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FinWise Bancorp (FINW) vs Finward Bancorp (FNWD)

FinWise Bancorp and Finward Bancorp are both Banks Regional companies. FinWise Bancorp and Finward Bancorp are of similar size ($188.2M and $187.9M). FinWise Bancorp trades at the lower P/E: 13.5× against 19.0×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 0.15%. Finward Bancorp has the higher net margin (9.65% vs 6.53%) and the lower return on invested capital (4.41% vs 11.0%). Across the 18 metrics below, FinWise Bancorp leads on 13 and Finward Bancorp on 5.

Valuation

Metric FINW FNWD Banks Regional median
P/E 13.47 18.99 12.02
P/S 0.89 1.83 2.36
P/B 0.90 1.04 1.23
Price to free cash flow 34.92 10.72 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.42% 5.27% 8.21%
Free cash flow yield 2.86% 9.33% 9.23%

Profitability

Metric FINW FNWD Banks Regional median
Gross margin 89.27% 67.76% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.53% 9.65% 18.82%
Free cash flow margin 2.55% 17.07% 17.97%
Return on equity 6.94% 5.90% 10.28%
Return on assets 1.50% 0.48% 1.13%
Return on invested capital 10.95% 4.41% 8.45%

Growth

Metric FINW FNWD Banks Regional median
Revenue growth (TTM) 90.17% 0.15% 6.37%
EPS growth (last fiscal year) 21.51% (33.80%) 18.85%
Revenue growth, 5-year CAGR 28.03% 7.69% 12.65%
Net income growth, 5-year CAGR 8.23% (12.68%) 9.81%

Health

Metric FINW FNWD Banks Regional median
Debt to equity 0.00 0.36 0.17
Current ratio 0.88 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FINW FNWD Banks Regional median
Dividend yield — 1.10% 2.49%
Payout ratio — 0.21 0.29

Size

Metric FINW FNWD Banks Regional median
Market cap 187.87m 188.16m 934.85m

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