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

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Meridian Corp. (Pennsylvania)

FinWise Bancorp

Ohio Valley Banc Corp.

First United Corp.

CB Financial Services, Inc.

First Financial Northwest, Inc.

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 57.43%

Positive results in Dec 25

NII(Q) Highest at USD 24.57 MM
NET PROFIT(9M) Higher at USD 12.5 MM
NET SALES(Q) Highest at USD 30.23 MM

With ROA of 0.81%, it has a very attractive valuation with a 1.13 Price to Book Value

Over the past year, while the stock has generated a return of -12.73%, its profits have risen by 26.1% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 35.72%

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

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 14.90% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -12.73% returns

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

FinWise Bancorp

-12.73%

1.36

37.61%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

57.12%

EBIT Growth (5y)

63.60%

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

35.72%

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

1.13

EV to EBIT

-5.46

EV to EBITDA

-4.48

EV to Capital Employed

0.78

EV to Sales

-0.97

PEG Ratio

0.62

Dividend Yield

ROCE (Latest)

-14.24%

ROE (Latest)

8.06%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

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

11What is working for the Company

NII(Q)

Highest at USD 24.57 MM

NET PROFIT(9M)

Higher at USD 12.5 MM

NET SALES(Q)

Highest at USD 30.23 MM

OPERATING PROFIT(Q)

Highest at USD 5.49 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -4,247.19 MM

INTEREST(9M)

At USD 16.04 MM has Grown at 35.91%

CREDIT DEPOSIT RATIO(HY)

Lowest at 78.89%

OPERATING PROFIT MARGIN(Q)

Lowest at 18.15 %

Here's what is working for FinWise Bancorp

Net Sales

At USD 30.23 MM has Grown at 56.15%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

NII

Highest at USD 24.57 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 30.23 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 5.49 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Net Profit

Higher at USD 12.5 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

Here's what is not working for FinWise Bancorp

Operating Cash Flow

Lowest at USD -4,247.19 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)

Interest

At USD 16.04 MM has Grown at 35.91%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Profit Margin

Lowest at 18.15 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Credit Deposit Ratio

Lowest at 78.89%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)