FINW FinWise Bancorp - Common Stock
$13.88
株価 · 5月 22, 2026
ファンダメンタルズ（時点） 5月 12, 2026
52週レンジ
$13–$22
11% of range
アナリスト評価
BUY
9 analysts
目標株価
$19
+37% upside
P/E (TTM)
15.9
ROE
8.6%
純利益率
12.3%
FINW 株価スナップショット 価格、時価総額、P/E、EPS、ROE、負債/資本、52週レンジ
株価
$13.88
時価総額
$245M
P/E (TTM)
15.9
EPS（TTM）
$1.13
収益（TTM）
—
配当利回り
—
ROE
8.6%
負債/自己資本
—
52週レンジ
$13 – $22
FINW 株価チャート 技術指標付きの日次 OHLCV — パン、ズーム、ビューのカスタマイズ
Configure
10年間のパフォーマンス 収益、純利益、利益率、EPSのトレンド
収益と純利益
—
EPS
$1.13
2021-12-31
→
2025-12-31
フリーキャッシュフロー
$-29M
2022-12-31
→
2025-12-31
利益率
12.3%
バリュエーション P/E、P/S、P/B、EV/EBITDA比率 — 株は割高か割安か？
指標
5年トレンド
FINW
競合中央値
P/E (TTM)
15.9
11.7
P/S (TTM) (株価売上高倍率（TTM）)
1.9
2.3
P/B (株価純資産倍率)
1.3
1.0
Price / FCF (株価FCF倍率)
-8.6
—
収益性 粗利益率、営業利益率、純利益率、ROE、ROA、ROIC
指標
5年トレンド
FINW
競合中央値
Net Profit Margin (純利益率)
12.3%
25.6%
ROA
1.9%
0.98%
ROE
8.6%
8.3%
財務健全性 負債、流動性、支払能力 — バランスシートの健全性
指標
5年トレンド
FINW
競合中央値
成長 収益、EPS、純利益の成長率：前年比、3年CAGR、5年CAGR
指標
5年トレンド
FINW
競合中央値
Revenue YoY (収益（前年比）)
60.5%
—
Revenue CAGR 3Y (収益（3年CAGR）)
14.0%
—
EPS YoY
21.5%
—
Net Income YoY (純利益（前年比）)
26.3%
—
資本効率 総資産回転率、棚卸資産回転率、売掛金回転率
指標
5年トレンド
FINW
競合中央値
FINW アナリストコンセンサス 強気・弱気のアナリストの見解、12ヶ月の目標株価、アップサイド
買い
9 アナリスト
- 強い買い 3 33.3%
- 買い 5 55.6%
- 保有 1 11.1%
- 売り 0 0.0%
- 強い売り 0 0.0%
12ヶ月目標株価
3 アナリスト · 2026-05-22
中央値
$19.00
← 全目標を下回る
$13.88
安値
$18.00
高値
$20.00
中央値ターゲット
$19.00
+36.9%
平均値ターゲット
$19.00
+36.9%
決算履歴 EPS実績 vs 予想、サプライズ%、達成率、次回決算日
平均サプライズ
-0.03%
| 期間 | EPS Actual | EPS 予想 | サプライズ |
|---|---|---|---|
| 2026年3月31日 | $0.20 | $0.33 | -0.13% |
| 2025年12月31日 | $0.27 | $0.35 | -0.08% |
| 2025年9月30日 | $0.34 | $0.30 | 0.04% |
| 2025年6月30日 | $0.29 | $0.23 | 0.06% |
| 2025年3月31日 | $0.23 | $0.26 | -0.03% |
ピア比較 主要メトリクスとセクターピアの比較
| ティッカー | 時価総額 | P/E | 売上高 YoY | 純利益率 | ROE | 粗利益率 |
|---|---|---|---|---|---|---|
| FINW | $245M | 15.9 | 60.5% | 12.3% | 8.6% | — |
| CZWI | $171M | 12.2 | 10.2% | 23.1% | 7.8% | — |
| USCB | — | 13.8 | 9.1% | 28.9% | 11.6% | — |
| CFBK | — | 9.3 | 17.6% | 28.8% | 9.7% | — |
| CBFV | $176M | 37.9 | — | 11.3% | 3.2% | — |
| FCAP | $198M | 12.1 | 1.6% | 228.3% | 13.0% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
完全なファンダメンタルズ 年次別全指標 — 損益計算書、貸借対照表、キャッシュフロー
損益計算書 10
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Interest Expense | · | · | $10M | $1M | $1M | |
| Interest Income | $92M | $74M | $65M | $52M | $49M | |
| Pretax Income | $22M | $17M | $24M | $36M | $42M | |
| Income Tax | $6M | $4M | $6M | $11M | $11M | |
| Net Income | $16M | $13M | $17M | $25M | $32M | |
| EPS (Basic) | $1.20 | $0.98 | $1.38 | $1.96 | $3.44 | |
| EPS (Diluted) | $1.13 | $0.93 | $1.33 | $1.87 | $3.27 | |
| Shares (Basic) | 12,828,016 | 12,612,455 | 12,488,564 | 12,729,898 | 8,669,724 | |
| Shares (Diluted) | 13,565,336 | 13,228,869 | 12,909,648 | 13,357,022 | 9,108,163 | |
| EBITDA | $900.0K | $3M | · | · | · |
貸借対照表 13
