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What this page is: Delvantic's full research page for FirstSun Capital Bancorp (FSUN) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
Page map (sections in order; each card carries a stable
reference-name attribute you can cite):
profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
More for machine readers: site briefing at
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any ticker resolves at delvantic.com/stock/TICKER ·
raw inputs are public-company filings and market data (via licensed data feeds);
every model, score, lens read, and prediction on this page is Delvantic's own analysis.
Financial Services · Banks - Regional
Denver, CO 80202, United States
ir.firstsuncb.com
Price
$39.23
Market Cap
$1.9B
Employees
1,630
Beta
0.19
Avg Volume
355,120
CEO
Mr. Neal E. Arnold
FirstSun Capital Bancorp operates as a bank holding company engaged in providing comprehensive financial services through its subsidiary banks. It plays a key role in offering traditional banking products such as deposit accounts, personal and commercial lending, and cash management services. Its primary function is to serve small to medium-sized businesses and individual consumers across its operating regions, ensuring access to essential financial solutions tailored to meet varied demands. By focusing on relationship banking, FirstSun Capital Bancorp has a notable impact on the retail and commercial banking sectors, particularly in regional communities where it enhances economic activity through lending and investment services. Additionally, its strategic market presence is significant for fostering local economic growth, contributing to the financial well-being and development of the communities it serves. With a commitment to maintaining robust client relationships and adhering to rigorous regulatory standards, FirstSun Capital Bancorp is a pivotal player in its markets, illustrating the vital role of regional banks in the broader financial ecosystem.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 4 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Jul 27, 2026.
EPS surprise history — vs analyst consensus · 5 prints of vendor history
+4.5%
Jul '25
-7.9%
Oct '25
+11.8%
Jan '26
-3.4%
Apr '26
+25.0%
Jul '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 27, 2026 | $0.36 | $0.45 +25.0% | — | — |
| Apr 27, 2026 | $0.87 | $0.84 -3.4% | — | — |
| Jan 26, 2026 | $0.85 | $0.95 +11.8% | — | — |
| Oct 27, 2025 | $0.89 | $0.82 -7.9% | — | — |
| Jul 28, 2025 | $0.89 | $0.93 +4.5% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Jul 27, 2026 | 8-K | View |
| Jul 9, 2026 | 8-K | View |
| Jul 1, 2026 | 8-K | View |
| Jun 25, 2026 | 8-K | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
| Jun 10, 2026 | 4 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 4, 2026 2:37am (just now)
Current data · timestamped when a report runs
$39.25
Change · Aug 4
+0.57 (+1.47%)
Day Range
$39.02 – $40.61
52-Week Range
$29.95 – $42.34
50-Day MA
$36.51
200-Day MA
$36.79
Volume
387,816.00
Share Structure
Outstanding
46,765,434.00
Float
34,662,540.00
Free Float
74.1%
Normal free float
— 74.1% of shares trade freely, ~25.9% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
11.31
Stock Price: $39.23
EPS (Diluted): 3.47
EPS (Diluted): 3.47
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
0.96
Stock Price: $39.23
Total Equity: $1.15B
Shares: 28,223,631
Total Equity: $1.15B
Shares: 28,223,631
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $1.94B
Total Debt: $0.00
Cash: $652.59M
EBITDA: N/A
Total Debt: $0.00
Cash: $652.59M
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$1.3B
Market Cap: $1.94B
Total Debt: $0.00
Cash: $652.59M
Total Debt: $0.00
Cash: $652.59M
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $409.04M
Revenue: $409.04M
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $409.04M
Revenue: $409.04M
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
23.9%
Net Income: $97.94M
Revenue: $409.04M
Revenue: $409.04M
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
8.5%
Net Income: $97.94M
Total Equity: $1.15B
Total Equity: $1.15B
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 20.3%
Equity: $1.15B
Total Debt: $0.00
Cash: $652.59M
Tax Rate: 20.3%
Equity: $1.15B
Total Debt: $0.00
Cash: $652.59M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $1.15B
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $1.15B
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$14.49
Revenue: $409.04M
Shares: 28,223,631
Shares: 28,223,631
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$40.86
Total Equity: $1.15B
Shares: 28,223,631
Shares: 28,223,631
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$3.68
Operating CF: $111.48M
CapEx: -$7.51M
Shares: 28,223,631
CapEx: -$7.51M
Shares: 28,223,631
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
—
Last Dividend: $0.00
Stock Price: $39.23
Stock Price: $39.23
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
7.8%
Dividends Paid: -$7.60M
Net Income: $97.94M
Net Income: $97.94M
Income Statement (Annual)
Last updated: Aug 4, 2026 2:37am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $273.2M | $322.7M | $365.0M | $377.4M | $409.0M |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $158.6M | $142.0M | $142.5M | $164.2M | $180.4M |
| Operating Income | — | — | — | — | — |
| Net Income | $43.2M | $59.2M | $103.5M | $75.6M | $97.9M |
| EBITDA | — | — | — | — | — |
| EPS | $1.74 | $2.55 | $4.15 | $2.76 | $3.52 |
| EPS (Diluted) | $1.74 | $2.48 | $4.08 | $2.69 | $3.47 |
Balance Sheet (Annual)
Last updated: Aug 4, 2026 2:37am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $668.5M | $343.5M | $479.4M | $615.9M | $652.6M |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $5.7B | $7.4B | $7.9B | $8.1B | $8.5B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | — | — | — | — | — |
| Total Liabilities | $5.1B | $6.7B | $7.0B | $7.1B | $7.3B |
| Total Equity | $524.0M | $774.5M | $877.2M | $1.0B | $1.2B |
| Retained Earnings | $298.6M | $357.8M | $457.5M | $533.2M | $631.1M |
Cash Flow (Annual)
Last updated: Aug 4, 2026 2:37am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $113.1M | $96.9M | $125.2M | $101.1M | $111.5M |
| Capital Expenditure | -$3.5M | -$2.2M | -$4.3M | -$5.4M | -$7.5M |
| Free Cash Flow | $109.7M | $94.7M | $120.9M | $95.7M | $104.0M |
| Acquisitions (net) | $0 | $444.5M | $0 | $0 | — |
| Net Debt Issued / (Repaid) | — | — | — | — | — |
| Dividends Paid | $0 | $-8,000 | -$26.0M | $0 | -$7.6M |
| Stock Buybacks | $0 | $0 | — | — | — |
| Net Change in Cash | $466.5M | -$324.9M | $135.8M | $136.6M | $36.7M |
Growth Trends (YoY %)
Last updated: Aug 4, 2026 2:37am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +18.1% | +13.1% | +3.4% | +8.4% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | +37.1% | +74.9% | -27.0% | +29.5% |
| EBITDA Growth | — | — | — | — |
Industry Benchmarks
Compares FSUN against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for FSUN — it's generated by the pipeline (
market-narrative step).
Claude Reading
No AI findings yet for FSUN — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for FSUN — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for FSUN — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · three lenses
Character & Durability Scorecard
Ten long-horizon business-character traits the Quality / Value / Sentiment lenses don’t break out, scored 1–10.
No scorecard yet for FSUN — the ten traits are scored by the
pipeline (
ext-scorecard step) when a report is run on this ticker.
No community reviews yet for FSUN.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.504 · 18d1355d · 2026-08-03 20:49:00