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Upturn AI SWOT - About
Finwise Bancorp (FINW)
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Upturn Advisory Summary
07/11/2025: FINW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.17
1 Year Target Price $19.17
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 26.92% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 202.85M USD | Price to earnings Ratio 16.87 | 1Y Target Price 19.17 |
Price to earnings Ratio 16.87 | 1Y Target Price 19.17 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 10.80 - 20.94 | Updated Date 07/12/2025 |
52 Weeks Range 10.80 - 20.94 | Updated Date 07/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.51% | Operating Margin (TTM) 23.65% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 7.43% |
Valuation
Trailing PE 16.87 | Forward PE - | Enterprise Value 83308552 | Price to Sales(TTM) 2.82 |
Enterprise Value 83308552 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 2.46 | Enterprise Value to EBITDA - | Shares Outstanding 13214800 | Shares Floating 8528453 |
Shares Outstanding 13214800 | Shares Floating 8528453 | ||
Percent Insiders 31.29 | Percent Institutions 28.97 |
Upturn AI SWOT
Finwise Bancorp
Company Overview
History and Background
FinWise Bancorp is a bank holding company for FinWise Bank. The bank focuses on providing innovative financial solutions to consumers and businesses nationwide. They are actively engaged in fintech partnerships and BaaS (Banking as a Service) offerings.
Core Business Areas
- Commercial Banking: Offers a range of services including commercial lending, deposit accounts, and cash management solutions to businesses.
- Consumer Banking: Provides deposit products, consumer loans, and digital banking services to individual customers.
- Fintech Partnerships/BaaS: Offers Banking as a Service (BaaS) to Fintech companies which include national lending and deposit programs
Leadership and Structure
The leadership team consists of experienced banking professionals and technology experts. The organizational structure is designed to support both traditional banking operations and fintech innovation.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides funding for businesses including term loans, lines of credit, and real estate financing. FinWise has a smaller market share compared to larger national banks. Competitors include large national banks (e.g., JPM, BAC) and regional banks. Market share data is not readily available.
- Consumer Loans: Offers personal loans, auto loans, and other credit products to consumers. Market share data is not readily available; competition comes from other banks, credit unions, and online lenders. Competitors include Upstart and LendingClub.
- Deposit Products: Provides checking accounts, savings accounts, and money market accounts. Market share data is not readily available. Competitors include all national and local banks and online financial institutions. Market Share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently undergoing rapid digital transformation, with increasing competition from fintech companies and a growing emphasis on online and mobile banking services.
Positioning
FinWise Bancorp aims to be a leader in the fintech-enabled banking space, leveraging technology to provide innovative financial solutions and reach a wider customer base. It is positioned as a nimble, tech-forward bank.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. FinWise Bancorp is positioned to capture a share of this market through its digital-first approach and fintech partnerships. TAM estimated at $10 Trillion.
Upturn SWOT Analysis
Strengths
- Strong fintech partnerships
- Innovative digital banking platform
- Experienced management team
- Agile and adaptable business model
Weaknesses
- Smaller asset base compared to larger banks
- Limited brand recognition
- Reliance on fintech partners
- Geographic concentration
Opportunities
- Expanding fintech partnerships
- Growing demand for digital banking services
- Geographic expansion
- New product development
Threats
- Increasing competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SOFI
- LC
- OPEN
Competitive Landscape
FinWise Bancorp competes with traditional banks, credit unions, and fintech companies. Its competitive advantage lies in its fintech partnerships and digital banking platform, but it faces challenges due to its smaller size and limited brand recognition. The bank is significantly smaller than its major competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be calculated using financial data from previous years
Future Projections: Future Projections need to be sourced from analyst ratings
Recent Initiatives: Recent initiatives include forming new fintech partnerships and expanding its digital banking platform.
Summary
FinWise Bancorp is a small, but nimble bank focusing on fintech partnerships which sets itself apart from other traditional banks. Its strengths lie in its technology-driven approach and its fintech partnerships. Key challenges include competition, cybersecurity risks, and the need to scale operations effectively to compete with larger institutions. Finwise needs to continue to scale and increase market share to stay competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (if available)
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share and other data may be estimates. Consult with a financial professional before making investment decisions.
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 196 | Website https://www.finwise.bank |
Full time employees 196 | 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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