ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is FinWise Bancorp ?
1
High Management Efficiency with a high ROA of 2.70%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.70%
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 69.52%
4
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD -2,543.99 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 82.3%
5
With ROA of 0.94%, it has a fair valuation with a 1.08 Price to Book Value
- Over the past year, while the stock has generated a return of 0.00%, its profits have fallen by -26.8%
6
High Institutional Holdings at 31.76%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.43% over the previous quarter.
7
Underperformed the market in the last 1 year
Real-Time Research ReportHow 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
2.65%
1.81
43.37%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
87.56%
EBIT Growth (5y)
112.12%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
31.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.08
EV to EBIT
-3.94
EV to EBITDA
-2.67
EV to Capital Employed
0.76
EV to Sales
-0.61
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-19.21%
ROE (Latest)
6.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NET SALES(Q)
Highest at USD 19.98 MM
OPERATING PROFIT(Q)
Highest at USD 5.43 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.16 %
PRE-TAX PROFIT(Q)
Highest at USD 5.43 MM
NET PROFIT(Q)
Highest at USD 3.93 MM
EPS(Q)
Highest at USD 0.29
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -2,543.99 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.3%
Here's what is working for FinWise Bancorp
Net Sales
Highest at USD 19.98 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 5.43 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.16 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 5.43 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 3.93 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.29
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for FinWise Bancorp
Operating Cash Flow
Lowest at USD -2,543.99 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 82.3%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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