FINWISE BANCORP (FINW)
US31813A1097 - Common Stock
We assign a fundamental rating of 4 out of 10 to FINW. FINW was compared to 411 industry peers in the Banks industry. The financial health of FINW is average, but there are quite some concerns on its profitability. FINW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
FINW had positive earnings in the past year.
FINW had a positive operating cash flow in the past year.
In the past 5 years FINW has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: FINW reported negative operating cash flow in multiple years.
1.2 Ratios
FINW's Return On Assets of 2.93% is amongst the best of the industry. FINW outperforms 98.54% of its industry peers.
The Return On Equity of FINW (11.07%) is better than 69.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.93% | ||
| ROE | 11.07% | ||
| ROIC | N/A |
ROA(3y)5.66%
ROA(5y)5.14%
ROE(3y)18.21%
ROE(5y)21.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FINW's Profit Margin of 22.69% is in line compared to the rest of the industry. FINW outperforms 43.55% of its industry peers.
In the last couple of years the Profit Margin of FINW has declined.
The Operating Margin and Gross Margin are not available for FINW so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.64%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FINW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FINW has less shares outstanding
The debt/assets ratio for FINW has been reduced compared to a year ago.
2.2 Solvency
FINW has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of all of its debts.
FINW has a better Debt to FCF ratio (0.04) than 87.35% of its industry peers.
FINW has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
FINW has a better Debt to Equity ratio (0.00) than 87.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FINW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.73%.
Measured over the past years, FINW shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.10% on average per year.
Looking at the last year, FINW shows a very negative growth in Revenue. The Revenue has decreased by -14.33% in the last year.
FINW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.55% yearly.
EPS 1Y (TTM)-30.73%
EPS 3Y16.1%
EPS 5YN/A
EPS growth Q2Q-34.69%
Revenue 1Y (TTM)-14.33%
Revenue growth 3Y21.55%
Revenue growth 5YN/A
Revenue growth Q2Q-9.04%
3.2 Future
The Earnings Per Share is expected to decrease by -5.12% on average over the next years.
FINW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.88% yearly.
EPS Next Y-24.47%
EPS Next 2Y-5.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.65%
Revenue Next 2Y11.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.95, the valuation of FINW can be described as very cheap.
74.45% of the companies in the same industry are more expensive than FINW, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 24.92, FINW is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.55, the valuation of FINW can be described as very reasonable.
FINW's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FINW to the average of the S&P500 Index (21.49), we can say FINW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FINW is valued more expensive than 81.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FINW's earnings are expected to decrease with -5.12% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.12%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FINW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FINWISE BANCORP
NASDAQ:FINW (4/26/2024, 7:00:00 PM)
After market: 10.65 0 (0%)10.65
+0.05 (+0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap136.53M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 10.55 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.93% | ||
| ROE | 11.07% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-30.73%
EPS 3Y16.1%
EPS 5Y
EPS growth Q2Q
EPS Next Y-24.47%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.33%
Revenue growth 3Y21.55%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y