Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FINW
Strong SellBargain BinFinWise Bancorp · Financial Services · United States · $209M · Avg Vol: $364K/d
COMPANY DESCRIPTION
FinWise Bancorp operates FinWise Bank, which provides banking products and services, including loan programs, deposit accounts, and fintech-enabled lending. The company specializes in a 'banking as a service' model, partnering with fintech companies to originate loans on a national scale, differentiating itself from traditional community banks. It focuses on technology-driven lending solutions and strategic partnerships, allowing for scalable growth and diversification of revenue streams.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 88.8M | 76.6M | 82.0M | 129.4M | 13.4% | 116.8M | 182.5M | 211.4M | 27.8% |
| EPS | 1.96 | 1.38 | 0.98 | 1.20 | -15.1% | 0.96 | 0.76 | 1.11 | -3.8% |
| Shares | 12.8M | 12.5M | 13.2M | 13.7M | +6.4% | 13.9M | — | — | — |
| Debt | 7.3M | 6.5M | 5.3M | 4.4M | -15.6% | 4.0M | — | — | — |
| Equity | 140.5M | 155.1M | 173.7M | 193.2M | 11.2% | — | — | — | — |
| Op CF | 61.2M | 12.3M | -15.0M | -28.4M | -79.9% | 5.5M | — | — | — |
| Inv CF | -35.8M | -152.9M | -132.4M | -126.9M | — | — | — | — | — |
| Fin CF | -10.5M | 157.0M | 139.6M | 209.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FINW are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FINW | FinWise Bancorp(you) | $209M | 16 | Strong Sell |
| BAFN | BayFirst Financial Corp. | $178M | 19 | Strong Sell |
| FGBI | First Guaranty Bancshares, Inc. | $144M | 15 | Strong Sell |
| HYNE | Hoyne Bancorp, Inc. | $134M | 17 | Strong Sell |
| BCBP | BCB Bancorp, Inc. | $156M | 21 | Sell |
| GBFH | GBank Financial Holdings Inc. | $292M | 22 | Sell |
| ISBA | Isabella Bank Corporation | $301M | 26 | Sell |
| OVBC | Ohio Valley Banc Corp. | $215M | 34 | Sell |
| FNWB | First Northwest Bancorp | $108M | 22 | Sell |
| CZWI | Citizens Community Bancorp, Inc. | $203M | 35 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%