Analyzing FinWise Bancorp (FINW) and Its Peers

FinWise Bancorp (NASDAQ:FINW) is one of 919 public companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare FinWise Bancorp to similar companies based on the strength of its institutional ownership, profitability, risk, valuation, analyst recommendations, dividends and earnings.

Valuation & Earnings

This table compares FinWise Bancorp and its rivals top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
FinWise Bancorp	$150.96 million	$16.09 million	10.81
FinWise Bancorp Competitors	$9.95 billion	$2.42 billion	21.42

FinWise Bancorp’s rivals have higher revenue and earnings than FinWise Bancorp. FinWise Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a summary of current ratings for FinWise Bancorp and its rivals, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FinWise Bancorp	0	3	1	0	2.25
FinWise Bancorp Competitors	7490	30232	27828	1480	2.35

FinWise Bancorp currently has a consensus price target of $15.50, suggesting a potential upside of 6.19%. As a group, “Banks” companies have a potential upside of 14.94%. Given FinWise Bancorp’s rivals stronger consensus rating and higher possible upside, analysts plainly believe FinWise Bancorp has less favorable growth aspects than its rivals.

Insider & Institutional Ownership

35.4% of FinWise Bancorp shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 22.4% of FinWise Bancorp shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

FinWise Bancorp has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500. Comparatively, FinWise Bancorp’s rivals have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Profitability

This table compares FinWise Bancorp and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FinWise Bancorp	7.03%	9.78%	2.06%
FinWise Bancorp Competitors	15.65%	9.43%	0.93%

Summary

FinWise Bancorp rivals beat FinWise Bancorp on 9 of the 13 factors compared.

About FinWise Bancorp

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.