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FinWise Bancorp FINW
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 14.38
-0.139 %
$ 190 M
Market Cap
15.46
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FINW stock under the worst case scenario is HIDDEN Compared to the current market price of 14.4 USD, FinWise Bancorp is HIDDEN

FINW Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FINW stock under the base case scenario is HIDDEN Compared to the current market price of 14.4 USD, FinWise Bancorp is HIDDEN

FINW Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FINW stock under the best case scenario is HIDDEN Compared to the current market price of 14.4 USD, FinWise Bancorp is HIDDEN

FINW Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FINW

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1M -23%
6M -10%
1Y 50%
3Y -19%
5Y --%
All
$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
69.8 M REVENUE
9.10%
Growth Rates
1Year 9.10%
3Years -4.36%
5Years 15.61%
7Years 0.00%
10Years 0.00%
25.6 M OPERATING INCOME
7.68%
Growth Rates
1Year 7.68%
3Years -15.35%
5Years 14.84%
7Years 0.00%
10Years 0.00%
12.7 M NET INCOME
-27.02%
Growth Rates
1Year -27.02%
3Years -26.11%
5Years 5.70%
7Years 0.00%
10Years 0.00%
-15 M OPERATING CASH FLOW
-122.23%
Growth Rates
1Year -122.23%
3Years -17.54%
5Years -13.70%
7Years 0.00%
10Years 0.00%
-132 M INVESTING CASH FLOW
13.40%
Growth Rates
1Year 13.40%
3Years -86.22%
5Years -35.21%
7Years 0.00%
10Years 0.00%
140 M FINANCING CASH FLOW
-11.12%
Growth Rates
1Year -11.12%
3Years 81.49%
5Years 24.88%
7Years 0.00%
10Years 0.00%
17.3 M REVENUE
-8.82%
Growth Rates
1Year 9.10%
3Years -4.36%
5Years 15.61%
7Years 0.00%
10Years 0.00%
6.23 M OPERATING INCOME
1.75%
Growth Rates
1Year 7.68%
3Years -15.35%
5Years 14.84%
7Years 0.00%
10Years 0.00%
2.79 M NET INCOME
-19.14%
Growth Rates
1Year -27.02%
3Years -26.11%
5Years 5.70%
7Years 0.00%
10Years 0.00%
657 K OPERATING CASH FLOW
106.69%
Growth Rates
1Year -122.23%
3Years -17.54%
5Years -13.70%
7Years 0.00%
10Years 0.00%
-33.5 M INVESTING CASH FLOW
36.62%
Growth Rates
1Year 13.40%
3Years -86.22%
5Years -35.21%
7Years 0.00%
10Years 0.00%
56.3 M FINANCING CASH FLOW
-5.39%
Growth Rates
1Year -11.12%
3Years 81.49%
5Years 24.88%
7Years 0.00%
10Years 0.00%
Balance Sheet FinWise Bancorp
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Current Assets 109 M
Cash & Short-Term Investments 109 M
Receivables 0
Other Current Assets 0
Non-Current Assets 637 M
Long-Term Investments 7.7 M
PP&E 19.9 M
Other Non-Current Assets 609 M
14.63 %81.67 %Total Assets$746.0m
Current Liabilities 1.49 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 1.49 M
Non-Current Liabilities 571 M
Long-Term Debt 64 K
Other Non-Current Liabilities 571 M
99.73 %Total Liabilities$572.3m
EFFICIENCY
Earnings Waterfall FinWise Bancorp
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Revenue 69.8 M
Cost Of Revenue 0
Gross Profit 69.8 M
Operating Expenses 44.2 M
Operating Income 25.6 M
Other Expenses 12.9 M
Net Income 12.7 M
70m70m60m60m50m50m40m40m30m30m20m20m10m10m0070m070m(44m)26m(13m)13mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 66.76%
5Years 78.67%
7Years 0.00%
10Years 0.00%
36.73% OPERATING MARGIN
36.73%
Averages
1Year 36.73%
3Years 240.74%
5Years 162.23%
7Years 0.00%
10Years 0.00%
18.25% NET MARGIN
18.25%
Averages
1Year 18.25%
3Years 168.67%
5Years 114.44%
7Years 0.00%
10Years 0.00%
7.33% ROE
7.33%
Averages
1Year 7.33%
3Years 12.16%
5Years 17.65%
7Years 0.00%
10Years 0.00%
1.71% ROA
1.71%
Averages
1Year 1.71%
3Years 3.64%
5Years 4.55%
7Years 0.00%
10Years 0.00%
2.58% ROIC
2.58%
Averages
1Year 2.58%
3Years -3.33%
5Years 7.88%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis FinWise Bancorp
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60m60m50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)202020202021202120222022202320232024202420252025
Net Income 12.7 M
Depreciation & Amortization 5.26 M
Capital Expenditures 0
Stock-Based Compensation 2.05 M
Change in Working Capital 0
Others -35.1 M
Free Cash Flow -19.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets FinWise Bancorp
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Wall Street analysts predict an average 1-year price target for FINW of $19.5 , with forecasts ranging from a low of $18 to a high of $21 .
