity | 0.10 | 2.38 | Strong (Low Leverage) |
| Current Ratio | 5.00 | 560.28 | Strong Liquidity |
| ROA | 1.12% | -23967.00% (disorted) | Weak |
FSUN outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FirstSun Capital Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
69.68%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
83.92%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
18313.04%
Industry Style: Value, Dividend, Cyclical
High Growth