FinWise Bancorp Statistics

Total Valuation

FINW has a market cap or net worth of $133.31 million. The enterprise value is $23.72 million.

Market Cap	133.31M
Enterprise Value	23.72M

Important Dates

The next estimated earnings date is Thursday, July 25, 2024, after market close.

Earnings Date	Jul 25, 2024
Ex-Dividend Date	n/a

Share Statistics

FINW has 12.79 million shares outstanding. The number of shares has decreased by -0.99% in one year.

Shares Outstanding	12.79M
Shares Change (YoY)	-0.99%
Shares Change (QoQ)	+3.41%
Owned by Insiders (%)	30.32%
Owned by Institutions (%)	22.25%
Float	8.30M

Valuation Ratios

The trailing PE ratio is 8.08 and the forward PE ratio is 11.23.

PE Ratio	8.08
Forward PE	11.23
PS Ratio	2.01
Forward PS	1.58
PB Ratio	0.82
P/FCF Ratio	65.70
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 0.84, with an EV/FCF ratio of 11.69.

EV / Earnings	1.40
EV / Sales	0.36
EV / EBITDA	0.84
EV / EBIT	1.03
EV / FCF	11.69

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.04
Debt / EBITDA	0.22
Debt / FCF	3.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.00% and return on invested capital (ROIC) is 10.03%.

Return on Equity (ROE)	11.00%
Return on Assets (ROA)	3.00%
Return on Capital (ROIC)	10.03%
Revenue Per Employee	$379,171
Profits Per Employee	$96,651
Employee Count	175
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, FINW has paid $6.18 million in taxes.

Income Tax	6.18M
Effective Tax Rate	26.77%

Stock Price Statistics

The stock price has increased by +33.08% in the last 52 weeks. The beta is 0.71, so FINW's price volatility has been lower than the market average.

Beta (1Y)	0.71
52-Week Price Change	+33.08%
50-Day Moving Average	10.24
200-Day Moving Average	10.68
Relative Strength Index (RSI)	50.63
Average Volume (30 Days)	20,934

Short Selling Information

The latest short interest is 12,270, so 0.10% of the outstanding shares have been sold short.

Short Interest	12,270
Short Previous Month	65,714
Short % of Shares Out	0.10%
Short % of Float	0.15%
Short Ratio (days to cover)	0.52

Income Statement

In the last 12 months, FINW had revenue of $66.36 million and earned $16.91 million in profits. Earnings per share was $1.29.

Revenue	66.36M
Gross Profit	66.36M
Operating Income	23.10M
Pretax Income	23.10M
Net Income	16.91M
EBITDA	28.10M
EBIT	23.10M
Earnings Per Share (EPS)	$1.29

Full Income Statement

Balance Sheet

The company has $115.79 million in cash and $6.20 million in debt, giving a net cash position of $109.59 million or $8.57 per share.

Cash & Cash Equivalents	115.79M
Total Debt	6.20M
Net Cash	109.59M
Net Cash Per Share	$8.57
Equity / Book Value	162.48M
Book Value Per Share	12.70
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $10.50 million and capital expenditures -$8.47 million, giving a free cash flow of $2.03 million.

Operating Cash Flow	10.50M
Capital Expenditures	-8.47M
Free Cash Flow	2.03M
FCF Per Share	$0.16

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 34.81% and 25.49%.

Gross Margin	100.00%
Operating Margin	34.81%
Pretax Margin	34.81%
Profit Margin	25.49%
EBITDA Margin	42.35%
EBIT Margin	34.81%
FCF Margin	3.06%

Dividends & Yields

FINW does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.99%
Shareholder Yield	0.99%
Earnings Yield	12.69%
FCF Yield	1.52%

Analyst Forecast

The average price target for FINW is $17.00, which is 63.15% higher than the current price. The consensus rating is "Buy".

Price Target	$17.00
Price Target Difference	63.15%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4