FirstSun Capital Bancorp (FSUN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

FirstSun Capital Bancorp

NasdaqGS•Financial Services•Banks - Regional

$40.67-0.25(-0.01%)Pre-market

Market Cap

$1.90B

P/E

40.7x

P/S

2.7x

P/B

1.0x

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.

How this company scores

WeakMetricSide Score: 53/100

Grade capped at D — Interest coverage below 1× (0.2x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (20/25); weakest: Profitability (6/25).

Profitability6/25

Growth14/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality20/25

Strengths

Growing revenueRising free cash flowLow leverageConsistent growth

Grade capped at D

Interest coverage below 1× (0.2x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 40.7x5y range 10.1x – 40.7x

Currently above its 18-quarter median.

P/S · 2.7x5y range 1.7x – 3.0x

Currently near its 18-quarter median.

P/B · 1.0x5y range 0.8x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 38.8% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $1.90B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $707.74M
Q. Revenue: $270.96M
TTM EBITDA: $67.72M
TTM Op. Income: $58.64M
Q. Op. Income: $-27.97M
TTM Net Income: $46.71M
Q. Net Income: $-22.85M
EPS: $-0.49
Shares Out.: $46.72M

$707.74M in TTM revenue grew 27.6% YoY, reaching $270.96M last quarter. TTM EBITDA of $67.72M and TTM operating income of $58.64M show growth is flowing through to the bottom line. TTM net income of $46.71M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 68.0%
EBITDA Margin: -9.3%
Op. Margin: -10.3%
Net Margin: -8.4%

Op. margin of -10.3% is down 33.2% YoY — costs are rising relative to revenue. Net margin at -8.4% and gross margin of 68.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 40.7x
P/S Ratio: 2.7x
P/B Ratio: 1.0x

At 40.7x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 2.7x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 274% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $15.72B
Cash: $989.51M
Long-Term Debt: $205.26M
Book Value: $1.84B
D/E Ratio: 0.1
Debt/EBITDA: N/A

With $15.72B in assets and $205.26M in long-term debt, D/E is 0.1and book value is $1.84B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 61% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.10B
TTM Free Cash Flow: $1.16B
FCF Margin: 163.5%
FCF / Net Income: 24.8

TTM FCF of $1.16B on $1.10B in operating cash flow. The FCF / Net Income ratio of 24.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 1228% — an improving trend.