📊 FSUN Key Takeaways
Is Firstsun Capital Bancorp (FSUN) a Good Investment?
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.
FIRSTSUN CAPITAL BANCORP shows solid underlying fundamentals, with strong reported revenue growth, healthy profitability, and positive free cash flow generation. However, the quality of that growth is mixed because net income was essentially flat year over year despite much higher revenue, while ROE remains only moderate for a bank. The company appears financially sound, but the next step is proving that balance sheet scale and revenue expansion can translate into stronger earnings efficiency.
Why Buy Firstsun Capital Bancorp Stock? 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
- Strong revenue growth of 47.4% year over year
- Healthy profitability with 20.9% net margin and 1.2% ROA
- Positive operating cash flow and strong free cash flow generation
FSUN Stock Risks: Firstsun Capital Bancorp Investment Risks
- 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
- Net income was flat despite rapid revenue growth, suggesting weaker earnings conversion
- ROE of 8.5% is only moderate and may indicate limited capital efficiency
- Interest coverage of 3.1x suggests less room for error if funding costs or credit stress rise
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
- Net interest margin and efficiency ratio
- Credit quality trends including nonperforming assets and charge-offs
Firstsun Capital Bancorp (FSUN) Financial Metrics & Key Ratios
💡 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 Profit Margin, ROE & Profitability Analysis
FSUN vs Finance Sector: How Firstsun Capital Bancorp Compares
How Firstsun Capital Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Firstsun Capital Bancorp Stock Overvalued? FSUN Valuation Analysis 2026
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.
Firstsun Capital Bancorp Balance Sheet: FSUN Debt, Cash & Liquidity
FSUN Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
Firstsun Capital Bancorp Dividends, Buybacks & Capital Allocation
FSUN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Firstsun Capital Bancorp (CIK: 0001709442)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775170664.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775170598.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775167094.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775164504.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775158548.xml | View → |
❓ Frequently Asked Questions about FSUN
What is the AI rating for FSUN?
Firstsun Capital Bancorp (FSUN) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 74% combined 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. ChatGPT: Strong revenue growth of 47.4% year over year. Healthy profitability with 20.9% net margin and 1.2% ROA.
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. ChatGPT: Net income was flat despite rapid revenue growth, suggesting weaker earnings conversion. ROE of 8.5% is only moderate and may indicate limited capital efficiency.
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 April 2026, Firstsun Capital Bancorp has a BUY rating with 74% 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).