Logo image of FINW

FINWISE BANCORP (FINW) Stock Fundamental Analysis

USA - NASDAQ:FINW - US31813A1097 - Common Stock

22.49 USD
+1.86 (+9.02%)
Last: 9/19/2025, 8:05:33 PM
21.99 USD
-0.5 (-2.22%)
After Hours: 9/19/2025, 8:05:33 PM
Fundamental Rating

4

Overall FINW gets a fundamental rating of 4 out of 10. We evaluated FINW against 392 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 shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
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 1.54%, FINW belongs to the top of the industry, outperforming 90.31% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.14%, FINW is doing worse than 60.20% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 14.57%, FINW is doing worse than 75.26% of the companies in the same industry.
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) 14.57%
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

More info and screens

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
WACC12.33%
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

More info and screens

7

3. Growth

3.1 Past

FINW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.80%.
The Earnings Per Share has been growing slightly by 3.40% on average over the past years.
The Revenue has grown by 12.84% in the past year. This is quite good.
The Revenue has been growing by 19.21% on average over the past years. This is quite good.
EPS 1Y (TTM)-17.8%
EPS 3Y-34.15%
EPS 5Y3.4%
EPS Q2Q%20.83%
Revenue 1Y (TTM)12.84%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%32.75%

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 33.92% on average per year.
Based on estimates for the next years, FINW will show a very strong growth in Revenue. The Revenue will grow by 24.76% on average per year.
EPS Next Y26.23%
EPS Next 2Y33.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29%
Revenue Next 2Y24.76%
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 accelerating.
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

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 23.19, the valuation of FINW can be described as rather expensive.
Based on the Price/Earnings ratio, FINW is valued expensively inside the industry as 82.65% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 27.38. FINW is around the same levels.
Based on the Price/Forward Earnings ratio of 13.34, the valuation of FINW can be described as correct.
Based on the Price/Forward Earnings ratio, FINW is valued a bit more expensive than 70.41% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.86. FINW is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 23.19
Fwd PE 13.34
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.
A more expensive valuation may be justified as FINW's earnings are expected to grow with 33.92% in the coming years.
PEG (NY)0.88
PEG (5Y)6.82
EPS Next 2Y33.92%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

FINWISE BANCORP

NASDAQ:FINW (9/19/2025, 8:05:33 PM)

After market: 21.99 -0.5 (-2.22%)

22.49

+1.86 (+9.02%)

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 Change7.97%
Ins Owners31%
Ins Owner Change9.73%
Market Cap304.06M
Analysts84
Price Target20.15 (-10.4%)
Short Float %2.01%
Short Ratio11.41
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)0%
PT rev (3m)1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.31%
EPS NY rev (1m)0%
EPS NY rev (3m)12.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.65%
Valuation
Industry RankSector Rank
PE 23.19
Fwd PE 13.34
P/S 3.41
P/FCF N/A
P/OCF N/A
P/B 1.67
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)0.97
EY4.31%
EPS(NY)1.69
Fwd EY7.5%
FCF(TTM)-4.27
FCFYN/A
OCF(TTM)-3.63
OCFYN/A
SpS6.59
BVpS13.46
TBVpS13.46
PEG (NY)0.88
PEG (5Y)6.82
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
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-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
WACC12.33%
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 Y26.23%
EPS Next 2Y33.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.84%
Revenue growth 3Y0.65%
Revenue growth 5Y19.21%
Sales Q2Q%32.75%
Revenue Next Year29%
Revenue Next 2Y24.76%
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-777.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-379.69%
OCF growth 3YN/A
OCF growth 5YN/A