FirstSun Capital Bancorp (FSUN) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
FirstSun Capital Bancorp functions as the parent entity for Sunflower Bank, offering a comprehensive suite of commercial and retail banking as well as financial solutions primarily to small and mid-sized businesses. Its deposit offerings include non-interest and interest-bearing demand accounts, standard checking and savings accounts, money market options, and certificates of deposit.
Analysis Summary
FirstSun Capital Bancorp reported revenue of $569.6M in the most recent fiscal year, growing at a 5-year CAGR of 13.7%. Net income reached $97.9M, with a 15.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 55.5%, operating margin 10.4%, net margin 8.0%.
At the current price of $39.63, FSUN trades at a P/E of 23.68 and an ROE of 3.53%. Market capitalisation stands at $1.9B.
Balance sheet quality for FSUN: current ratio of 0.2, net cash position of $1.08B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $104.0M represents 106% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $39.63 |
| Market Cap | $1.9B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 23.68 |
| Price / Book | 0.60 |
| EV / EBITDA | 15.53 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | 3.53% |
| Return on Invested Capital | 0.31% |
| Return on Assets | 0.30% |
| Gross Margin | 55.54% |
| Operating Margin | 10.36% |
| Net Margin | 7.95% |
Financial Health
| Debt / Equity | 0.12 |
| Current Ratio | 56.62 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FSUN | FirstSun Capital Bancorp | $1.8B | 23.68 | 0.60 | 3.5% |
| TCBI | Texas Capital Bancshares, Inc. | $4.1B | 12.27 | 1.17 | 10.0% |
| MBIN | Merchants Bancorp | $2.4B | 10.61 | 1.01 | 11.6% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B |
Price Performance
| 1 month | -3.29% |
| 3 months | +8.07% |
| Year-to-date | +3.91% |
| 1 year | +3.14% |
| 3 years | +31.91% |
52-Week Range
| 52-week High | $42.34 |
| 52-week Low | $29.95 |
| Avg Volume (90d) | 270K |
Related companies: BHRB · FMBH · HAFC · MBIN · OSBC · PEBO · SBSI
Explore sector: Financial Services · Banks - Regional
More sections of FSUN: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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