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FINWISE BANCORP (FINW) Stock Fundamental Analysis

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

18.87  -0.04 (-0.21%)

Fundamental Rating

4

Taking everything into account, FINW scores 4 out of 10 in our fundamental rating. FINW was compared to 393 industry peers in the Banks industry. The financial health of FINW is average, but there are quite some concerns on its profitability. FINW shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FINW was profitable.
In the past year FINW has reported a negative cash flow from operations.
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.
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 has a better Return On Assets (1.51%) than 89.57% of its industry peers.
Looking at the Return On Equity, with a value of 6.85%, FINW is doing worse than 63.61% of the companies in the same industry.
Industry RankSector Rank
ROA 1.51%
ROE 6.85%
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

With a Profit Margin value of 14.56%, FINW is not doing good in the industry: 75.57% of the companies in the same industry are doing better.
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) 14.56%
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.
Compared to 1 year ago, FINW has more shares outstanding
The number of shares outstanding for FINW has been increased compared to 5 years ago.
FINW has a better debt/assets ratio than last year.
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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.12%
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 strongly by -17.80% in the last year.
The Earnings Per Share has been growing slightly by 3.40% on average over the past years.
The Revenue has been growing slightly by 7.61% in the past year.
FINW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.21% yearly.
EPS 1Y (TTM)-17.8%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%20.83%
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%32.75%

3.2 Future

The Earnings Per Share is expected to grow by 32.38% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 24.97% on average over the next years. This is a very strong growth
EPS Next Y12.31%
EPS Next 2Y32.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.15%
Revenue Next 2Y24.97%
Revenue Next 3YN/A
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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.45, the valuation of FINW can be described as rather expensive.
79.39% of the companies in the same industry are cheaper than FINW, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.93, FINW is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 11.46, the valuation of FINW can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FINW is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.31, FINW is valued rather cheaply.
Industry RankSector Rank
PE 19.45
Fwd PE 11.46
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

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 32.38% in the coming years.
PEG (NY)1.58
PEG (5Y)5.72
EPS Next 2Y32.38%
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 (8/14/2025, 8:18:07 PM)

18.87

-0.04 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners28.89%
Inst Owner Change4.42%
Ins Owners31%
Ins Owner Change9.4%
Market Cap254.18M
Analysts84
Price Target20.15 (6.78%)
Short Float %2.5%
Short Ratio5.42
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)0
Avg EPS beat(2)-6.77%
Min EPS beat(2)-11.57%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)7.59%
Min EPS beat(4)-11.57%
Max EPS beat(4)27.19%
EPS beat(8)6
Avg EPS beat(8)23.66%
EPS beat(12)7
Avg EPS beat(12)11.48%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.98%
Min Revenue beat(2)-4.31%
Max Revenue beat(2)0.35%
Revenue beat(4)1
Avg Revenue beat(4)-2.26%
Min Revenue beat(4)-4.85%
Max Revenue beat(4)0.35%
Revenue beat(8)3
Avg Revenue beat(8)0.17%
Revenue beat(12)5
Avg Revenue beat(12)-0.1%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.94%
PT rev (3m)1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.25%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.59%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-0.95%
Revenue NY rev (1m)9.38%
Revenue NY rev (3m)8.26%
Valuation
Industry RankSector Rank
PE 19.45
Fwd PE 11.46
P/S 3.04
P/FCF N/A
P/OCF N/A
P/B 1.43
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)0.97
EY5.14%
EPS(NY)1.65
Fwd EY8.73%
FCF(TTM)-3.23
FCFYN/A
OCF(TTM)-2.83
OCFYN/A
SpS6.2
BVpS13.17
TBVpS13.17
PEG (NY)1.58
PEG (5Y)5.72
Profitability
Industry RankSector Rank
ROA 1.51%
ROE 6.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.56%
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 Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 95.69%
Cap/Sales 6.41%
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
WACC13.12%
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)-17.8%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%20.83%
EPS Next Y12.31%
EPS Next 2Y32.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.61%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%32.75%
Revenue Next Year27.15%
Revenue Next 2Y24.97%
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-169.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-155.4%
OCF growth 3YN/A
OCF growth 5YN/A