FirstSun Capital Bancorp (FSUN)
Valuation Overview•Is FirstSun Capital Bancorp Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 62/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Solid fundamental quality, though profitability presents a headwind.
Wall Street is broadly bullish, projecting solid upside with steady expected earnings growth. The company currently retains all capital for reinvestment and growth rather than returning it to shareholders.
FSUN demonstrates adequate business quality with stable profitability. This is backed by a fortress balance sheet, holding significant net cash ($616M) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (12.5% EPS 3Y CAGR). The company maintains healthy operational efficiency with a 21.2% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $137.9M | +5.5% | — | — | — | |
| EBITDA | $29.0M | — | +15.6% | — | — | |
| Net Income | $21.6M | +29.5% | +18.3% | — | — | |
| EPS (Diluted) | $0.76 | +31.2% | +12.5% | +13.1% | — | |
| Free Cash Flow | -$14.1M | +8.6% | +3.2% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 69.3% | 68.5% | 77.4% | 79.6% |
| Operating Margin | 21.2% | 22.2% | 21.2% | 19.2% |
| Net Margin | 16.7% | 17.5% | 16.9% | 15.6% |
| FCF Margin | 11.4% | 20.3% | 25.3% | 17.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.90 | $0.84 | -6.7% | ||
| Q1'26 | — | $0.88 | — | ||
| Q1'26 | $0.86 | $0.95 | +10.5% | ||
| Q4'25 | $0.89 | $0.82 | -7.7% | ||
| Q3'25 | $0.89 | $0.93 | +5.1% | ||
| Q2'25 | $0.80 | $0.83 | +4.1% | ||
| Q1'25 | — | $0.58 | — | ||
| Q1'25 | $0.81 | $0.86 | +6.2% |
Total return is +10.6% (1Y), lagging the benchmark by -10.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +0.1% | -7.2% | — |
| 1Y | +10.6% | -10.2% | — |
| 3YCAGR | +14.8% | -5.3% | — |
| 5YCAGR | +9.5% | -2.4% | — |
| 10YCAGR | +4.7% | -9.3% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about FirstSun Capital Bancorp (FSUN) valuation, health, and returns.
FirstSun Capital Bancorp is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. trading near fair value (DCF: $33.25)
FirstSun Capital Bancorp has multiple valuation anchors: DCF Intrinsic Value: $33.25 | Peer Relative Fair Value: $51.81 | Wall Street Analyst Target: $44.00 (implying +14.9% upside). A convergence of these signals offers higher conviction.
FirstSun Capital Bancorp displays good financial health with a composite quality score of 62/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 8.0%.
FirstSun Capital Bancorp does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
FirstSun Capital Bancorp's current growth trajectory is Decelerating. The company achieved +5.5% 1Y revenue growth and +31.2% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 3 analysts, beating EPS expectations in 50% of recent quarters with a -1-quarter streak. The consensus price target represents a +14.9% change from current levels.
Investment risks for FirstSun Capital Bancorp include: -27.1% 1-year max drawdown. Volatility risk is characterized by a beta of 0.75x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.