FirstSun Capital Bancorp (FSUN) Fair Value & Analysis

Financial Services · US · Market cap $1.7B

A solid business, but screening 27% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($36.07). The favourable scenario is already priced in.
• Solid but not exceptional quality (52/100) 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.

Price vs Fair Value (4 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

48‑month range $24.00 – $43.97 · fair‑value band $21.64 – $36.07 · the $39.68 price screens above the $28.85 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

FirstSun Capital Bancorp (FSUN) currently trades at $39.68, while our model-based Fair Value estimate is $28.85, implying the stock looks roughly 27.3% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, FirstSun Capital Bancorp generated revenue of $404M at a net margin of 23.8%. Revenue grew 10.1% year over year. It earns a return on equity of 8.6%. The balance sheet holds a net cash position of $616M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $21.64 (bear case) to $36.07 (bull case); at $39.68, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 32% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -27%, FSUN screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($28.85) versus Asset-Based ($17.51). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

FirstSun Capital Bancorp 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.

FSUN screens 27% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.