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FinWise Bancorp FINW R2K

Financial Services · Banks - Regional · United States
https://investors.finwisebancorp.com

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 operates in three segments: Traditional Banking; BaaS and Treasury; and Administration. The company provides 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 offers 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. The company was formerly known as All West Bancorp. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.

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$14.38
+0.28% 1Y

Market & Price

Market Cap
$197.09M
Current Price
$14.38
High / Low (52W)
$22.49 / $12.98
Beta
0.75

Valuation

Stock P/E
13.07
Industry PE
12.01
Forward P/E
8.08
PEG Ratio
-
Book Value
$14.34
Price to Book
1.00
P/S
1.87
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
8.36%
ROA
1.84%
Profit Margin
14.82%
Op Margin
11.82%
EPS (Latest Qtr)
$0.20
EPS (TTM)
$1.10

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$4.34M
Total Assets
$977.13M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
30.48%
Chg in Prom Hold
-0.44%
FII / Inst Holding
28.97%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$108.59M
Total Revenue (TTM)
$105.47M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$12.89M
Shares Outstanding
13.71M
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
13.37%
Profit 5Y
-13.79%
Revenue (YoY)
71.40%
Earnings (YoY)
-13.00%

PROS

  • Compounding revenue at 13.4% over 5 years.

CONS

  • Earnings shrank at -13.8% CAGR over 5 years.
  • Trading 36.1% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FINW FinWise Bancorp R2K 14.38 13.07 $197.09M - - 8.36% 13.37% -13.79%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------22.09M25.07M36.66M45.55M42.72M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense ------------4.26M5.01M5.36M5.67M5.45M
Pretax Income ------------4.44M5.43M6.41M5.49M3.80M
Tax Provision ------------1.25M1.33M1.52M1.57M1.06M
Net Income 5.29M7.74M8.44M9.43M5.48M3.65M3.86M4.64M4.80M3.31M3.18M-3.19M4.10M4.89M3.92M2.73M
Diluted EPS 0.590.840.910.700.410.270.290.350.370.250.24-0.230.290.340.270.20

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -88.78M76.61M82.02M129.37M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -1.43M9.97M15.44M20.30M
Pretax Income -36.03M23.81M16.99M21.76M
Tax Provision -10.92M6.35M4.25M5.67M
Net Income -25.11M17.46M12.74M16.09M
Diluted EPS -1.871.330.931.13

Compounded Sales Growth

5 Years:13.37%
1 Year:71.40%

Compounded Profit Growth

5 Years:-13.79%
1 Year:-13.00%

Stock Price Performance

1 Year:+0.28%
6 Months:-20.33%
3 Months:-14.61%
1 Month:-9.70%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --400.78M586.22M745.98M977.13M
Current Assets ------
Cash & Equivalents --100.57M116.97M109.16M163.40M
Inventory ------
Receivables --1.82M3.57M3.57M3.71M
Total Liabilities --260.32M431.17M572.26M783.94M
Current Liabilities ------
Long Term Debt -1.05M314.00K190.00K64.00K-
Total Debt --7.33M6.49M5.30M4.41M
Total Equity 45.87M-140.46M155.06M173.72M193.19M
Shares Outstanding --12.83M12.49M13.21M13.66M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -61.15M12.27M-14.99M-28.42M
Investing Cash Flow --35.83M-152.87M-132.38M-126.91M
Financing Cash Flow --10.51M157.01M139.56M209.57M
Capital Expenditure --7.21M-7.46M-4.89M-5.77M
Free Cash Flow -53.94M4.81M-19.89M-34.19M
Net Change in Cash -14.81M16.41M-7.81M54.24M
Share Buybacks 01.14M4.74M461.00K0

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -28.3%22.8%15.5%12.4%
ROE % -17.9%11.3%7.3%8.3%
ROCE % -----

Shareholding Pattern

Insiders
30.48%
Institutions
28.97%
Public Float
41.68%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 5.84% 799.88K $11.50M
2 Wasatch Advisors LP 4.39% 602.12K $8.66M
3 US BANCORP \DE\ 3.42% 469.05K $6.74M
4 Blackrock Inc. 3.33% 456.24K $6.56M
5 Vanguard Capital Management LLC 2.85% 390.85K $5.62M
6 Geode Capital Management, LLC 1.46% 199.97K $2.88M
7 Dimensional Fund Advisors LP 0.83% 113.48K $1.63M
8 State Street Corporation 0.64% 87.81K $1.26M
9 Bridgeway Capital Management, LLC 0.61% 83.89K $1.21M
10 Northern Trust Corporation 0.50% 67.88K $976.09K

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