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FINWISE BANCORP (FINW) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FINW - US31813A1097 - Common Stock

18.05 USD
0 (0%)
Last: 11/28/2025, 7:30:30 PM
18.05 USD
0 (0%)
After Hours: 11/28/2025, 7:30:30 PM
Fundamental Rating

4

Overall FINW gets a fundamental rating of 4 out of 10. We evaluated FINW against 387 industry peers in the Banks industry. The financial health of FINW is average, but there are quite some concerns on its profitability. FINW is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FINW had positive earnings in the past year.
FINW had a negative operating cash flow in the past year.
In the past 5 years FINW has always been 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

FINW's Return On Assets of 1.54% is amongst the best of the industry. FINW outperforms 88.63% of its industry peers.
FINW has a worse Return On Equity (7.14%) than 64.86% of its industry peers.
Industry RankSector Rank
ROA 1.54%
ROE 7.14%
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

FINW's Profit Margin of 14.57% is on the low side compared to the rest of the industry. FINW is outperformed by 78.81% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 14.57%
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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4

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.
FINW has more shares outstanding than it did 5 years ago.
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

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
WACC13.06%
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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7

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.
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)0%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%36%
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%76.1%

3.2 Future

The Earnings Per Share is expected to grow by 31.48% on average over the next years. This is a very strong growth
FINW is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 38.17% yearly.
EPS Next Y30.94%
EPS Next 2Y37.74%
EPS Next 3Y31.48%
EPS Next 5YN/A
Revenue Next Year45.24%
Revenue Next 2Y46.27%
Revenue Next 3Y38.17%
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 accelerating.
FINW Yearly Revenue VS EstimatesFINW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.03, FINW is valued on the expensive side.
75.71% of the companies in the same industry are cheaper than FINW, based on the Price/Earnings ratio.
FINW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.
FINW is valuated reasonably with a Price/Forward Earnings ratio of 10.12.
FINW's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.59. FINW is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17.03
Fwd PE 10.12
FINW Price Earnings VS Forward Price EarningsFINW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
A more expensive valuation may be justified as FINW's earnings are expected to grow with 31.48% in the coming years.
PEG (NY)0.55
PEG (5Y)5.01
EPS Next 2Y37.74%
EPS Next 3Y31.48%

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0

5. Dividend

5.1 Amount

No dividends for FINW!.
Industry RankSector Rank
Dividend Yield N/A

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FINWISE BANCORP

NASDAQ:FINW (11/28/2025, 7:30:30 PM)

After market: 18.05 0 (0%)

18.05

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners30.48%
Inst Owner Change0.21%
Ins Owners31.02%
Ins Owner Change9.76%
Market Cap245.30M
Revenue(TTM)81.40M
Net Income(TTM)12.98M
Analysts84
Price Target22.44 (24.32%)
Short Float %1.63%
Short Ratio10.11
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)8.1%
Min EPS beat(2)-11.57%
Max EPS beat(2)27.78%
EPS beat(4)2
Avg EPS beat(4)7.74%
Min EPS beat(4)-11.57%
Max EPS beat(4)27.78%
EPS beat(8)6
Avg EPS beat(8)14.63%
EPS beat(12)8
Avg EPS beat(12)16.26%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.55%
Min Revenue beat(2)-4.31%
Max Revenue beat(2)11.41%
Revenue beat(4)2
Avg Revenue beat(4)1.8%
Min Revenue beat(4)-4.31%
Max Revenue beat(4)11.41%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)6
Avg Revenue beat(12)1.55%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)8.64%
PT rev (3m)11.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.2%
EPS NY rev (1m)5.54%
EPS NY rev (3m)3.73%
Revenue NQ rev (1m)1.2%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)12.59%
Revenue NY rev (3m)12.59%
Valuation
Industry RankSector Rank
PE 17.03
Fwd PE 10.12
P/S 2.75
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)1.06
EY5.87%
EPS(NY)1.78
Fwd EY9.88%
FCF(TTM)-4.25
FCFYN/A
OCF(TTM)-3.61
OCFYN/A
SpS6.56
BVpS13.39
TBVpS13.39
PEG (NY)0.55
PEG (5Y)5.01
Graham Number17.87
Profitability
Industry RankSector Rank
ROA 1.54%
ROE 7.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.57%
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 Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 167.77%
Cap/Sales 9.7%
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
WACC13.06%
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)0%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%36%
EPS Next Y30.94%
EPS Next 2Y37.74%
EPS Next 3Y31.48%
EPS Next 5YN/A
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%76.1%
Revenue Next Year45.24%
Revenue Next 2Y46.27%
Revenue Next 3Y38.17%
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-777.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-379.69%
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.


What is the valuation status of FINWISE BANCORP (FINW) stock?

ChartMill assigns a valuation rating of 4 / 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 expected EPS growth for FINW stock?

The Earnings per Share (EPS) of FINWISE BANCORP (FINW) is expected to grow by 30.94% in the next year.