Finwise Bancorp (FINW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Finwise Bancorp stock (FINW) is currently trading at $15.71. Finwise Bancorp PE ratio is 13.53. Finwise Bancorp PS ratio (Price-to-Sales) is 2.27. Analyst consensus price target for FINW is $22.00. WallStSmart rates FINW as Hold.
- FINW PE ratio analysis and historical PE chart
- FINW PS ratio (Price-to-Sales) history and trend
- FINW intrinsic value — DCF, Graham Number, EPV models
- FINW stock price prediction 2025 2026 2027 2028 2029 2030
- FINW fair value vs current price
- FINW insider transactions and insider buying
- Is FINW undervalued or overvalued?
- Finwise Bancorp financial analysis — revenue, earnings, cash flow
- FINW Piotroski F-Score and Altman Z-Score
- FINW analyst price target and Smart Rating
Finwise Bancorp
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FINW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Finwise Bancorp (FINW)
FINW trades at a significant discount to its Graham intrinsic value of $52.88, offering a 67% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Finwise Bancorp (FINW) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, revenue growth, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Finwise Bancorp (FINW) Key Strengths (4)
Revenue surging 69.00% year-over-year
Earnings per share surging 41.30% year-over-year
Trading at 1.08x book value, attractively priced
Strong profitability: $18 kept per $100 revenue
Supporting Valuation Data
Finwise Bancorp (FINW) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.27x sales
Finwise Bancorp (FINW) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Price/Book. Valuation metrics including Price/Book (1.08) suggest the stock is attractively priced. Profitability is solid with Profit Margin at 17.50%. Growth metrics are encouraging with Revenue Growth at 69.00%, EPS Growth at 41.30%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Institutional Own.. Some valuation metrics including Price/Sales (2.27) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.77%, Operating Margin at 18.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.77% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 69.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FINW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FINW's Price-to-Sales ratio of 2.27x sits near its historical average of 2.1x (54th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 43% below its historical high of 3.98x set in Nov 2021, and 91% above its historical low of 1.19x in May 2023.
WallStSmart Analysis Synopsis
Data-driven financial summary for Finwise Bancorp (FINW) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Finwise Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 92M with 69% growth year-over-year. Profit margins of 17.5% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 69% YoY, reaching 92M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 877.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -28M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Finwise Bancorp maintain 69%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Finwise Bancorp.
Bottom Line
Finwise Bancorp offers an attractive blend of growth (69% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:28:15 AM
About Finwise Bancorp(FINW)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FinWise Bancorp is FinWise Bank's banking holding company that offers various banking services to individual and corporate clients. The company is headquartered in Murray, Utah.