📊 FSUN Key Takeaways
Is FSUN a Good Investment? Thesis Analysis
FirstSun Capital Bancorp demonstrates strong fundamental growth with revenue up 47.4% YoY and healthy profitability metrics including a 20.9% net margin and 22.2% FCF margin. The company maintains solid financial health with zero long-term debt and generates substantial free cash flow of $104M, though ROE of 8.5% and ROA of 1.2% suggest moderate efficiency for a banking institution.
Why Buy FSUN? Key Strengths
- Strong revenue growth of 47.4% YoY demonstrating business expansion
- Excellent profitability with 20.9% net margin and 26.3% operating margin
- Robust free cash flow of $104M with 22.2% FCF margin showing quality earnings
- Conservative capital structure with zero long-term debt and $652.6M cash position
- EPS growth of 29% YoY outpacing net income growth indicating share buybacks or favorable share count dynamics
FSUN Investment Risks to Consider
- ROE of 8.5% is below typical banking sector benchmarks, indicating suboptimal equity utilization
- ROA of 1.2% is modest for a bank, suggesting asset efficiency could improve
- Net income flat YoY despite 47.4% revenue growth raises questions about cost control and operational leverage
- Limited visibility into credit quality, loan loss provisions, and asset composition
- Interest coverage of 3.1x provides moderate cushion but could improve significantly
Key Metrics to Watch
- Net Profit Margin trend - critical to ensure profitability gains continue amid growth
- Return on Equity - must improve toward 10%+ range for sector competitiveness
- Net Interest Margin and loan growth rates - fundamental drivers of banking profitability
- Non-performing loan ratio and loan loss provisions - key credit quality indicators
- Capital adequacy ratios - essential for regulatory compliance and growth capacity
- Operating efficiency ratio - to assess cost management relative to revenue expansion
FSUN Financial Metrics
💡 AI Analyst Insight
The 22.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FSUN Profitability Ratios
FSUN vs Finance Sector
How FIRSTSUN CAPITAL BANCORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FSUN Overvalued or Undervalued?
Based on fundamental analysis, FIRSTSUN CAPITAL BANCORP has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FSUN Balance Sheet & Liquidity
FSUN 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FIRSTSUN CAPITAL BANCORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $4.08 reflects profitable operations.
FSUN Growth Metrics (YoY)
FSUN Capital Allocation
FSUN SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FIRSTSUN CAPITAL BANCORP (CIK: 0001709442)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FSUN
What is the AI rating for FSUN?
FIRSTSUN CAPITAL BANCORP (FSUN) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FSUN's key strengths?
Claude: Strong revenue growth of 47.4% YoY demonstrating business expansion. Excellent profitability with 20.9% net margin and 26.3% operating margin.
What are the risks of investing in FSUN?
Claude: ROE of 8.5% is below typical banking sector benchmarks, indicating suboptimal equity utilization. ROA of 1.2% is modest for a bank, suggesting asset efficiency could improve.
What is FSUN's revenue and growth?
FIRSTSUN CAPITAL BANCORP reported revenue of $467.8M.
Does FSUN pay dividends?
FIRSTSUN CAPITAL BANCORP pays dividends, with $7.6M distributed to shareholders in the trailing twelve months.
Where can I find FSUN SEC filings?
Official SEC filings for FIRSTSUN CAPITAL BANCORP (CIK: 0001709442) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FSUN's EPS?
FIRSTSUN CAPITAL BANCORP has a diluted EPS of $3.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FSUN a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FIRSTSUN CAPITAL BANCORP has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FSUN stock overvalued or undervalued?
Valuation metrics for FSUN: ROE of 8.5% (sector avg: 12%), net margin of 20.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FSUN stock in 2026?
Our dual AI analysis gives FIRSTSUN CAPITAL BANCORP a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FSUN's free cash flow?
FIRSTSUN CAPITAL BANCORP's operating cash flow is $111.5M, with capital expenditures of $7.5M. FCF margin is 22.2%.
How does FSUN compare to other Finance stocks?
Vs Finance sector averages: Net margin 20.9% (avg: 25%), ROE 8.5% (avg: 12%), current ratio N/A (avg: 1.2).