FINW Lowest Price Target Wall Street Target
18 USD 25.17%
FINW Average Price Target Wall Street Target
19.5 USD 35.61%
FINW Highest Price Target Wall Street Target
21 USD 46.04%
Price
Max Price Target
Min Price Target
Average Price Target
2222202018181616141412121010May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership FinWise Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
FinWise Bancorp to Host First Quarter 2025 FinWise Bancorp will report its first quarter 2025 results and host a conference call and webcast after the market close on on Wednesday, April 30, 2025. globenewswire.com - 1 week ago
Here's Why FinWise Bancorp (FINW) is Poised for a Turnaround After Losing -15.71% in 4 Weeks FinWise Bancorp (FINW) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock. zacks.com - 3 weeks ago
FinWise Bancorp: You Have To Look Past The Premium My investment philosophy has evolved, prioritizing high-quality businesses like FinWise Bancorp, which excels in fintech banking and diverse lending segments. FinWise Bancorp's balance sheet is impressive, with significant growth in deposits and loans, and no debt, making it a unique bank. Despite mixed income statement results, the firm's high net interest margin and strategic diversification justify its premium valuation. seekingalpha.com - 1 month ago
FinWise Bancorp Appoints Jim Noone as Chief Executive Officer of FinWise Bank MURRAY, Utah, March 03, 2025 (GLOBE NEWSWIRE) -- FinWise Bancorp (NASDAQ: FINW) (“FinWise” or the “Company”), parent company of FinWise Bank (the “Bank”), today announced the appointment of Jim Noone to Chief Executive Officer (“CEO”) of the Bank, in addition to his current responsibilities as Bank President. Kent Landvatter will remain Chairman of the Board and CEO of FinWise Bancorp as well as the Executive Chairman of FinWise Bank. globenewswire.com - 1 month ago
New Strong Buy Stocks for February 26th FINW, PFIS, LNVGY, SSB and GRMN have been added to the Zacks Rank #1 (Strong Buy) List on February 26, 2025. zacks.com - 1 month ago
Best Momentum Stock to Buy for February 24th FINW made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 24, 2025. zacks.com - 1 month ago
Best Momentum Stocks to Buy for February 18th ROKU, APP and FINW made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 31, 2024. zacks.com - 1 month ago
New Strong Buy Stocks for February 18th FARM, ROOT, ROKU, FINW and PFIS have been added to the Zacks Rank #1 (Strong Buy) List on February 18, 2024. zacks.com - 1 month ago
Best Momentum Stocks to Buy for February 14th FINW, SFTBY and PAHC made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 14, 2025. zacks.com - 1 month ago
New Strong Buy Stocks for February 14th FRSH, SFTBY, ATGE, FINW and PAHC have been added to the Zacks Rank #1 (Strong Buy) List on February 14, 2025. zacks.com - 1 month ago
Surging Earnings Estimates Signal Upside for FinWise Bancorp (FINW) Stock FinWise Bancorp (FINW) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 months ago
FinWise Bancorp (FINW) Q4 2024 Earnings Call Transcript FinWise Bancorp (NASDAQ:FINW ) Q4 2024 Earnings Conference Call January 30, 2024 5:30 PM ET Company Participants Juan Arias - Head, Corporate Management & IR Kent Landvatter - CEO & Chairman James Noone - President Robert Wahlman - EVP & CFO Conference Call Participants Andrew Liesch - Piper Sandler Joe Yanchunis - Raymond James Andrew Terrell - Stephens Operator Greetings, and welcome to the FinWise Bancorp Fourth Quarter 2024 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. seekingalpha.com - 2 months ago
8. Profile Summary

FinWise Bancorp FINW

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 190 M
Dividend Yield 0.00%
Description FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
Contact 756 East Winchester Street, Murray, UT, 84107 https://www.finwisebancorp.com
IPO Date Nov. 19, 2021
Employees 196
Officers Mr. Michael Christopher O'Brien EVice President, Chief Compliance & Risk Officer, Corporate Counsel and Corporate Secretary Mr. James F. Noone President Mr. Kent R. Landvatter Chief Executive Officer, President & Chairman Mr. Richard Thiessens Executive Vice President & Chief Technology Officer Mr. Robert C. Keil Executive Vice President & Chief Fintech Officer of FinWise Bank