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FSUN

BULLISH
$37.78 Live
FirstSun Capital Bancorp · NASDAQ
Target $45.0 (+19.1%)
$29.95 52W Range $42.34
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$1.77B
P/E
10.55
ROE
8.9%
Profit margin
24.8%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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
Healthy ROA (1.18%) and solid operating margins (33.97%)
Low Forward P/E (7.57) compared to sector averages

Key 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
Exposure to regional banking sector volatility and interest rate risks
Neutral insider activity with no buy transactions in the last 6 months
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+81.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
60
Moderate
Value
95
Future
88
Past
65
Health
50
Dividend
0
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, High earnings growth, P/B < 1.0
Confidence
80%
Value
95/100

Ref P/E, PEG, Graham Number

Positives
  • P/E of 10.55 is very low
  • Price is well below Graham Number ($57.72)
  • P/B of 0.91 indicates asset undervaluation
Watchpoints
  • Price/Sales is slightly elevated at 4.48
Future
88/100

Ref Growth rates

Positives
  • 53.3% YoY Earnings Growth
  • 10.8% Revenue Growth
  • Positive analyst target price of $45.00
Watchpoints
  • Recent 6-month price decline of 6.8%
Past
65/100

Ref Historical trends

Positives
  • 5Y Change of +57.4%
  • Consistent earnings beats in 2 of last 4 quarters
Watchpoints
  • Recent bearish technical momentum
Health
50/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • ROA of 1.18% is healthy for regional banks
Watchpoints
  • Piotroski F-Score of 4/9 is only 'Stable'
  • Altman Z-Score not provided/applicable
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • Zero dividend yield
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$37.78
Analyst Target
$45.0
Upside/Downside
+19.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FSUN and closest competitors.

Updated 2026-04-09
FSU
FirstSun Capital Bancorp
Primary
5Y
+57.4%
3Y
+37.4%
1Y
+9.5%
6M
-6.8%
1M
+4.5%
1W
+3.0%
CHC
City Holding Company
Peer
5Y
+75.8%
3Y
+51.0%
1Y
+16.2%
6M
+3.0%
1M
+6.3%
1W
+4.2%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+116.9%
3Y
+37.7%
1Y
-10.3%
6M
+1.4%
1M
-2.7%
1W
+1.0%
EZP
EZCORP, Inc.
Peer
5Y
+422.0%
3Y
+218.9%
1Y
+83.8%
6M
+47.9%
1M
+5.0%
1W
+7.7%
BLX
Banco Latinoamericano de Comercio Exterior, S. A.
Peer
5Y
+299.4%
3Y
+227.1%
1Y
+29.8%
6M
+12.0%
1M
+5.6%
1W
+3.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
10.55
Forward P/E
7.57
PEG Ratio
N/A
P/B Ratio
0.91
P/S Ratio
4.48
EV/Revenue
2.81
EV/EBITDA
N/A
Market Cap
$1.77B

Profitability

Profit margins and return metrics

Profit Margin 24.82%
Operating Margin 33.97%
Gross Margin N/A
ROE 8.92%
ROA 1.18%

Growth

Revenue and earnings growth rates

Revenue Growth +10.8%
Earnings Growth +53.3%
Q/Q Revenue Growth +11.8%
Q/Q Earnings Growth +51.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.47

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
24.8%
Total Assets
$8.5B
Liabilities
$7.3B
Equity
$1.2B
Debt/Equity
6.36x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-04
$N/A
2026-01-26
$0.95
+12.1% surprise
2025-10-27
$0.82
-7.6% surprise
2025-07-28
$0.93
+5.1% surprise

Financial Services Sector Comparison

Comparing FSUN against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
P/E Ratio
10.55
This Stock
vs
55.13
Sector Avg
-80.9% (Discount)
Return on Equity (ROE)
8.92%
This Stock
vs
-0.93%
Sector Avg
-1062.0% (Below Avg)
Profit Margin
24.82%
This Stock
vs
69.73%
Sector Avg
-64.4% (Weaker)
Revenue Growth
10.8%
This Stock
vs
32.66%
Sector Avg
-66.9% (Slower)

Similar Companies

Peer comparison within the same industry

FSUN FirstSun Capital Bancorp
BULLISH
Mkt Cap
$1.8B
P/E
10.6
ROE
8.9%
Price
$37.78
CHCO City Holding Company
BULLISH
Mkt Cap
$1.8B
P/E
13.9
ROE
16.9%
Price
$124.49
 Compare with FSUN
AGM-A Federal...
NEUTRAL
Mkt Cap
$1.8B
P/E
7.4
ROE
13.7%
Price
$129.0
 Compare with FSUN
EZPW EZCORP, Inc.
BULLISH
Mkt Cap
$1.7B
P/E
17.6
ROE
13.0%
Price
$28.03
 Compare with FSUN
BLX Banco...
NEUTRAL
Mkt Cap
$1.7B
P/E
7.9
ROE
15.0%
Price
$46.76
 Compare with FSUN

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

ARNOLD NEAL E.
Chief Executive Officer
Stock Award
2026-04-01
67,120 shares
SHAFER THOMAS C
Director
Stock Award
2026-04-01
80,415 shares
ENDEN HENCHY R
Director
Stock Award
2026-04-01
30 shares
HAMMOND KEVIN T
Director
Stock Award
2026-04-01
30 shares
MACKOVAK BENJAMIN
Director
Stock Award
2026-04-01
1,153,300 shares
PARKER C ALLEN
Director
Stock Award
2026-04-01
2,140 shares
FRAZIER LAURA J.
Officer
Stock Award
2026-04-01
10,236 shares
NORRIS JENNIFER L.
Officer
Stock Award
2026-04-01
9,443 shares
CAFERA ROBERT A
Chief Financial Officer
Stock Award
2026-04-01
15,933 shares
EDELSON SAM
Director
Stock Award
2026-04-01
2,140 shares
CARTER MOLLIE H
Officer and Director
Stock Award
2026-03-31
6,856 shares
MURPHY PETER E
Director
Buy
2026-03-16
1,500 shares · $52,917
MURPHY PETER E
Director
Stock Award
2026-01-23
50 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
4 analysts
Piper Sandler
2026-04-02
Maintains
Overweight Overweight
Keefe, Bruyette & Woods
2025-12-17
Maintains
Outperform Outperform
Keefe, Bruyette & Woods
2025-11-05
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning FSUN from our newsroom.

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