FinWise Bancorp (FINW) vs MainStreet Bank (MNSB)

FinWise Bancorp and MainStreet Bank are both Banks Regional companies. MainStreet Bank is the larger, with a market value of $177.0M against $156.6M — 1.1× the size. FinWise Bancorp trades at the lower P/E: 11.1× against 12.2×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against −6.22%. MainStreet Bank has the higher net margin (11.6% vs 6.53%) and the lower return on invested capital (8.06% vs 11.0%). Across the 19 metrics below, FinWise Bancorp leads on 12 and MainStreet Bank on 7.

Valuation

Metric FINW MNSB Banks Regional median
P/E 11.10 12.17 12.15
P/S 0.73 1.36 2.37
P/B 0.75 0.95 1.21
Price to free cash flow 28.77 7.64 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.27 1.01 2.27
Earnings yield 9.01% 8.22% 8.11%
Free cash flow yield 3.48% 13.09% 8.98%

Profitability

Metric FINW MNSB Banks Regional median
Gross margin 89.27% 55.96% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.53% 11.59% 18.66%
Free cash flow margin 2.55% 17.81% 21.18%
Return on equity 6.94% 8.13% 10.64%
Return on assets 1.50% 0.70% 1.13%
Return on invested capital 10.95% 8.06% 8.33%

Growth

Metric FINW MNSB Banks Regional median
Revenue growth (TTM) 90.17% (6.22%) 6.61%
EPS growth (last fiscal year) 21.51% 210.00% —
Revenue growth, 5-year CAGR 28.03% 14.30% 12.30%
Net income growth, 5-year CAGR 8.23% (2.25%) 9.71%

Health

Metric FINW MNSB Banks Regional median
Debt to equity 0.00 0.33 0.22
Current ratio 0.88 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FINW MNSB Banks Regional median
Dividend yield — 2.21% 3.75%
Payout ratio 0.00 0.09 0.27

Size

Metric FINW MNSB Banks Regional median
Market cap 156.60m 177.03m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack