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Finwise Bancorp

FINW

$13.68 ▲ +0.09 (+0.70%) at close

6 Visible periods

31 Metrics

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Good

Neutral

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Analytical Summary

Finwise Bancorp shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $175.5M

Dividend Yield —

Revenue Growth 60.5% ↗

Op. Margin 16.7% ↘

ROIC None

FCF / Share None

Trailing P/E 11.4x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$130.67M

↑ +60.5% —

Net Income Profit after all expenses

$16.09M

↑ +26.3% —

Operating Margin Operating profit as % of sales

16.7%

↓ -20.2% 70th

Health Breakdown

Profitability ↓

Returns ↓

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	60.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+909%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	-14.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-339%)	10.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	—	—
EPS Growth YoY (%)	22.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-29.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-29.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-43.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	26.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-27.0% Weak ↓ Weak Declining Year-over-year change in net income	-30.5% Weak Weak Year-over-year change in net income	-20.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	14.0% Good Good Compound annual revenue growth over 3 years	0.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	-15.1% Weak Weak Compound annual EPS growth over 3 years	-34.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	16.7% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	20.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	31.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	40.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	53.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	—
Effective Tax Rate (%) (%)	26.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	12.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	15.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	23.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	39.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.3% Caution Caution Operating profit relative to total assets Optimal: > 10%	8.3% Fair Fair Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	17.9% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	27.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+128%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$10.19	$6.45	$6.06	$6.94	$9.21	—
Basic EPS, GAAP (USD)	$1.20	$0.98	$1.38	$1.96	$3.44	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$14.15	$13.15	$12.41	$10.95	$9.04	—
Tangible Book Value per Share (USD)	$14.15	$13.15	$12.41	$10.95	$9.04	—
Basic Weighted Avg Shares (shares)	12.83M	12.61M	12.49M	12.73M	8.67M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$193.19M	$173.72M	$155.06M	$140.46M	$115.44M	$45.87M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$130.67M	$81.40M	$75.64M	$88.31M	$79.82M	—
Depreciation Expense (USD)	$900.00K	$1.10M	$1.00M	$200.00K	$300.00K	—
Net Income, GAAP (USD)	$16.09M	$12.74M	$17.46M	$25.11M	$31.58M	—
Operating Cash Flow (USD)	$-28.42M	$-14.99M	$12.27M	$61.15M	$-9.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	7.4%	7.9%	9.3%	12.7%	12.6%	—
Efficiency Ratio (%) (%)	53.8%	64.9%	53.1%	43.9%	37.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 6 years · 23 quarters

Finwise Bancorp

Analytical Summary

6-Year Financial Trajectory

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