FSUN
FIRSTSUN CAPITAL BANCORP
Financials • CIK: 0001709442
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Market Cap
$1.08B
P/E (TTM)
12.0x
Rev Growth (TTM)
+8.1%
Net Margin (TTM)
21.9%
FCF Yield (TTM)
8.1%
FCF Margin (TTM)
21.5%
Cash Flow Health
Free Cash Flow7/8 positive
TTM$88M
Q3 '25
$48M+266%
Q2 '25
$13M-47%
FCF Margin
TTM21.5%
Q3 '2544.4%+260%
Sector: 22.2%Below Avg
OCF Margin23.5%
OCF/NI1.07x
CapEx Coverage11.9x
FCF Yield8.1%
FCF Growth (2Y)-3%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Total Shareholder Yield
TTM0.0%
Div Yield0.0%
Insufficient data
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$87.7M
Capital Return / FCF0.0%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.00x
8Q: 0.05x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
CapEx/Depreciation
0.99x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $407.7M | $107.3M↑1.6% | $105.6M↑9.7% | $96.2M↓2.5% | $98.7M↑0.5% | $98.2M↑2.1% | $96.2M↑2.7% | $93.6M↑4.8% | $89.3M |
Operating Income | $134.3M | $38.4M↑2.5% | $37.5M↑11.9% | $33.5M | $0↓100.0% | $25.0M↓25.5% | $33.6M↑3.9% | $32.3M↑1.6% | $31.8M |
Net Income | $89.5M | $23.2M↓12.2% | $26.4M↑12.0% | $23.6M↑44.2% | $16.4M↓27.1% | $22.4M↓8.7% | $24.6M↑99.7% | $12.3M↓48.8% | $24.0M |
Operating Cash Flow | $95.7M | $49.4M↑229.0% | $15.0M↓43.1% | $26.4M↑431.1% | $5.0M↓89.7% | $48.1M↑130.0% | $20.9M↓22.7% | $27.1M↓33.9% | $41.0M |
Free Cash Flow | $87.7M | $47.6M↑265.8% | $13.0M↓46.5% | $24.3M | $0↓100.0% | $2.7M↓94.3% | $47.1M↑137.0% | $19.9M↓23.9% | $26.1M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
12.0x
Valuation Lenses
Earnings
12.0x
vs – sector
Cash Flow
12.3x
EV/FCF vs –
Growth-Adj
1.5xPEG
Fair for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
–
Total Yield
–
Market Cap$1.08B
EV$1.08B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
100/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)
–
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.07x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
57/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
8.1%
OpInc Growth YoY
53.5%
EPS Growth YoY
2.6%
FCF 3Y CAGR
-2.5%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 10.6%
Margin Quality & Sustainability
High Quality
Profitability Cascade
Gross
—
Operating
—
Net
21.9%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-0.4 pts
FCF: 21.5% | Net: 21.9%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $659.90M
Interest Coverage
–
+Net cash position: $659.90M
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis