Is Finwise Bancorp Stock a Good Investment?
Finwise Bancorp Investment Advice | FINW |
- Examine Finwise Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Finwise Bancorp's leadership team and their track record. Good management can help Finwise Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Finwise Bancorp's business and its evolving consumer preferences.
- Compare Finwise Bancorp's performance and market position to its competitors. Analyze how Finwise Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if Finwise Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Finwise Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Finwise Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Finwise Bancorp is a good investment.
Sell | Buy |
Buy
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Finwise Bancorp Stock
Researching Finwise Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 32.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.37. Some equities with similar Price to Book (P/B) outperform the market in the long run. Finwise Bancorp had not issued any dividends in recent years.
To determine if Finwise Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Finwise Bancorp's research are outlined below:
| About 32.0% of the company shares are held by company insiders | |
| Latest headline from news.google.com: Short Interest in FinWise Bancorp Drops By 21.4 percent - MarketBeat |
Finwise Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Finwise Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Finwise Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 25th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Finwise Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Finwise Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-10-24 | 2024-09-30 | 0.21 | 0.25 | 0.04 | 19 | ||
2024-07-25 | 2024-06-30 | 0.19 | 0.24 | 0.05 | 26 | ||
2023-01-25 | 2022-12-31 | 0.43 | 0.49 | 0.06 | 13 | ||
2022-10-26 | 2022-09-30 | 0.36 | 0.27 | -0.09 | 25 | ||
2023-10-26 | 2023-09-30 | 0.24 | 0.37 | 0.13 | 54 | ||
2022-04-28 | 2022-03-31 | 0.61 | 0.76 | 0.15 | 24 | ||
2022-07-27 | 2022-06-30 | 0.57 | 0.41 | -0.16 | 28 | ||
2023-07-27 | 2023-06-30 | 0.18 | 0.36 | 0.18 | 100 |
Know Finwise Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Finwise Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Finwise Bancorp backward and forwards among themselves. Finwise Bancorp's institutional investor refers to the entity that pools money to purchase Finwise Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Blackrock Inc | 2024-06-30 | 33.4 K | Millennium Management Llc | 2024-06-30 | 28.6 K | Gilder Gagnon Howe & Co Llc | 2024-09-30 | 26 K | Jane Street Group Llc | 2024-06-30 | 25.7 K | Smith Moore & Co | 2024-06-30 | 25 K | Empowered Funds, Llc | 2024-06-30 | 20.4 K | Citadel Advisors Llc | 2024-06-30 | 20.3 K | Townsquare Capital Llc | 2024-06-30 | 14.5 K | State Street Corp | 2024-06-30 | 14.3 K | Alliancebernstein L.p. | 2024-06-30 | 987.2 K | Vanguard Group Inc | 2024-09-30 | 416 K |
Finwise Bancorp's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 233.97 M.Market Cap |
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Finwise Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.03 | 0.06 | |
| Return On Capital Employed | 0.07 | 0.06 | |
| Return On Assets | 0.03 | 0.06 | |
| Return On Equity | 0.11 | 0.11 |
Determining Finwise Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Finwise Bancorp is a good buy. For example, gross profit margin measures Finwise Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Finwise Bancorp's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Finwise Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Finwise Bancorp. Check Finwise Bancorp's Beneish M Score to see the likelihood of Finwise Bancorp's management manipulating its earnings.
