FirstSun Capital Bancorp (FSUN) AI Stock Analysis

FirstSun Capital Bancorp is the bank holding company for Sunflower Bank, National Association, delivering commercial and consumer banking services across the United States. Its operations are divided into Banking and Mortgage Operations segments. Product offerings include noninterest and interest-bearing deposits, checking, savings, money market, certificates of deposit, and treasury management solutions. On the lending side, it provides commercial and industrial loans, commercial real estate loans, residential mortgages, small business administration loans, consumer vehicle financing, home equity loans, and credit cards. It also supplies private banking, wealth planning, investment management, trust and retirement administration, remote deposit capture, and online banking services.

Between FY2021 and FY2025, FirstSun Capital Bancorp increased revenue from $287.4M to $569.6M, representing a 5-year CAGR of 13.7%. Operating margin rose from 18.0% in FY2021 to 22.0% in FY2025, while net margin moved from 15.0% to 17.2%. Net income was $97.9M in FY2025, recovering from $75.6M in FY2024 but below the $103.5M achieved in FY2023. Over the trailing twelve months, revenue was $446.6M with an operating margin of 23.5% and EPS of $1.67. For the latest quarter ended June 30, 2026, quarterly revenue grew 42.2% year-over-year, while quarterly earnings declined 8.4%.

As of June 30, 2026, FirstSun Capital Bancorp reported $989.5M in cash and short-term investments and $222.7M in total debt, creating a net cash position of $766.8M. Total assets stood at $15.72B and shareholders' equity was $1.84B, translating to a debt-to-equity ratio of 0.12 and a current ratio of 56.62. In FY2025, the company generated $111.5M in operating cash flow and $104.0M in free cash flow. Cash deployment in FY2025 included $7.5M for capital expenditures and $1.2M for share buybacks.

FSUN closed at $37.95 on October 16, 2026, giving it a market capitalization of $1.67B and an enterprise value of $1.04B. The stock trades at a trailing price-to-earnings multiple of 22.7x, compared to 12.1x for the median of its US-listed Financial Services peers. Its price-to-sales multiple is 3.7x, relative to the peer median of 3.2x, while its price-to-book ratio is 0.9x. Over the past year, FSUN shares returned 0.5%, lagging behind the 16.8% return for the S&P 500 (SPY).

Four analysts cover the stock, consisting of 2 Strong Buy ratings, 2 Buy ratings, and zero Hold, Sell, or Strong Sell recommendations. The mean price target is $45.75, representing a 20.6% upside from the last close of $37.95. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $662.9M and EPS of $3.31, representing an EPS decline of 7.0%. For next fiscal year, 4 analysts project revenue of $762.0M and EPS of $4.66. The company beat EPS estimates in 2 of the last 4 quarters, and the next earnings date is October 26, 2026.

This page is an AI-written research summary of FirstSun Capital Bancorp (FSUN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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