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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
10/28/2025: FINW (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.33
1 Year Target Price $20.33
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.02% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 242.67M USD | Price to earnings Ratio 18.7 | 1Y Target Price 20.33 |
Price to earnings Ratio 18.7 | 1Y Target Price 20.33 | ||
Volume (30-day avg) 3 | Beta 0.82 | 52 Weeks Range 13.48 - 22.49 | Updated Date 10/28/2025 |
52 Weeks Range 13.48 - 22.49 | Updated Date 10/28/2025 | ||
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 2025-10-23 | When After Market | Estimate 0.3 | 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 18.7 | Forward PE - | Enterprise Value 157529184 | Price to Sales(TTM) 3.24 |
Enterprise Value 157529184 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 3.12 | Enterprise Value to EBITDA - | Shares Outstanding 13519230 | Shares Floating 8818459 |
Shares Outstanding 13519230 | Shares Floating 8818459 | ||
Percent Insiders 30.67 | Percent Institutions 30.69 |
Upturn AI SWOT
Finwise Bancorp
Company Overview
History and Background
Finwise Bancorp was founded in 1927 in Sandy, Utah as Utah First Federal Credit Union and later became Utah First Bank. It has evolved over time, focusing on technology-driven banking solutions for consumers and small businesses, and rebranded as Finwise Bank.
Core Business Areas
- Banking-as-a-Service (BaaS): Finwise provides banking infrastructure to fintech companies, enabling them to offer financial products and services to their customers. They facilitate payment processing, lending, and deposit accounts.
- Small Business Lending: Finwise offers a variety of loan products tailored to small businesses, including commercial real estate loans, equipment financing, and working capital loans.
- Consumer Banking: Finwise provides traditional banking services such as checking accounts, savings accounts, and personal loans.
Leadership and Structure
Kent Landvatter serves as the CEO. The organizational structure consists of various departments overseeing lending, technology, compliance, and operations. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- BaaS Platform: Finwise's core offering is its BaaS platform which allows fintech companies to embed banking functionality into their own products. While precise market share data is not publicly available, Finwise is a prominent player in the BaaS space. Competitors include Cross River Bank, Green Dot, and Radius Bank (now LendingClub).
- Small Business Loans: Finwise provides various loan products for small businesses. The market is highly competitive, with numerous banks and credit unions offering similar products. Market share data is not readily available. Competitors include local and regional banks as well as national players like Bank of America and JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is undergoing rapid digital transformation, with increasing adoption of fintech solutions and Banking-as-a-Service models. Regulatory scrutiny and competition are also increasing.
Positioning
Finwise is positioned as a technology-forward bank specializing in BaaS and small business lending. Its competitive advantages include its robust technology platform, regulatory expertise, and focus on underserved markets.
Total Addressable Market (TAM)
The total addressable market for BaaS is estimated to reach hundreds of billions of dollars in the coming years. Finwise is positioned to capture a portion of this market by providing a comprehensive and reliable BaaS platform.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Experienced management team
- Focus on niche markets (BaaS, Small Business)
- Agile and adaptable business model
Weaknesses
- Smaller size compared to larger banks
- Concentration risk in specific industries
- Limited brand recognition
- Dependence on fintech partners
Opportunities
- Growing demand for BaaS solutions
- Expansion into new markets
- Strategic partnerships with fintech companies
- Increased adoption of digital banking
Threats
- Increased regulatory scrutiny
- Intense competition from larger banks and fintech companies
- Cybersecurity risks
- Economic downturn
Competitors and Market Share
Key Competitors
- CROSS (Cross River Bank)
- LC (LendingClub)
- AX (Axos Financial)
Competitive Landscape
Finwise Bancorp competes with larger banks and fintech companies. Its strengths lie in its technology platform and focus on BaaS, while its weaknesses include its smaller size and limited brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Discussion of Finwise Bancorp's growth trends over the past years would be included here.
Future Projections: Projections for Finwise Bancorp's future growth based on analyst estimates would be included here.
Recent Initiatives: Recent strategic initiatives undertaken by Finwise Bancorp would be included here.
Summary
Finwise Bancorp is a technology-driven bank specializing in BaaS and small business lending. Its strengths include a strong technology platform and focus on niche markets. However, its smaller size and dependence on fintech partners pose potential risks. Future growth will depend on its ability to capitalize on the growing demand for BaaS solutions and effectively manage regulatory challenges.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may not reflect actual figures. Investment decisions should be based on thorough 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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