FINWISE BANCORP (FINW) Fundamental Analysis & Valuation

NASDAQ:FINW • US31813A1097

16.24 USD
-0.13 (-0.79%)
At close: Mar 6, 2026
16.24 USD
0 (0%)
After Hours: 3/6/2026, 8:17:44 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FINW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, FINW scores 4 out of 10 in our fundamental rating. FINW was compared to 381 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.


Dividend Valuation Growth Profitability Health

2

1. FINW Profitability Analysis

1.1 Basic Checks

  • FINW had positive earnings in the past year.
  • FINW had a negative operating cash flow in the past year.
  • Of the past 5 years FINW 4 years were profitable.
  • In multiple years FINW reported negative operating cash flow during the last 5 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

  • With an excellent Return On Assets value of 1.59%, FINW belongs to the best of the industry, outperforming 89.24% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.63%, FINW is doing worse than 64.83% of the companies in the same industry.
Industry RankSector 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
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

  • Looking at the Profit Margin, with a value of 13.65%, FINW is doing worse than 80.58% of the companies in the same industry.
  • FINW's Profit Margin has declined in the last couple of years.
  • 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) 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. FINW Health Analysis

2.1 Basic Checks

  • FINW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FINW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • FINW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.65%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FINW Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.21% over the past year.
  • FINW shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.34% yearly.
EPS 1Y (TTM)20.21%
EPS 3Y-16.34%
EPS 5YN/A
EPS Q2Q%35%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%121.7%

3.2 Future

  • The Earnings Per Share is expected to grow by 35.96% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 59.09% on average over the next years. This is a very strong growth
EPS Next Y49.82%
EPS Next 2Y35.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year87.1%
Revenue Next 2Y59.09%
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.
FINW Yearly Revenue VS EstimatesFINW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
FINW Yearly EPS VS EstimatesFINW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. FINW Valuation Analysis

4.1 Price/Earnings Ratio

  • FINW is valuated correctly with a Price/Earnings ratio of 14.37.
  • Based on the Price/Earnings ratio, FINW is valued a bit more expensive than 71.13% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. FINW is valued slightly cheaper when compared to this.
  • FINW is valuated reasonably with a Price/Forward Earnings ratio of 9.59.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FINW indicates a somewhat cheap valuation: FINW is cheaper than 61.42% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FINW to the average of the S&P500 Index (24.60), we can say FINW is valued rather cheaply.
Industry RankSector Rank
PE 14.37
Fwd PE 9.59
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

  • FINW's 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 35.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y35.96%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FINW Dividend Analysis

5.1 Amount

  • FINW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FINW Fundamentals: All Metrics, Ratios and Statistics

FINWISE BANCORP

NASDAQ:FINW (3/6/2026, 8:17:44 PM)

After market: 16.24 0 (0%)

16.24

-0.13 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners29.49%
Inst Owner Change-3.76%
Ins Owners30.59%
Ins Owner Change0.03%
Market Cap221.84M
Revenue(TTM)N/A
Net Income(TTM)14.32M
Analysts84
Price Target22.44 (38.18%)
Short Float %1.27%
Short Ratio5.44
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)2
Avg EPS beat(2)20.07%
Min EPS beat(2)12.36%
Max EPS beat(2)27.78%
EPS beat(4)2
Avg EPS beat(4)6.65%
Min EPS beat(4)-11.57%
Max EPS beat(4)27.78%
EPS beat(8)6
Avg EPS beat(8)9.78%
EPS beat(12)9
Avg EPS beat(12)19.49%
EPS beat(16)11
Avg EPS beat(16)17.09%
Revenue beat(2)2
Avg Revenue beat(2)19.43%
Min Revenue beat(2)11.41%
Max Revenue beat(2)27.45%
Revenue beat(4)3
Avg Revenue beat(4)8.72%
Min Revenue beat(4)-4.31%
Max Revenue beat(4)27.45%
Revenue beat(8)4
Avg Revenue beat(8)3.82%
Revenue beat(12)6
Avg Revenue beat(12)3.56%
Revenue beat(16)9
Avg Revenue beat(16)3.33%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)15.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.68%
Valuation
Industry RankSector Rank
PE 14.37
Fwd PE 9.59
P/S 2.11
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)1.13
EY6.96%
EPS(NY)1.69
Fwd EY10.42%
FCF(TTM)-3.05
FCFYN/A
OCF(TTM)-2.62
OCFYN/A
SpS7.68
BVpS13.75
TBVpS13.75
PEG (NY)0.29
PEG (5Y)N/A
Graham Number18.69
Profitability
Industry RankSector Rank
ROA 1.59%
ROE 7.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.65%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score2
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 121.71%
Cap/Sales 5.55%
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-Score2
WACC13.65%
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)20.21%
EPS 3Y-16.34%
EPS 5YN/A
EPS Q2Q%35%
EPS Next Y49.82%
EPS Next 2Y35.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%121.7%
Revenue Next Year87.1%
Revenue Next 2Y59.09%
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-306.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-233.05%
OCF growth 3YN/A
OCF growth 5YN/A

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 14.37 and the Price/Book (PB) ratio is 1.18.