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FINWISE BANCORP (FINW) Stock Fundamental Analysis

NASDAQ:FINW - Nasdaq - US31813A1097 - Common Stock - Currency: USD

14.505  -0.19 (-1.33%)

Fundamental Rating

3

FINW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. FINW may be in some trouble as it scores bad on both profitability and health. FINW has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FINW was profitable.
FINW had a negative operating cash flow in the past year.
FINW had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: FINW reported negative operating cash flow in multiple years.
FINW Yearly Net Income VS EBIT VS OCF VS FCFFINW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.66%, FINW belongs to the top of the industry, outperforming 93.16% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.11%, FINW is doing worse than 60.51% of the companies in the same industry.
Industry RankSector Rank
ROA 1.66%
ROE 7.11%
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
FINW Yearly ROA, ROE, ROICFINW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of FINW (15.27%) is worse than 74.18% 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 RankSector Rank
OM N/A
PM (TTM) 15.27%
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
FINW Yearly Profit, Operating, Gross MarginsFINW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 10 20 30

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2

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 more shares outstanding
Compared to 5 years ago, FINW has more shares outstanding
The debt/assets ratio for FINW has been reduced compared to a year ago.
FINW Yearly Shares OutstandingFINW Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
FINW Yearly Total Debt VS Total AssetsFINW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

A Debt/Equity ratio of 0.00 indicates that FINW is not too dependend on debt financing.
FINW has a better Debt to Equity ratio (0.00) than 88.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.7%
FINW Yearly LT Debt VS Equity VS FCFFINW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FINW Yearly Current Assets VS Current LiabilitesFINW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The earnings per share for FINW have decreased strongly by -29.07% in the last year.
Measured over the past 5 years, FINW shows a small growth in Earnings Per Share. The EPS has been growing by 3.40% on average per year.
FINW shows a small growth in Revenue. In the last year, the Revenue has grown by 7.61%.
The Revenue has been growing by 19.21% on average over the past years. This is quite good.
EPS 1Y (TTM)-29.07%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%-8%
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%17.18%

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 32.58% on average per year.
FINW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.29% yearly.
EPS Next Y13.39%
EPS Next 2Y32.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.45%
Revenue Next 2Y18.29%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
FINW Yearly Revenue VS EstimatesFINW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
FINW Yearly EPS VS EstimatesFINW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.77, which indicates a correct valuation of FINW.
FINW's Price/Earnings ratio is a bit more expensive when compared to the industry. FINW is more expensive than 73.42% of the companies in the same industry.
FINW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
FINW is valuated reasonably with a Price/Forward Earnings ratio of 8.78.
Based on the Price/Forward Earnings ratio, FINW is valued a bit cheaper than 63.80% of the companies in the same industry.
FINW is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.77
Fwd PE 8.78
FINW Price Earnings VS Forward Price EarningsFINW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FINW Per share dataFINW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FINW's earnings are expected to grow with 32.58% in the coming years.
PEG (NY)1.18
PEG (5Y)4.64
EPS Next 2Y32.58%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FINW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FINWISE BANCORP

NASDAQ:FINW (5/28/2025, 1:19:30 PM)

14.505

-0.19 (-1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners26.61%
Inst Owner Change6.5%
Ins Owners31.9%
Ins Owner Change0%
Market Cap191.61M
Analysts84
Price Target19.76 (36.23%)
Short Float %0.57%
Short Ratio2.39
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.38%
Min EPS beat(2)-1.96%
Max EPS beat(2)16.71%
EPS beat(4)3
Avg EPS beat(4)12.13%
Min EPS beat(4)-1.96%
Max EPS beat(4)27.19%
EPS beat(8)6
Avg EPS beat(8)24.07%
EPS beat(12)8
Avg EPS beat(12)14.29%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.05%
Min Revenue beat(2)-0.24%
Max Revenue beat(2)0.35%
Revenue beat(4)1
Avg Revenue beat(4)-2.57%
Min Revenue beat(4)-5.54%
Max Revenue beat(4)0.35%
Revenue beat(8)3
Avg Revenue beat(8)-0.88%
Revenue beat(12)6
Avg Revenue beat(12)0.47%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-10.58%
PT rev (3m)-10.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.66%
EPS NY rev (1m)-6.7%
EPS NY rev (3m)-6.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)-3.15%
Revenue NY rev (3m)-3.02%
Valuation
Industry RankSector Rank
PE 15.77
Fwd PE 8.78
P/S 2.37
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)0.92
EY6.34%
EPS(NY)1.65
Fwd EY11.39%
FCF(TTM)-1.51
FCFYN/A
OCF(TTM)-1.13
OCFYN/A
SpS6.12
BVpS13.15
TBVpS13.15
PEG (NY)1.18
PEG (5Y)4.64
Profitability
Industry RankSector Rank
ROA 1.66%
ROE 7.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.27%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score3
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 92.55%
Cap/Sales 6.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC14.7%
ROIC/WACCN/A
Cap/Depr(3y)209.98%
Cap/Depr(5y)200.65%
Cap/Sales(3y)8.01%
Cap/Sales(5y)5.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-29.07%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%-8%
EPS Next Y13.39%
EPS Next 2Y32.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%17.18%
Revenue Next Year17.45%
Revenue Next 2Y18.29%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-513.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-222.23%
OCF growth 3YN/A
OCF growth 5YN/A