Evaluate Finwise Bancorp's management efficiency
Finwise Bancorp has return on total asset (ROA) of 0.0228 % which means that it generated a profit of $0.0228 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.088 %, meaning that it created $0.088 on every $100 dollars invested by stockholders. Finwise Bancorp's management efficiency ratios could be used to measure how well Finwise Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Finwise Bancorp's Return On Tangible Assets are fairly stable compared to the past year. Return On Assets is likely to climb to 0.06 in 2024, whereas Return On Capital Employed is likely to drop 0.06 in 2024. At this time, Finwise Bancorp's Non Current Assets Total are fairly stable compared to the past year. Return On Tangible Assets is likely to climb to 0.06 in 2024, whereas Net Tangible Assets are likely to drop slightly above 92.1 M in 2024.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 12.42 | 8.79 | |
| Tangible Book Value Per Share | 12.08 | 8.54 | |
| Enterprise Value Over EBITDA | 2.47 | 2.35 | |
| Price Book Value Ratio | 1.15 | 1.09 | |
| Enterprise Value Multiple | 2.47 | 2.35 | |
| Price Fair Value | 1.15 | 1.09 | |
| Enterprise Value | 68.2 M | 101.2 M |
Leadership effectiveness at Finwise Bancorp is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Beta 0.695 |
Basic technical analysis of Finwise Stock
As of the 22nd of November, Finwise Bancorp shows the Mean Deviation of 1.18, coefficient of variation of 315.64, and Downside Deviation of 0.9934. Finwise Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm Finwise Bancorp coefficient of variation, maximum drawdown, as well as the relationship between the Maximum Drawdown and skewness to decide if Finwise Bancorp is priced favorably, providing market reflects its regular price of 17.73 per share. Given that Finwise Bancorp has jensen alpha of 0.5482, we urge you to verify Finwise Bancorp's prevailing market performance to make sure the company can sustain itself at a future point.Finwise Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Finwise Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Finwise Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Finwise Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Finwise Bancorp's Outstanding Corporate Bonds
Finwise Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Finwise Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Finwise bonds can be classified according to their maturity, which is the date when Finwise Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| HSBC Holdings PLC Corp BondUS404280DR76 | View |
Understand Finwise Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Finwise Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.2471 | |||
| Market Risk Adjusted Performance | (1.72) | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 0.3051 | |||
| Downside Deviation | 0.9934 | |||
| Coefficient Of Variation | 315.64 | |||
| Standard Deviation | 1.67 | |||
| Variance | 2.78 | |||
| Information Ratio | 0.2512 | |||
| Jensen Alpha | 0.5482 | |||
| Total Risk Alpha | 0.3008 | |||
| Sortino Ratio | 0.4216 | |||
| Treynor Ratio | (1.73) | |||
| Maximum Drawdown | 7.72 | |||
| Value At Risk | (1.88) | |||
| Potential Upside | 4.46 | |||
| Downside Variance | 0.9869 | |||
| Semi Variance | 0.0931 | |||
| Expected Short fall | (1.55) | |||
| Skewness | 1.33 | |||
| Kurtosis | 1.99 |
| Risk Adjusted Performance | 0.2471 | |||
| Market Risk Adjusted Performance | (1.72) | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 0.3051 | |||
| Downside Deviation | 0.9934 | |||
| Coefficient Of Variation | 315.64 | |||
| Standard Deviation | 1.67 | |||
| Variance | 2.78 | |||
| Information Ratio | 0.2512 | |||
| Jensen Alpha | 0.5482 | |||
| Total Risk Alpha | 0.3008 | |||
| Sortino Ratio | 0.4216 | |||
| Treynor Ratio | (1.73) | |||
| Maximum Drawdown | 7.72 | |||
| Value At Risk | (1.88) | |||
| Potential Upside | 4.46 | |||
| Downside Variance | 0.9869 | |||
| Semi Variance | 0.0931 | |||
| Expected Short fall | (1.55) | |||
| Skewness | 1.33 | |||
| Kurtosis | 1.99 |
Consider Finwise Bancorp's intraday indicators
Finwise Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Finwise Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Finwise Bancorp Corporate Filings
10Q | 12th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
F3 | 5th of November 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 4th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 1st of August 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Finwise Stock media impact
Far too much social signal, news, headlines, and media speculation about Finwise Bancorp that are available to investors today. That information is available publicly through Finwise media outlets and privately through word of mouth or via Finwise internal channels. However, regardless of the origin, that massive amount of Finwise data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Finwise Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Finwise Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Finwise Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Finwise Bancorp alpha.
Finwise Bancorp Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Finwise Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Finwise Bancorp Corporate Executives
Elected by the shareholders, the Finwise Bancorp's board of directors comprises two types of representatives: Finwise Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Finwise. The board's role is to monitor Finwise Bancorp's management team and ensure that shareholders' interests are well served. Finwise Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Finwise Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Robert CPA | Executive CFO | Profile | |
| Javvis Jacobson | Executive CFO | Profile | |
| Robert Wahlman | Executive CFO | Profile | |
| Richard Thiessens | Executive CTO | Profile |
Additional Tools for Finwise Stock Analysis
When running Finwise Bancorp's price analysis, check to measure Finwise Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Finwise Bancorp is operating at the current time. Most of Finwise Bancorp's value examination focuses on studying past and present price action to predict the probability of Finwise Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Finwise Bancorp's price. Additionally, you may evaluate how the addition of Finwise Bancorp to your portfolios can decrease your overall portfolio volatility.