17.99 USD
-0.18 (-0.99%)
FINW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FINW scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FINW is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
- FINW had positive earnings in the past year.
- In the past year FINW has reported a negative cash flow from operations.
- Each year in the past 5 years FINW has been profitable.
- In multiple years FINW reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of FINW (1.59%) is better than 90.08% of its industry peers.
- With a Return On Equity value of 7.63%, FINW is not doing good in the industry: 61.62% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.59% | ||
| ROE | 7.63% | ||
| ROIC | N/A |
ROA(3y)3.6%
ROA(5y)4.38%
ROE(3y)11.97%
ROE(5y)16.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 13.65%, FINW is not doing good in the industry: 79.11% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of FINW has declined.
- FINW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.92%
PM growth 5Y-11.85%
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.
- FINW has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, FINW has more shares outstanding
- Compared to 1 year ago, FINW has an improved debt to assets ratio.
2.2 Solvency
- FINW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FINW have decreased by 0.00% in the last year.
- FINW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.40% yearly.
- The Revenue has grown by 30.95% in the past year. This is a very strong growth!
- The Revenue has been growing by 19.21% on average over the past years. This is quite good.
EPS 1Y (TTM)0%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%36%
Revenue 1Y (TTM)30.95%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%76.1%
3.2 Future
- Based on estimates for the next years, FINW will show a very strong growth in Earnings Per Share. The EPS will grow by 31.48% on average per year.
- The Revenue is expected to grow by 38.17% on average over the next years. This is a very strong growth
EPS Next Y33.11%
EPS Next 2Y38.78%
EPS Next 3Y31.48%
EPS Next 5YN/A
Revenue Next Year54.95%
Revenue Next 2Y46.27%
Revenue Next 3Y38.17%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 16.97, FINW is valued correctly.
- Based on the Price/Earnings ratio, FINW is valued a bit more expensive than 74.93% of the companies in the same industry.
- When comparing the Price/Earnings ratio of FINW to the average of the S&P500 Index (27.25), we can say FINW is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 9.94, the valuation of FINW can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, FINW is valued a bit cheaper than 62.40% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. FINW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.97 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FINW's earnings are expected to grow with 31.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)4.99
EPS Next 2Y38.78%
EPS Next 3Y31.48%
5. Dividend
5.1 Amount
- FINW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FINWISE BANCORP / FINW FAQ
What is the ChartMill fundamental rating of FINWISE BANCORP (FINW) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FINW.
Can you provide the valuation status for FINWISE BANCORP?
ChartMill assigns a valuation rating of 5 / 10 to FINWISE BANCORP (FINW). This can be considered as Fairly Valued.
How profitable is FINWISE BANCORP (FINW) stock?
FINWISE BANCORP (FINW) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for FINW stock?
The Price/Earnings (PE) ratio for FINWISE BANCORP (FINW) is 16.97 and the Price/Book (PB) ratio is 1.3.