FinWise Bancorp () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

FNCB Bancorp, Inc.

LINKBANCORP, Inc.

CB Financial Services, Inc.

First United Corp.

FinWise Bancorp

Peoples Bancorp of North Carolina, Inc.

Hawthorn Bancshares, Inc.

First Financial Northwest, Inc.

Ohio Valley Banc Corp.

Meridian Corp. (Pennsylvania)

Why is FinWise Bancorp ?

High Management Efficiency with a high ROA of 2.70%

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.70%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 57.05%

Positive results in Mar 26

NII(Q) Highest at USD 28.24 MM
NET SALES(Q) Highest at USD 33.69 MM

With ROA of 0.95%, it has a attractive valuation with a 1.11 Price to Book Value

Over the past year, while the stock has generated a return of 0.50%, its profits have risen by 24.5% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 33.66%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

The stock has generated a return of 0.50% in the last 1 year, much lower than market (S&P 500) returns of 25.41%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to FinWise Bancorp should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is FinWise Bancorp for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

FinWise Bancorp

0.5%

1.09

37.08%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

57.22%

EBIT Growth (5y)

62.91%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

33.66%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.11

EV to EBIT

-6.11

EV to EBITDA

-4.65

EV to Capital Employed

0.82

EV to Sales

-1.01

PEG Ratio

0.66

Dividend Yield

ROCE (Latest)

-13.35%

ROE (Latest)

7.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

NII(Q)

Highest at USD 28.24 MM

NET SALES(Q)

Highest at USD 33.69 MM

-12What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -6,183.41 MM

INTEREST(9M)

At USD 16.48 MM has Grown at 34.5%

GROSS NPA (%)

OPERATING PROFIT(Q)

Lowest at USD 3.8 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 11.27 %

PRE-TAX PROFIT(Q)

Lowest at USD 3.8 MM

NET PROFIT(Q)

Lowest at USD 2.71 MM

EPS(Q)

Lowest at USD 0.2

Here's what is working for FinWise Bancorp

NII

Highest at USD 28.24 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 33.69 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Sales

At USD 33.69 MM has Grown at 76.99%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Here's what is not working for FinWise Bancorp

Operating Cash Flow

Lowest at USD -6,183.41 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 8.67%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest

At USD 16.48 MM has Grown at 34.5%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Profit

Lowest at USD 3.8 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 11.27 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 3.8 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2.71 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.2

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)