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FSUN vs MA

FSUN
FirstSun Capital Bancorp
BULLISH
Price
$37.78
Market Cap
$1.77B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FSUN
10.55
MA
30.28
Forward P/E
FSUN
7.57
MA
22.05
P/B Ratio
FSUN
0.91
MA
57.74
P/S Ratio
FSUN
4.48
MA
13.6
EV/EBITDA
FSUN
--
MA
22.13

Profitability

Gross Margin
FSUN
0.0%
MA
100.0%
Operating Margin
FSUN
33.97%
MA
57.73%
Profit Margin
FSUN
24.82%
MA
45.65%
ROE
FSUN
8.92%
MA
209.91%
ROA
FSUN
1.18%
MA
23.72%

Growth

Revenue Growth
FSUN
10.8%
MA
17.6%
Earnings Growth
FSUN
53.3%
MA
24.2%

Financial Health

Debt/Equity
FSUN
--
MA
2.56
Current Ratio
FSUN
--
MA
1.03
Quick Ratio
FSUN
--
MA
0.68

Dividends

Dividend Yield
FSUN
--
MA
0.7%
Payout Ratio
FSUN
0.0%
MA
18.4%

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

FSUN vs MA: Head-to-Head Comparison

This page compares FirstSun Capital Bancorp (FSUN) and Mastercard Incorporated (MA) 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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