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Upturn AI SWOT - About
FINW 
Finwise Bancorp (FINW)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/12/2025: FINW (3-star) is a STRONG-BUY. BUY since 49 days. Simulated Profits (21.96%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.67
1 Year Target Price $19.67
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 59.34% | Avg. Invested days 44 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 260.51M USD | Price to earnings Ratio 20.07 | 1Y Target Price 19.67 |
Price to earnings Ratio 20.07 | 1Y Target Price 19.67 | ||
Volume (30-day avg) 3 | Beta 0.83 | 52 Weeks Range 13.48 - 20.94 | Updated Date 09/14/2025 |
52 Weeks Range 13.48 - 20.94 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.96 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.04% | Operating Margin (TTM) 26.68% |
Management Effectiveness
Return on Assets (TTM) 1.85% | Return on Equity (TTM) 7.78% |
Valuation
Trailing PE 20.07 | Forward PE - | Enterprise Value 175374560 | Price to Sales(TTM) 3.47 |
Enterprise Value 175374560 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 2.96 | Enterprise Value to EBITDA - | Shares Outstanding 13519200 | Shares Floating 8818459 |
Shares Outstanding 13519200 | Shares Floating 8818459 | ||
Percent Insiders 30.67 | Percent Institutions 30.6 |
Upturn AI SWOT
Finwise Bancorp
Company Overview
History and Background
Finwise Bancorp, a bank holding company, provides banking products and services to individuals and businesses. The company was formerly known as The Benefit Bancorp, Inc. and changed its name to Finwise Bancorp in March 2024. It was founded in 1934.
Core Business Areas
- Commercial Banking: Provides lending and deposit products to small and medium-sized businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers a variety of deposit products, including checking accounts, savings accounts, and certificates of deposit, as well as residential mortgage loans and consumer loans to individuals.
- Fintech Solutions: Partners with Fintech companies to deliver innovative payment solutions and banking products.
Leadership and Structure
Finwise Bancorp's leadership team includes its CEO and CFO. The organizational structure consists of various departments responsible for different banking functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Finwise provides CRE loans for various purposes, targeting local businesses. No precise market share is available. Competitors include regional and national banks like U.S. Bancorp (USB) and PNC Financial Services Group (PNC).
- Consumer Loans: Personal loans offered to retail customers. No precise market share data available. Competitors include regional banks and fintech companies like LendingClub (LC).
- Checking and Savings Accounts: Checking, savings, and other deposit accounts. No precise market share data available. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently undergoing significant change, with increasing competition from fintech companies and evolving customer preferences. Interest rate fluctuations and regulatory changes also impact profitability.
Positioning
Finwise Bancorp positions itself as a community bank focused on serving the needs of small businesses and individuals in its local market. It leverages technology to enhance customer experience and efficiency.
Total Addressable Market (TAM)
The total addressable market for banking services in Finwise's geographic region is significant. The TAM is in the multi-billion dollar range but depends on the specific region. Finwise's positioning is based on community focus allowing for some degree of customer stickiness
Upturn SWOT Analysis
Strengths
- Strong local presence
- Community focus
- Experienced management team
- Fintech Partnerships
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Regulatory overhead
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Partnerships with fintech companies
- Organic loan growth
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- USB
- PNC
- BAC
- WFC
- JPM
Competitive Landscape
Finwise Bancorp competes with larger national and regional banks, as well as smaller community banks and fintech lenders. Its competitive advantage lies in its local presence and strong customer relationships. However, its smaller asset base and limited geographic reach can be disadvantages.
Major Acquisitions
None
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: No Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Finwise Bancorp's growth has been steady, driven by organic loan growth and strategic acquisitions. Historical data can be analyzed to show growth trends.
Future Projections: Analyst estimates suggest continued growth for Finwise Bancorp, driven by its focus on small business lending and fintech partnerships. Future growth is dependent on the economy.
Recent Initiatives: Recent initiatives include expanding into new markets through fintech partnerships, and investment into increasing digital accessibility and security.
Summary
Finwise Bancorp is a small community bank focusing on local business banking and fintech partnerships. Its relatively small size is both a strength, in terms of customer relations, and a weakness, limiting scale and requiring careful risk management. Growth projections are reasonably positive and will depend on their ability to execute on technology partnerships and manage rising rates. Finwise must stay competitive against much larger financial institutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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 & Chairman Mr. Kent R. Landvatter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 200 | Website https://www.finwise.bank |
Full time employees 200 | Website https://www.finwise.bank | ||
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. The company was formerly known as All West Bancorp. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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