FirstSun Capital Bancorp Financial Ratios — FSUN Stock

Profitability (USD)

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	8.55	9.11	12.54	7.88	8.92
Return on Assets (%)	- -	- -	0.81	0.9	1.35	0.95	1.18
Return on Capital (%)	- -	- -	7.52	5.57	7.14	6.03	8.3
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	11.07	20.48	18.97	22.94	36.03	25.2	30.05
Profit Margin (%)	10.35	17.05	15.8	18.34	28.37	20.04	23.94
Net Income to Common Margin (%)	10.35	17.05	15.8	18.34	28.37	20.04	23.94
Effective Tax Rate (%)	6.55	16.76	16.74	20.05	21.26	20.49	20.31
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	8.55	9.11	12.54	7.88	8.92

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	68	70	755	491	100	66
ST Debt	- -	- -	- -	644	389	- -	- -
LT Debt	- -	68	70	112	102	100	66
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	9.72	9.25	10.42	11.13	12.86	13.59
Long-Term Debt/Equity (%)	- -	14.07	13.34	14.4	11.6	9.62	5.7
Long-Term Debt/Capital (%)	- -	12.34	11.77	7.29	7.44	8.78	5.39
Long-Term Debt/Total Assets (%)	- -	1.37	1.23	1.5	1.29	1.24	0.77
Total Debt/Equity (%)	- -	14.07	13.34	97.53	56	9.62	5.7
Total Debt/Capital (%)	- -	12.34	11.77	49.37	35.9	8.78	5.39
Total Debt/Total Assets (%)	- -	1.37	1.23	10.17	6.23	1.24	0.77
Net Debt to Equity	- -	-27.51	-114.31	49.14	-1.66	-51.86	-53.4
Net Debt/Capital (%)	- -	-37.94	803.95	32.08	-1.64	-102.74	-108.72
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	9.72	9.25	10.42	11.13	12.86	13.59
Long-Term Debt/Equity (%)	- -	14.07	13.34	14.4	11.6	9.62	5.7
Long-Term Debt/Capital (%)	- -	12.34	11.77	7.29	7.44	8.78	5.39
Long-Term Debt/Total Assets (%)	- -	1.37	1.23	1.5	1.29	1.24	0.77
Total Debt/Equity (%)	- -	14.07	13.34	97.53	56	9.62	5.7
Total Debt/Capital (%)	- -	12.34	11.77	49.37	35.9	8.78	5.39
Total Debt/Total Assets (%)	- -	1.37	1.23	10.17	6.23	1.24	0.77
CFO/Total Liabilities	- -	-0.01	2.2	1.46	1.79	1.43	1.52
CFO/CapEx	0.56	-0.09	32.74	44.13	29.33	18.68	14.85
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	18.11	14.91	11.12	10.91	12.71
Days Sales Outstanding	- -	- -	20.16	24.49	32.83	33.46	28.71
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	1,110	1,050
- Cash & Cash Equivalents	- -	202	668	344	479	616	653
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	68	70	755	491	100	66
Enterprise Value	- -	- -	- -	- -	- -	125	462
Total Capital	- -	554	594	1,530	1,368	1,142	1,219
Total Debt/Capital (%)	- -	12.34	11.77	49.37	35.9	8.78	5.39
Total Debt / EV	- -	- -	- -	- -	- -	0.8	0.14
EV/Sales	- -	- -	- -	- -	- -	0.33	1.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	1.24	4.15
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	1.31	4.45
Diluted Market Cap	- -	- -	- -	- -	- -	1,124	1,063
Diluted Enterprise Value	- -	- -	- -	- -	- -	139	476
EV per Share	- -	- -	- -	- -	- -	4.51	16.58
TTM Sales	198	279	273	323	365	377	409
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	-1	113	97	125	101	111
TTM Free Cash Flow to Firm	-3	-7	110	95	121	96	104

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	11.75	10.23
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	125	462
Low Price	- -	- -	- -	- -	- -	33.35	29.95
EV/Sales	- -	- -	- -	- -	- -	0.33	1.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	14.53	10.68
Price/Earnings Average	- -	- -	- -	- -	- -	14.52	10.56
Price/Earnings High	- -	- -	- -	- -	- -	16.1	12.86
Price/Earnings Low	- -	- -	- -	- -	- -	12.1	8.5
Price/Book Value	- -	- -	- -	- -	- -	1.07	0.91
Price/Book Value Average	- -	- -	- -	- -	- -	1.07	0.9
Price/Book Value High	- -	- -	- -	- -	- -	1.18	1.1
Price/Book Value Low	- -	- -	- -	- -	- -	0.89	0.72
Price/Tangible Book Value	- -	- -	- -	- -	- -	1.3	1.08
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	1.3	1.07
Price/Tangible Book Value High	- -	- -	- -	- -	- -	1.44	1.31
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	1.08	0.86
Price/Sales	- -	- -	- -	- -	- -	2.91	2.56
Price/Sales Average	- -	- -	- -	- -	- -	2.91	2.53
Price/Sales High	- -	- -	- -	- -	- -	3.22	3.08
Price/Sales Low	- -	- -	- -	- -	- -	2.42	2.03
Price/Cash Flow	- -	- -	- -	- -	- -	10.87	9.38
Price/Cash Flow Average	- -	- -	- -	- -	- -	10.86	9.27
Price/Cash Flow High	- -	- -	- -	- -	- -	12.04	11.3
Price/Cash Flow Low	- -	- -	- -	- -	- -	9.05	7.46
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	11.74	10.11
Price/Free Cash Flow High	- -	- -	- -	- -	- -	13.01	12.31
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	9.78	8.14
EV/Sales Average	- -	- -	- -	- -	- -	0.33	1.1
EV/Sales High	- -	- -	- -	- -	- -	0.65	1.65
EV/Sales Low	- -	- -	- -	- -	- -	- -	0.61
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	40.05	37.64
High Price	- -	- -	- -	- -	- -	44.37	45.32
Enterprise Value Average	- -	- -	- -	- -	- -	124	450
Enterprise Value High	- -	- -	- -	- -	- -	245	677
Enterprise Value Low	- -	- -	- -	- -	- -	-61	248

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	18	25	25	25	25	28	28
Diluted Weighted Avg Shares	25	25	25	24	25	28	28
Basic Weighted Avg Shares	25	25	25	23	25	27	28
Revenue per Share	7.97	11.22	10.98	13.88	14.63	13.76	14.72
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.82	1.91	1.74	2.55	4.15	2.76	3.52
Basic EPS from Cont Ops	0.82	1.91	1.74	2.55	4.15	2.76	3.52
Diluted EPS, GAAP	0.82	1.91	1.74	2.48	4.08	2.69	3.47
Diluted EPS from Cont Ops	0.82	1.91	1.74	2.48	4.08	2.69	3.47
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.16	-0.02	4.55	4.17	5.02	3.69	4.01
Free Cash Flow per Basic Share	-0.12	-0.27	4.41	4.07	4.85	3.49	3.74
Cash & Equivalents per Share	- -	26.95	49.83	35.33	39.91	39.16	23.41
Book Value per Share	- -	19.53	21.04	31.08	35.14	37.58	41.36
Tangible Book Value per Share	- -	16.64	17.43	23.71	27.88	30.89	34.72