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FSUN vs LOB

FSUN
FirstSun Capital Bancorp
BULLISH
Price
$37.78
Market Cap
$1.77B
Sector
Financial Services
AI Confidence
85%
LOB
Live Oak Bancshares, Inc.
NEUTRAL
Price
$37.82
Market Cap
$1.75B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FSUN
10.55
LOB
14.44
Forward P/E
FSUN
7.57
LOB
9.11
P/B Ratio
FSUN
0.91
LOB
1.51
P/S Ratio
FSUN
4.48
LOB
3.41
EV/EBITDA
FSUN
--
LOB
--

Profitability

Gross Margin
FSUN
0.0%
LOB
0.0%
Operating Margin
FSUN
33.97%
LOB
35.48%
Profit Margin
FSUN
24.82%
LOB
24.64%
ROE
FSUN
8.92%
LOB
10.89%
ROA
FSUN
1.18%
LOB
0.87%

Growth

Revenue Growth
FSUN
10.8%
LOB
29.1%
Earnings Growth
FSUN
53.3%
LOB
185.7%

Financial Health

Debt/Equity
FSUN
--
LOB
--
Current Ratio
FSUN
--
LOB
--
Quick Ratio
FSUN
--
LOB
--

Dividends

Dividend Yield
FSUN
--
LOB
0.32%
Payout Ratio
FSUN
0.0%
LOB
4.58%

AI Verdict

FSUN BULLISH

FSUN presents a compelling deep-value opportunity, trading significantly below its Graham Number ($57.72) and Intrinsic Value ($105.61). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits explosive earnings growth (53.3% YoY) and a healthy ROA of 1.18%. The stock is currently undervalued, trading at a Price-to-Book ratio of 0.91, suggesting the market is discounting the asset base. Despite a bearish technical trend, the fundamental disconnect between price and intrinsic value provides a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (53.3% YoY) and positive Q/Q EPS progression
Trading below book value (P/B 0.91), providing a valuation floor
Risks
Strongly bearish technical trend (0/100) indicating negative short-term momentum
Piotroski F-Score of 4/9 suggests only average financial strength
Lack of dividend yield is atypical for a stable regional banking entity
LOB NEUTRAL

LOB presents a stark contradiction between valuation and fundamental health. While the stock is priced attractively near its Graham Number ($38.44) and shows explosive YoY earnings growth (185.7%), the Piotroski F-Score of 2/9 indicates severe weakness in financial health. This fundamental fragility is compounded by bearish insider activity, specifically significant sales by the CEO and CFO. Despite analyst 'buy' recommendations and a high growth-based intrinsic value, the poor health score and insider sentiment suggest significant underlying risk.

Strengths
Strong valuation with a low Forward P/E of 9.11
Explosive YoY earnings growth of 185.70%
Robust revenue growth of 29.10% YoY
Risks
Critical financial health weakness indicated by a Piotroski F-Score of 2/9
Bearish insider sentiment with heavy selling by the CEO and CFO
Poor earnings consistency, beating estimates in only 1 of the last 4 quarters

Compare Another Pair

FSUN vs LOB: Head-to-Head Comparison

This page compares FirstSun Capital Bancorp (FSUN) and Live Oak Bancshares, Inc. (LOB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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