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FirstSun Capital Bancorp FSUN R2K

Financial Services · Banks - Regional · United States
https://ir.firstsuncb.com

FirstSun Capital Bancorp operates as the bank holding company for Sunflower Bank, National Association that provides commercial and consumer banking and financial services to small and medium-sized companies in the United States. It operates through Banking and Mortgage Operations segments. The company offers noninterest and interest-bearing deposit accounts, checking and savings accounts, money market and term certificate accounts, and treasury management products and services, as well as certificates of deposit. It also provides commercial and industrial loans, commercial real estate loans, residential mortgage loans, and small business administration loans, as well as consumer loans, including car, boat, and other recreational vehicle loans. In addition, the company offers residential real estate loans comprising 1-4 family loans, home equity loans, and multi-family loans, as well as credit card accounts, overdrafts, and other revolving loans. Further, it provides remote deposit and cash management products; wealth management services include private banking, wealth planning, investment management, and trust and retirement plan services; and wealth management and trust products, including personal trust and agency accounts, employee benefit and retirement related trust and agency accounts, investment management and advisory agency accounts, and foundation and endowment trust and agency accounts. Additionally, the company offers online banking and bill payment services, online cash management, safe deposit box rentals, and debit card and ATM card services; and packaging and securitization of loans to governmental agencies. It operates through branches in Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington. The company was formerly known as Sunflower Financial, Inc. and changed its name to FirstSun Capital Bancorp in June 2017. FirstSun Capital Bancorp was founded in 1892 and is headquartered in Denver, Colorado.

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$35.45
-1.06% 1Y

Market & Price

Market Cap
$1.66B
Current Price
$35.45
High / Low (52W)
$41.40 / $30.16
Beta
0.23

Valuation

Stock P/E
10.43
Industry PE
12.01
Forward P/E
7.53
PEG Ratio
-
Book Value
$42.08
Price to Book
0.84
P/S
4.10
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
8.55%
ROA
1.14%
Profit Margin
23.75%
Op Margin
29.06%
EPS (Latest Qtr)
$0.76
EPS (TTM)
$3.40

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$168.62M
Total Assets
$8.49B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
33.40%
Chg in Prom Hold
-
FII / Inst Holding
29.56%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$1.39B
Total Revenue (TTM)
$403.97M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$72.76M
Shares Outstanding
44.12M
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
8.22%
Profit 5Y
18.28%
Revenue (YoY)
10.10%
Earnings (YoY)
-8.50%

PROS

  • Excellent profit margin of 23.8%.
  • Profit CAGR of 18.3% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FSUN FirstSun Capital Bancorp R2K 35.45 10.43 $1.66B - - 8.55% 8.22% 18.28%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --------------96.21M105.57M107.29M99.97M109.95M
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income -------------------
EBITDA -------------------
Interest Expense --------------35.97M38.42M40.17M35.81M33.35M
Pretax Income --------------29.68M32.96M28.29M31.96M26.36M
Tax Provision --------------6.12M6.58M5.11M7.16M4.78M
Net Income 14.40M14.75M14.34M11.28M8.73M7.67M430.00K26.51M26.28M28.01M25.23M12.30M24.56M22.42M23.57M26.39M23.17M24.81M21.58M
Diluted EPS 0.790.810.760.600.460.410.021.041.031.111.000.450.880.790.830.930.820.880.76

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---322.73M364.95M377.44M409.04M
Cost of Revenue -------
Gross Profit -------
Operating Expenses -------
Operating Income -------
EBITDA -------
Interest Expense ---25.18M120.25M162.63M150.38M
Pretax Income ---74.02M131.48M95.11M122.90M
Tax Provision ---14.84M27.95M19.48M24.96M
Net Income 20.50M47.59M43.16M59.18M103.53M75.63M97.94M
Diluted EPS 1.032.582.302.484.082.693.47

Compounded Sales Growth

5 Years:8.22%
1 Year:10.10%

Compounded Profit Growth

5 Years:18.28%
1 Year:-8.50%

Stock Price Performance

1 Year:-1.06%
6 Months:+2.84%
3 Months:-2.80%
1 Month:-0.08%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -4.19B5.00B-7.43B7.88B8.10B8.49B
Current Assets --------
Cash & Equivalents --201.98M-343.53M479.36M615.92M652.59M
Inventory --------
Receivables ----28.54M37.10M32.10M32.26M
Total Liabilities --4.51B-6.66B7.00B7.06B7.33B
Current Liabilities --------
Long Term Debt ----80.23M75.31M75.84M36.68M
Total Debt ----755.39M491.21M100.22M65.73M
Total Equity 430.20M430.20M485.79M-774.54M877.20M1.04B1.15B
Shares Outstanding ----24.92M24.96M27.71M27.89M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 3.90M-547.00K-96.92M125.18M101.12M111.48M
Investing Cash Flow -217.15M-662.91M--538.12M-327.28M-80.87M-330.20M
Financing Cash Flow 257.21M720.90M-116.27M337.94M116.31M255.39M
Capital Expenditure -6.91M-6.16M--2.20M-4.27M-5.41M-7.51M
Free Cash Flow -3.01M-6.70M-94.72M120.91M95.71M103.97M
Net Change in Cash ----324.94M135.84M136.56M36.67M
Share Buybacks 36.71M1.56M00---
Dividends Paid 32.00M008.00M26.00M07.60M

Ratios (Annual)

Figures in %.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------
Operating Margin % -------
Net Margin % ---18.3%28.4%20.0%23.9%
ROE % 4.8%9.8%-7.6%11.8%7.3%8.5%
ROCE % -------

Shareholding Pattern

Insiders
33.40%
Institutions
29.56%
Public Float
44.38%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 10.50% 2.88M $102.11M
2 Blackrock Inc. 3.23% 887.23K $31.45M
3 Stelac Advisory Services LLC 2.27% 623.70K $22.11M
4 Vanguard Capital Management LLC 2.24% 615.06K $21.80M
5 State Street Corporation 1.93% 529.96K $18.79M
6 MIRABELLA FINANCIAL SERVICES LLP 1.67% 459.40K $16.29M
7 Dimensional Fund Advisors LP 1.45% 398.36K $14.12M
8 Two Sigma Investments, LP 1.14% 313.84K $11.13M
9 Geode Capital Management, LLC 1.13% 309.97K $10.99M
10 Alliancebernstein L.P. 0.93% 256.05K $9.08M

Analyst View

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