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Upturn AI SWOT - About
Finwise Bancorp (FINW)
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Upturn Advisory Summary
04/01/2025: FINW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.73% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 231.73M USD | Price to earnings Ratio 18.83 | 1Y Target Price 21.67 |
Price to earnings Ratio 18.83 | 1Y Target Price 21.67 | ||
Volume (30-day avg) 20938 | Beta 0.79 | 52 Weeks Range 9.56 - 20.94 | Updated Date 04/1/2025 |
52 Weeks Range 9.56 - 20.94 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.25% | Operating Margin (TTM) 21.39% |
Management Effectiveness
Return on Assets (TTM) 1.91% | Return on Equity (TTM) 7.75% |
Valuation
Trailing PE 18.83 | Forward PE - | Enterprise Value 127539816 | Price to Sales(TTM) 3.32 |
Enterprise Value 127539816 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 2.87 | Enterprise Value to EBITDA - | Shares Outstanding 13211600 | Shares Floating 8951415 |
Shares Outstanding 13211600 | Shares Floating 8951415 | ||
Percent Insiders 31.51 | Percent Institutions 26.83 |
Analyst Ratings
Rating 4.33 | Target Price 20.33 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Finwise Bancorp
Company Overview
History and Background
Finwise Bancorp, Inc., headquartered in American Fork, Utah, operates as the bank holding company for FinWise Bank. It was founded in 2000. The bank focuses on serving small businesses and offering a range of deposit and loan products. Key milestones include navigating the regulatory landscape for fintech partnerships and focusing on profitability. The evolution of the company involves integrating technology to streamline banking operations.
Core Business Areas
- Commercial Banking: Provides lending and deposit services to small and medium-sized businesses.
- Fintech Partnership: Partners with fintech companies to offer lending and deposit services to their customers.
- Warehouse Lending: Offers warehouse lending facilities to mortgage companies.
Leadership and Structure
The leadership team consists of CEO Kent Landvatter and other key executives. The organizational structure includes various departments such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- SBA Loans: Offers Small Business Administration (SBA) loans to small businesses. Market share data for Finwise Bank's SBA lending isn't widely publicized, but they compete with other SBA lenders like Live Oak Bancshares (LOB) and Customers Bancorp (CUBI).
- High-Yield Savings Accounts: Provides high-yield savings accounts to attract deposits. Competitors include Ally Financial (ALLY) and Capital One (COF).
- Warehouse Lines of Credit: FinWise Bank provides warehouse lines of credit to mortgage lenders to fund loans until they can be sold to permanent investors. It's difficult to isolate this product line's exact market share and revenue. Competitors include Flagstar Bancorp and other specialized warehouse lenders.
Market Dynamics
Industry Overview
The banking industry is currently undergoing a period of digital transformation and increased competition from fintech companies. Interest rates are fluctuating, impacting lending margins. Regulatory scrutiny is high, especially regarding fintech partnerships.
Positioning
Finwise Bancorp is positioned as a tech-savvy bank that partners with fintech companies to expand its reach. Its competitive advantage lies in its ability to integrate technology and offer specialized lending solutions.
Total Addressable Market (TAM)
The TAM for the US banking sector is several trillion dollars, encompassing consumer and commercial banking activities. Finwise Bancorp is positioned to capture a portion of this TAM through its focus on small business lending and fintech partnerships. The exact TAM relevant to Finwise is hard to put an exact amount on, as this is ever changing and highly dependent on market conditions.
Upturn SWOT Analysis
Strengths
- Strong fintech partnerships
- Focus on small business lending
- Experienced management team
- Growing deposit base
Weaknesses
- Relatively small asset size compared to larger banks
- High concentration in specific lending sectors
- Dependence on fintech partners
- Limited geographic diversification
Opportunities
- Expanding fintech partnerships
- Increasing market share in SBA lending
- Acquiring smaller community banks
- Developing new digital banking products
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes impacting fintech partnerships
- Economic downturn affecting loan quality
- Rising interest rates increasing funding costs
Competitors and Market Share
Key Competitors
- LOB
- CUBI
- ALLY
- COF
Competitive Landscape
Finwise Bancorp faces competition from larger banks with greater resources and established fintech companies. Its advantage lies in its niche focus and agile approach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Finwise Bancorp has demonstrated growth in recent years through increased lending volume and deposit growth.
Future Projections: Analyst estimates project continued growth for Finwise Bancorp, driven by its fintech partnerships and small business lending focus.
Recent Initiatives: Recent initiatives include expanding partnerships with new fintech companies and launching new digital banking products.
Summary
Finwise Bancorp is a smaller bank with a strong focus on fintech partnerships, giving it a competitive edge in certain markets. While it faces stiff competition from larger institutions and fintech companies, its niche focus allows it to operate more efficiently. The company's ability to maintain its partnership and stay agile in an ever-changing market makes it a promising investment. Finwise Bancorp needs to ensure it does not become overly dependent on fintech companies or its current lending sectors.
Similar Companies
- LOB
- CUBI
- PB
- ALLY
- SOFI
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Finwise Bancorp
Exchange NASDAQ | Headquaters Murray, UT, United States | ||
IPO Launch date 2021-11-19 | CEO, President & Chairman Mr. Kent R. Landvatter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 196 | |
Full time employees 196 | |||
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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