Finwise Bancorp vs Five Star Bancorp
FINW and FSBC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FINW and FSBC compare
Five Star Bancorp is the larger company, worth 5.4 times as much as Finwise Bancorp ($1.1B against $202M).
On earnings, Finwise Bancorp is cheaper: it trades at 10.8× trailing earnings, against 12.6× for Five Star Bancorp.
Finwise Bancorp grew revenue faster over the last twelve months (135% versus 26.0% for Five Star Bancorp).
Five Star Bancorp keeps more of each dollar of sales as profit, with a net margin of 41.0% compared with 7.6% at Finwise Bancorp.
Five Star Bancorp pays a dividend yielding 2.3%; Finwise Bancorp does not pay one.
Five Star Bancorp scores higher on the StockData Score (13 against 12 for Finwise Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FINW | FSBC |
|---|---|---|
| Size and price | ||
| Market cap | $202M | $1.1B |
| Share price | $14.57 | $44.31 |
| Change, 1 year | −23.6% | 26.1% |
| Change, 5 years | 14.5% | 43.6% |
| Beta (5Y) | 0.45 | 0.81 |
| Employees | 198 | 233 |
| StockData Score | ||
| Total score | 12 | 13 (better) |
| Valuation score | 4 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 1 | 4 (better) |
| Health score | 5 (better) | 3 |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 10.8× (better) | 12.6× |
| P/S | 0.8× (better) | 5.7× |
| P/B | 1.0× (better) | 1.8× |
| P/FCF | 3.1× (better) | 12.3× |
| PEG | – | 3.51 |
| FCF yield | 32.4% (better) | 8.1% |
| Fair value | $16.00 | $39.54 |
| Margin of safety | 8.9% (better) | −12.1% |
| Growth | ||
| Revenue growth (TTM) | 135% (better) | 26.0% |
| Revenue growth, 5Y average | – | 16.3% |
| Net income growth (TTM) | 25.8% | 35.4% (better) |
| EPS growth (TTM) | 27.4% | 30.7% (better) |
| EPS growth, 5Y average | – | −4.1% |
| Profitability | ||
| Net margin | 7.6% | 41.0% (better) |
| FCF margin | 26.6% | 46.6% (better) |
| Return on equity | 9.5% | 14.8% (better) |
| Financial health | ||
| Altman Z-score | 0.63 (better) | 0.21 |
| Piotroski F-score | 3 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 2.3% |
| Payout ratio | – | 27.2% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | −21.2% |
| Shareholder yield | 0.00% | 2.3% (better) |
| Ownership | ||
| Held by institutions | 29.3% | 52.9% |
| Held by insiders | 19.7% | 18.1% |
| Insider net buying, 12 months | $53.4K | $5.3M (better) |
| Short interest, % of float | 0.78% | 6.1% |
Go deeper
- FINW stock overview
- FINW income statement
- FINW valuation and score
- FSBC stock overview
- FSBC income statement
- FSBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.