FirstSun Capital Bancorp

FirstSun Capital Bancorp

FSUNยทNASDAQ

$34.31

-2.3%
Financial ServicesBanks - Regional

FirstSun Capital Bancorp operates as a bank holding company for Sunflower Bank that provides a range of commercial and consumer banking, and financial services to small and medium-sized companies. The company offers deposit products, including noninterest bearing accounts, interest-bearing demand products, checking and savings accounts, money market and term certificate accounts, and certificates of deposit. It also provides commercial and industrial, owner-occupied and non-owner occupied commercial real estate mortgage, 1-4 family, home equity, and multi-family loans, as well as consumer loans comprising direct consumer installment loans, credit card accounts, overdrafts, and other revolving loans. In addition, it provides remote deposit and cash management products; treasury management products and 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. It provides its services through branches in Kansas, Colorado, New Mexico, Texas, and Arizona. 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.

At a Glance

Live Snapshot
Market Cap$954.49M
EPS3.5800
P/E Ratio9.58
Earnings Date07/27/2026
FirstSun Capital Bancorp

FirstSun Capital Bancorp Fair Value Envelope

FSUN ยท NASDAQ

Our analysis suggests that FSUN has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $34.31, this represents a potential HIDDEN relative to our calculated worth for FirstSun Capital Bancorp.

Intrinsic Value
Current Price: $34.31

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$3.1B
+ Cash & Equivalents$652.6M
Firm Value$3.8B
- Debt$36.7M
Equity Value$3.7B
/ Shares Outstanding27,835,050B
DCF Value$134
UNDERVALUED BY 291%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$121.1M
$131.6M
$142.9M
$155.3M
$168.7M
$183.3M
$199.1M
$216.3M
$235.0M
$255.3M
Maintenance CapEx
-$1.6M
-$1.8M
-$1.9M
-$2.1M
-$2.3M
-$2.5M
-$2.7M
-$2.9M
-$3.2M
-$3.4M
Owner Earnings
$119.5M
$129.8M
$141.0M
$153.2M
$166.4M
$180.8M
$196.4M
$213.4M
$231.8M
$251.8M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$110.6M
$111.3M
$111.9M
$112.6M
$113.3M
$113.9M
$114.6M
$115.3M
$116.0M
$116.6M
Terminal Value represents 63.6% of Enterprise Value