| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| TFINTriumph Financial, Inc. | 1.6B | 67.15 | 124.35 | 3.34% | 3.3% | 1% | 0.16 | |
| LOBLive Oak Bancshares, Inc. | 1.66B | 36.12 | 21.37 | 19.67% | 8.34% | 5.78% | 29.41% | 0.11 |
| ESQEsquire Financial Holdings, Inc. | 901.77M | 105.28 | 20.48 | 13.67% | 31.57% | 17.59% | 4.33% | |
| FINWFinWise Bancorp | 238.99M | 17.59 | 18.91 | 12.56% | 13.07% | 7.97% | 0.03 | |
| FSFGFirst Savings Financial Group, Inc. | 224.48M | 32.00 | 16.16 | 4.58% | 10.11% | 11.73% | 40.32% | 1.98 |
| RBBRBB Bancorp | 361.56M | 21.21 | 14.43 | -1.75% | 11.49% | 5.09% | 15.96% | 0.72 |
| HOPEHope Bancorp, Inc. | 1.45B | 11.28 | 13.76 | -8.63% | 9.96% | 2.29% | 7.39% | 0.18 |
| HAFCHanmi Financial Corporation | 830.06M | 27.71 | 13.52 | 8.03% | 14.48% | 9.31% | 6.18% | 0.54 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Net Interest Income | 19.95M | 27.75M | 47.98M | 50.9M | 54.56M | 58.91M |
| NII Growth % | - | 0.39% | 0.73% | 0.06% | 0.07% | 0.08% |
| Net Interest Margin % | - | - | - | - | - | - |
| Interest Income | 21.41M | 29.51M | 49.24M | 52.33M | 64.53M | 74.35M |
| Interest Expense | 1.46M | 1.76M | 1.26M | 1.43M | 9.97M | 15.44M |
| Loan Loss Provision | 5.29M | 5.23M | 8.04M | 13.52M | 11.64M | 11.57M |
| Non-Interest Income | 13.86M | 14.32M | 31.84M | 37.89M | 22.06M | 23.11M |
| Non-Interest Income % | - | - | - | - | - | - |
| Total Revenue | 35.27M | 43.83M | 81.09M | 90.22M | 86.59M | 97.46M |
| Revenue Growth % | - | 0.24% | 0.85% | 0.11% | -0.04% | 0.13% |
| Non-Interest Expense | 15.69M | 21.7M | 29.51M | 39.23M | 41.16M | 53.46M |
| Efficiency Ratio | - | - | - | - | - | - |
| Operating Income | 12.84M | 15.14M | 42.27M | 36.03M | 23.81M | 16.99M |
| Operating Margin % | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.18% | 1.79% | -0.15% | -0.34% | -0.29% |
| Pretax Income | 12.84M | 15.14M | 42.27M | 36.03M | 23.81M | 16.99M |
| Pretax Margin % | - | - | - | - | - | - |
| Income Tax | 3.18M | 3.94M | 10.69M | 10.92M | 6.35M | 4.25M |
| Effective Tax Rate % | - | - | - | - | - | - |
| Net Income | 9.66M | 11.2M | 31.58M | 25.11M | 17.46M | 12.74M |
| Net Margin % | - | - | - | - | - | - |
| Net Income Growth % | - | 0.16% | 1.82% | -0.2% | -0.3% | -0.27% |
| Net Income (Continuing) | 9.66M | 11.2M | 31.58M | 25.11M | 17.46M | 12.74M |
| EPS (Diluted) | 0.79 | 1.21 | 3.27 | 1.87 | 1.33 | 0.93 |
| EPS Growth % | - | 0.53% | 1.7% | -0.43% | -0.29% | -0.3% |
| EPS (Basic) | 0.79 | 1.27 | 3.44 | 1.96 | 1.38 | 0.98 |
| Diluted Shares Outstanding | 12.25M | 11.93M | 9.11M | 13.36M | 12.91M | 13.23M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 106.06M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 134.75M | 258.6M | 276.25M | 257.65M | 387.55M | 476.95M |
| Investments Growth % | - | 0.92% | 0.07% | -0.07% | 0.5% | 0.23% |
| Long-Term Investments | 134.75M | 258.6M | 276.25M | 257.65M | 387.55M | 476.95M |
| Accounts Receivables | 943K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 926K | 1.26M | 3.29M | 14.52M | 18.92M | 19.89M |
| Other Assets | 5.53M | 8.19M | 11.55M | 15.81M | 18.69M | 60.49M |
| Total Current Assets | 35.72M | 49.01M | 87.3M | 111.64M | 161.06M | 188.65M |
| Total Non-Current Assets | 141.34M | 268.5M | 292.91M | 289.14M | 425.16M | 557.33M |
| Total Assets | 177.06M | 317.51M | 380.21M | 400.78M | 586.22M | 745.98M |
| Asset Growth % | - | 0.79% | 0.2% | 0.05% | 0.46% | 0.27% |
| Return on Assets (ROA) | 0.05% | 0.05% | 0.09% | 0.06% | 0.04% | 0.02% |
| Accounts Payable | 64K | 195K | 48K | 54K | 619K | 1.49M |
| Total Debt | 0 | 101.01M | 1.05M | 7.33M | 6.49M | 5.37M |
| Net Debt | -34.78M | 53.62M | -84.7M | -93.23M | -110.49M | -100.7M |
| Long-Term Debt | 0 | 101.01M | 1.05M | 314K | 190K | 64K |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.71M | 5.26M | 11.55M | 9.94M | 16.61M | 19.55M |
| Total Current Liabilities | 142.25M | 165.38M | 252.17M | 243.05M | 407.32M | 546.45M |
| Total Non-Current Liabilities | 1.71M | 106.26M | 12.6M | 17.27M | 23.84M | 25.81M |
| Total Liabilities | 143.97M | 271.64M | 264.77M | 260.32M | 431.17M | 572.26M |
| Total Equity | 33.09M | 45.87M | 115.44M | 140.46M | 155.06M | 173.72M |
| Equity Growth % | - | 0.39% | 1.52% | 0.22% | 0.1% | 0.12% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.29% | 0.28% | 0.39% | 0.2% | 0.12% | 0.08% |
