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FirstSun Capital Bancorp (FSUN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of FirstSun Capital Bancorp stock $32.04, price $38.91, that is 17.7% below the price, quality 53 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FC FirstSun Capital Bancorp logo Some data Nov 8, 2026

FirstSun Capital Bancorp

FSUN · US
Solid, but expensive

Our calculation puts a fair price 18% below what the stock costs today.

Healthy Growth (revenue 5y +13.7 %/yr in USD)
Solidly profitable · 11.8% net margin (TTM)
Revenue last quarter +80% vs. a year ago.
Quality 53/100
Moderate moat 49/100
Some data
Fair value $32.04 · Overvalued (−17.7%)
Trails peers (5/13)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$43.97 $24.00 Fair Value $32.04 Aug 2022 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

51‑month range $24.00 – $43.97 · fair‑value band $24.03 – $40.05 · the $38.91 price screens above the $32.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

FirstSun Capital Bancorp (FSUN) currently trades at $38.91, while our model-based Fair Value estimate is $32.04, 18% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $32.04 per share, and 0 of the 4 models we run sit above the $38.91 price.

Bear case: the Asset-Based group reads lowest at $16.47, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $24.03 (bear) to $40.05 (bull), the price of $38.91 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

FirstSun Capital Bancorp Common Stock reported revenue of $570M in FY2025 versus $287M in FY2021, a compound +18.7%/yr. Reported net income was $97.9M in FY2025, compounding +22.7%/yr from FY2021.

Key figures

Market cap $1.8B Small · P/E ratio 22.1 · P/S ratio 3.43 · EPS (TTM) $1.79 · Net margin 11.8% · Return on equity 4.2% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 37.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −18%, FSUN screens cheaper than that median.

Fair Value models

Bear $24.03 Fair Value $32.04 Bull $40.05
Price $38.91 · Downside -17.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.53 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $22.11 $23.68 $26.68 71
P/E Multiple $22.25 $29.66 $37.08 63
P/B Multiple $25.81 $34.41 $43.01 55
All 4 models by family
Multiples
P/E Multiple $22.25 $29.66 $37.08 63
P/B Multiple $25.81 $34.41 $43.01 55
Asset-Based
NCAV (Graham) $12.29 $16.47 $24.58 54
Economic Profit
Residual Income $22.11 $23.68 $26.68 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 64
Are margins and returns getting better?
Cashflow 72
Do the profits arrive as real cash?
Financial strength 26
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 65
Distance to the 52-week high, does not count
New shares 62
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • BuyPeter E MurphyDirector1,500 shares at $35.28$52,920Mar 16, 2026

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+14.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.1%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 22%

FSUN screens overvalued: fair value 18% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −17.7% · Above median
Profitability
Return on equity (12 months) 4.2% · Bottom 25%
Return on assets 1.2% · Above median
Net margin (12 months) 11.8% · Bottom 25%
Operating margin (12 months) 37.8% · Below median
Growth and dividend
Revenue growth (quarter YoY) 80.4% · Top 25%
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 22.1× · Priciest 25%
P/B 1.56× · Priciest 25%
P/S (12 months) 3.43× · Pricier than median
Price / free cash flow (fiscal year) 17.3× · Priciest 25%
EV/EBITDA 8.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)10 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)17 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FSUN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FSUN
BNP Paribas SA BNP €91.93 €106.01 +15% vs FSUN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FSUN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FSUN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FSUN
Mizuho Financial Group MFG $9.40 $5.90 −37% vs FSUN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FSUN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FSUN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FSUN

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FirstSun Capital Bancorp Common Stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "FirstSun Capital Bancorp Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/FSUN

Frequently asked questions

Is FirstSun Capital Bancorp (FSUN) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $32.04 versus a price of $38.91, about 18% lower (overvalued).
What is the fair value of FSUN?
Our model-based fair value for FirstSun Capital Bancorp is $32.04 (as of Nov 8, 2026), built from audited fundamentals. The current price: $38.91.
What is the quality score of FSUN?
FirstSun Capital Bancorp has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FirstSun Capital Bancorp (FSUN)?
Our model-based price target is the fair value of $32.04 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $24.03, optimistic scenario $40.05. It is a calculation from audited fundamentals, not an analyst target.
What is the FirstSun Capital Bancorp Common Stock stock forecast for 2026?
Our models put fair value at $32.04, about 18% lower versus a price of $38.91 (overvalued). Cautious scenario $24.03, optimistic scenario $40.05. The calculation is refreshed regularly with new filings.
What is the revenue of FirstSun Capital Bancorp (FSUN)?
FirstSun Capital Bancorp reported trailing-twelve-month revenue of about $525M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of FirstSun Capital Bancorp (FSUN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FirstSun Capital Bancorp it is $32.04 per share (as of Nov 8, 2026), against a price of $38.91. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is FirstSun Capital Bancorp Common Stock stock overvalued or undervalued in 2026?
As of Nov 8, 2026, FSUN trades above its calculated fair value: price $38.91, fair value $32.04, a gap of about −18% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FSUN?
No. The price is what the market pays today ($38.91); the fair value is what the company's own numbers justify ($32.04). For FirstSun Capital Bancorp the two are $6.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is FirstSun Capital Bancorp Common Stock worth?
The market values FirstSun Capital Bancorp at about $1.8B (market capitalisation, as of Nov 8, 2026). Per share that is $38.91; our models calculate a fair value of $32.04 per share.
What do the bullish and bearish scenarios say about FSUN?
Our models span a range for FirstSun Capital Bancorp: cautious scenario $24.03, base $32.04, optimistic $40.05 per share (as of Nov 8, 2026, price $38.91). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FSUN?
FirstSun Capital Bancorp trades at a price-to-earnings ratio of 22.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $32.04 is built from several models across several years. Other multiples: P/B 1.6, P/S 3.4, EV/EBITDA 8.9.
How solid is the balance sheet of FirstSun Capital Bancorp (FSUN)?
Balance-sheet figures for FirstSun Capital Bancorp (as of Nov 8, 2026): return on equity 4.2%, debt of 0.03 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is FSUN from its 52-week high?
FirstSun Capital Bancorp trades at $38.91, about 5% below its 52-week high of $41.11 and 29% above the low of $30.16 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $32.04 is for.
Which stocks are comparable to FirstSun Capital Bancorp Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FirstSun Capital Bancorp Common Stock stock attractive at the current price?
The data as of Nov 8, 2026: price $38.91, calculated fair value $32.04 (−18%), Quality Score 53/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FSUN calculated?
We run FirstSun Capital Bancorp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $32.04 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. FirstSun Capital Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FirstSun Capital Bancorp (FSUN)?
The closing price on Nov 6, 2026 was $38.91. Our model-based fair value is $32.04, about 18% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FirstSun Capital Bancorp Common Stock right now?
Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of FirstSun Capital Bancorp

How large is the market capitalisation of FirstSun Capital Bancorp (FSUN)?
The market capitalisation of FirstSun Capital Bancorp is $1.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FirstSun Capital Bancorp (FSUN)?
The price-to-sales ratio of FirstSun Capital Bancorp is 3.43 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FirstSun Capital Bancorp (FSUN)?
Earnings per share at FirstSun Capital Bancorp are $1.79 (price ÷ EPS = P/E 22.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FirstSun Capital Bancorp (FSUN)?
The net margin of FirstSun Capital Bancorp is 11.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FirstSun Capital Bancorp (FSUN)?
The return on equity (ROE) of FirstSun Capital Bancorp is 4.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FirstSun Capital Bancorp (FSUN)?
On an EBIT basis the return on assets of FirstSun Capital Bancorp is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FirstSun Capital Bancorp (FSUN)?
The operating margin of FirstSun Capital Bancorp is 37.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FirstSun Capital Bancorp (FSUN)?
Revenue at FirstSun Capital Bancorp is growing +80.4% versus a year earlier (3y avg +17.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does FirstSun Capital Bancorp (FSUN) generate?
The free cash flow of FirstSun Capital Bancorp is $104M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does FirstSun Capital Bancorp (FSUN) hold?
FirstSun Capital Bancorp holds more cash than debt, $616M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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