XNASFINW
Market cap217mUSD
Jan 16, Last price
16.45USD
1D
1.36%
1Q
1.92%
IPO
29.22%
Name
Finwise Bancorp
Chart & Performance
P/E
12.45
P/S
3.40
EPS
1.32
Div Yield, %
0.00%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
64m
+1,073.47%
Net income
17m
-30.48%
CFO
12m
-79.94%
Earnings
Jan 27, 2025
Profile
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 64,001 1,073.47% | 5,454 -93.17% | |||
Cost of revenue | 40,564 | 29,370 | |||
Unusual Expense (Income) | |||||
NOPBT | 23,437 | (23,916) | |||
NOPBT Margin | 36.62% | ||||
Operating Taxes | 6,353 | 10,916 | |||
Tax Rate | 27.11% | ||||
NOPAT | 17,084 | (34,832) | |||
Net income | 17,460 -30.48% | 25,115 -20.48% | |||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | (4,741) | (876) | |||
BB yield | 2.57% | 0.71% | |||
| Debt | |||||
Debt current | 1,104 | 7,020 | |||
Long-term debt | 10,574 | 17,212 | |||
Deferred revenue | (2,810) | ||||
Other long-term liabilities | 417,614 | 243,461 | |||
Net debt | (124,885) | (95,427) | |||
| Cash flow | |||||
Cash from operating activities | 12,265 | 61,153 | |||
CAPEX | (7,458) | (7,213) | |||
Cash from investing activities | (152,870) | (35,834) | |||
Cash from financing activities | 157,013 | (10,506) | |||
FCF | 260,857 | (175,524) | |||
| Balance | |||||
Cash | 116,975 | 100,567 | |||
Long term investments | 19,588 | 19,092 | |||
Excess cash | 133,363 | 119,386 | |||
Stockholders' equity | 103,856 | 85,845 | |||
Invested Capital | 246,346 | 311,400 | |||
ROIC | 6.13% | ||||
ROCE | 6.69% | ||||
| EV | |||||
Common stock shares outstanding | 12,910 | 13,357 | |||
Price | 14.31 54.54% | 9.26 -32.85% | |||
Market cap | 184,737 49.36% | 123,686 -1.53% | |||
EV | 59,852 | 28,259 | |||
EBITDA | 27,248 | (21,809) | |||
EV/EBITDA | 2.20 | ||||
Interest | 9,975 | 1,434 | |||
Interest/NOPBT | 42.56% | ||||