| Book Value per Share | 2.70 | 3.85 | 12.67 | 10.52 | 12.01 | 13.13 |
| Tangible BV per Share | - | - | - | - | - | - |
| Common Stock | 9K | 9K | 13K | 13K | 12K | 13K |
| Additional Paid-in Capital | 15.27M | 16.85M | 54.84M | 54.61M | 51.2M | 56.93M |
| Retained Earnings | 17.81M | 29.01M | 60.59M | 85.83M | 103.84M | 116.59M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 187K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | -7.89M | 19.59M | -9.23M | 61.15M | 12.27M | -14.99M |
| Operating CF Growth % | - | 3.48% | -1.47% | 7.62% | -0.8% | -2.22% |
| Net Income | 9.66M | 11.2M | 31.58M | 25.11M | 17.46M | 12.74M |
| Depreciation & Amortization | 460K | 1.01M | 1.04M | 2.11M | 3.81M | 5.26M |
| Deferred Taxes | 11K | -312K | -1.37M | 656K | 1.92M | 90K |
| Other Non-Cash Items | -17.77M | 4.62M | -46.66M | 35.27M | -13.15M | -34.32M |
| Working Capital Changes | -2.02M | 1.32M | 4.08M | -2.77M | 182K | -816K |
| Cash from Investing | -29.29M | -130.22M | 24.26M | -35.83M | -152.87M | -132.38M |
| Purchase of Investments | 0 | -1.75M | -10.4M | -5.04M | -2.96M | -30.02M |
| Sale/Maturity of Investments | 125K | 375K | 678K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -28.87M | -128.25M | 36.31M | -25.53M | -144.3M | -100.31M |
| Cash from Financing | 45.95M | 123.23M | 23.35M | -10.51M | 157.01M | 139.56M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -89K | -41K | 0 | -1.14M | -4.74M | -461K |
| Stock Issued | 0 | 0 | 35.58M | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 1000K | -1000K | -736K | -125K | -126K |
| Other Financing | 46.04M | 22.27M | 87.73M | -8.63M | 161.88M | 140.14M |
| Net Change in Cash | 8.78M | 12.6M | 38.37M | 14.81M | 16.41M | -7.81M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 26M | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M |
| Cash at End | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 109.16M |
| Interest Paid | 1.4M | 1.63M | 1.41M | 1.43M | 9.41M | 14.56M |
| Income Taxes Paid | 3.18M | 3.33M | 10.47M | 9.36M | 6.63M | 8.06M |
| Free Cash Flow | -8.43M | 18.99M | -11.57M | 53.94M | 4.81M | -19.89M |
| FCF Growth % | - | 3.25% | -1.61% | 5.66% | -0.91% | -5.14% |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 29.19% | 28.36% | 39.16% | 19.63% | 11.82% | 7.75% |
| Return on Assets (ROA) | 5.46% | 4.53% | 9.05% | 6.43% | 3.54% | 1.91% |
| Net Interest Margin | 11.26% | 8.74% | 12.62% | 12.7% | 9.31% | 7.9% |
| Efficiency Ratio | 44.47% | 49.51% | 36.39% | 43.49% | 47.54% | 54.85% |
| Equity / Assets | 18.69% | 14.45% | 30.36% | 35.05% | 26.45% | 23.29% |
| Book Value / Share | 2.7 | 3.85 | 12.67 | 10.52 | 12.01 | 13.13 |
| NII Growth | - | 39.13% | 72.89% | 6.08% | 7.2% | 7.98% |
| 2022 | 2023 | |
|---|---|---|
| Strategic Program Fees | - | 15.36M |
| Strategic Program Fees Growth | - | - |
| Financial Service, Other | - | 2.59M |
| Financial Service, Other Growth | - | - |
| Gain (Loss) on Sales of Loans, Net | 13.55M | 1.68M |
| Gain (Loss) on Sales of Loans, Net Growth | - | -87.57% |
| Small Business Administration Loan Servicing Fees | 1.6M | 1.47M |
| Small Business Administration Loan Servicing Fees Growth | - | -8.55% |
| Strategic Program Service Charges | 834K | 329K |
| Strategic Program Service Charges Growth | - | -60.55% |
| Strategic Program Set Up Fees | - | 223K |
| Strategic Program Set Up Fees Growth | - | - |
| Deposit Account | - | 26K |
| Deposit Account Growth | - | - |
| Change in Fair Value on Investment | -478K | -600K |
| Change in Fair Value on Investment Growth | - | -25.52% |
| Other Miscellaneous Income | 239K | - |
| Other Miscellaneous Income Growth | - | - |
FinWise Bancorp (FINW) has a price-to-earnings (P/E) ratio of 18.9x. This is roughly in line with market averages.
FinWise Bancorp (FINW) grew revenue by 12.6% over the past year. This is steady growth.
Yes, FinWise Bancorp (FINW) is profitable, generating $15.0M in net income for fiscal year 2024 (13.1% net margin).
FinWise Bancorp (FINW) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.
FinWise Bancorp (FINW) has a net interest margin (NIM) of 7.9%. This indicates healthy earnings from lending activities.
FinWise Bancorp (FINW) has an efficiency ratio of 54.9%. This is excellent, indicating strong cost control.