FINWISE BANCORP(NASDAQ:FINW) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, FINW scores 2 out of 10 in our fundamental rating. FINW was compared to 402 industry peers in the Banks industry. FINW may be in some trouble as it scores bad on both profitability and health. FINW does not seem to be growing, but still is valued expensively.

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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 4 of the past 5 years.

In multiple years FINW reported negative operating cash flow during the last 5 years.

1.2 Ratios

FINW's Return On Assets of 2.01% is amongst the best of the industry. FINW outperforms 96.02% of its industry peers.

FINW has a Return On Equity (8.08%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	2.01%
ROE	8.08%
ROIC	N/A

ROA(3y)5.66%

ROA(5y)5.14%

ROE(3y)18.21%

ROE(5y)21.27%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 17.17%, FINW is doing worse than 69.15% of the companies in the same industry.

FINW's Profit Margin has declined in the last couple of years.

FINW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.17%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.64%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

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 88.56% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.8%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FINW have decreased strongly by -29.69% in the last year.

EPS 1Y (TTM)-29.69%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-37.5%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%3.58%

3.2 Future

FINW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.55% yearly.

The Revenue is expected to grow by 21.51% on average over the next years. This is a very strong growth

EPS Next Y21.89%

EPS Next 2Y35.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year21.11%

Revenue Next 2Y21.51%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

FINW is valuated rather expensively with a Price/Earnings ratio of 18.97.

Based on the Price/Earnings ratio, FINW is valued a bit more expensive than 78.86% of the companies in the same industry.

When comparing the Price/Earnings ratio of FINW to the average of the S&P500 Index (29.35), we can say FINW is valued slightly cheaper.

With a Price/Forward Earnings ratio of 15.56, FINW is valued correctly.

Based on the Price/Forward Earnings ratio, FINW is valued a bit more expensive than 70.15% of the companies in the same industry.

FINW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	18.97
Fwd PE	15.56

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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 35.55% in the coming years.

PEG (NY)0.87

PEG (5Y)N/A

EPS Next 2Y35.55%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FINW does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FINWISE BANCORP

NASDAQ:FINW (3/7/2025, 8:25:57 PM)

17.83

-0.26 (-1.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-28 2025-04-28/amc

Inst Owners26.61%

Inst Owner Change12.94%

Ins Owners31.9%

Ins Owner Change0%

Market Cap235.53M

Analysts84.44

Price Target22.1 (23.95%)

Short Float %0.53%

Short Ratio1.9

Dividend

		Industry Rank	Sector 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)2

Avg EPS beat(2)21.95%

Min EPS beat(2)16.71%

Max EPS beat(2)27.19%

EPS beat(4)4

Avg EPS beat(4)12.92%

Min EPS beat(4)1.2%

Max EPS beat(4)27.19%

EPS beat(8)7

Avg EPS beat(8)25.91%

EPS beat(12)9

Avg EPS beat(12)20.57%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-2.55%

Min Revenue beat(2)-4.85%

Max Revenue beat(2)-0.24%

Revenue beat(4)1

Avg Revenue beat(4)-1.09%

Min Revenue beat(4)-5.54%

Max Revenue beat(4)6.27%

Revenue beat(8)3

Avg Revenue beat(8)0.98%

Revenue beat(12)6

Avg Revenue beat(12)1.54%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)6.56%

PT rev (3m)17.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-13.04%

EPS NY rev (1m)0%

EPS NY rev (3m)-3.22%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.82%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.17%

Valuation

		Industry Rank	Sector Rank
PE	18.97
Fwd PE	15.56
P/S	2.94
P/FCF	N/A
P/OCF	N/A
P/B	1.38
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)0.94

EY5.27%

EPS(NY)1.15

Fwd EY6.43%

FCF(TTM)-0.9

FCFYN/A

OCF(TTM)-0.45

OCFYN/A

SpS6.07

BVpS12.9

TBVpS12.9

PEG (NY)0.87

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.01%
ROE	8.08%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.17%
GM	N/A
FCFM	N/A

ROA(3y)5.66%

ROA(5y)5.14%

ROE(3y)18.21%

ROE(5y)21.27%

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-2.64%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.12

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	116.25%
Cap/Sales	7.43%
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

WACC11.8%

ROIC/WACCN/A

Cap/Depr(3y)284.09%

Cap/Depr(5y)205.62%

Cap/Sales(3y)6.98%

Cap/Sales(5y)4.79%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-29.69%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-37.5%

EPS Next Y21.89%

EPS Next 2Y35.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%3.58%

Revenue Next Year21.11%

Revenue Next 2Y21.51%

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-128.73%

FCF growth 3Y-36.75%

FCF growth 5YN/A

OCF growth 1Y-112.09%

OCF growth 3Y-14.45%

OCF growth 5YN/A

FINWISE BANCORP (FINW) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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