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $163M | $109M | $117M | $101M | $86M | |
| PP&E (Net) | $3M | $4M | $15M | $9M | $3M | |
| PP&E (Gross) | $7M | $7M | $18M | $12M | $5M | |
| Accum. Depreciation | $4M | $4M | $4M | $2M | $1M | |
| Total Assets | $977M | $746M | $586M | $401M | $380M | |
| Deferred Tax | $0 | $899.0K | $748.0K | $0 | · | |
| Total Liabilities | $784M | $572M | $431M | $260M | $265M | |
| Common Stock | $14.0K | $13.0K | $12.0K | $13.0K | $13.0K | |
| Retained Earnings | $132M | $117M | $104M | $86M | $61M | |
| AOCI | $26.0K | $187.0K | $0 | · | · | |
| Stockholders' Equity | $193M | $174M | $155M | $140M | $115M | |
| Liabilities + Equity | $977M | $746M | $586M | $401M | $380M | |
| Shares Outstanding | 13,655,961 | 13,211,640 | 12,493,565 | 12,831,345 | 12,772,010 |
キャッシュフロー 14
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| D&A | $900.0K | $1M | $2M | $2M | $1M | |
| Stock-based Comp | $4M | $2M | $2M | $778.0K | $2M | |
| Deferred Tax | $-3M | $90.0K | · | · | · | |
| Other Non-cash | $-46M | $-33M | · | · | · | |
| Operating Cash Flow | $-28M | $-15M | $12M | $61M | $-9M | |
| CapEx | $219.0K | $1M | $7M | $7M | $2M | |
| Investing Cash Flow | $-127M | $-132M | $-153M | $-36M | $24M | |
| Stock Repurchased | $0 | $461.0K | $5M | $1M | $0 | |
| Net Stock Activity | $0 | $-461.0K | $-5M | $-1M | · | |
| Financing Cash Flow | $210M | $140M | $157M | $-11M | $23M | |
| Net Change in Cash | $54M | $-8M | $16M | · | · | |
| Taxes Paid | $7M | $8M | · | · | · | |
| Free Cash Flow | $-29M | $-20M | $5M | $54M | · | |
| Levered FCF | · | · | $-3M | $53M | · |
収益性 5
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Margin | 12.3% | 15.7% | 23.1% | 28.4% | · | |
| Pretax Margin | 16.7% | 20.9% | 31.5% | 40.8% | · | |
| EBITDA Margin | 0.69% | 3.9% | · | · | · | |
| ROA | 1.9% | 1.9% | 3.5% | 6.4% | · | |
| ROE | 8.6% | 7.4% | 11.4% | 18.3% | · |
効率性 1
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.1 | 0.2 | 0.2 | · |
成長率 6
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue YoY | 60.5% | 7.1% | -13.9% | 10.6% | · | |
| Revenue CAGR 3Y | 14.0% | 0.65% | · | · | · | |
| EPS YoY | 21.5% | -30.1% | -28.9% | -42.8% | · | |
| EPS CAGR 3Y | -15.5% | -34.2% | · | · | · | |
| Net Income YoY | 26.3% | -27.0% | -30.5% | -20.5% | · | |
| Net Income CAGR 3Y | -13.8% | -26.1% | · | · | · |
バリュエーション（TTM） 10
| 指標 | トレンド | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue TTM | $131M | $81M | $76M | $88M | $80M | |
| Net Income TTM | $16M | $13M | $17M | $25M | $32M | |
| Market Cap | $245M | $211M | $179M | $119M | · | |
| P/E | 15.9 | 17.2 | 10.8 | 5.0 | 4.2 | |
| P/S | 1.9 | 2.6 | 2.4 | 1.3 | · | |
| P/B | 1.3 | 1.2 | 1.2 | 0.8 | · | |
| P / Tangible Book | 1.3 | 1.2 | 1.2 | 0.8 | · | |
| P / Cash Flow | -8.6 | -14.1 | 14.6 | 1.9 | · | |
| P / FCF | -8.6 | -10.6 | 37.2 | 2.2 | · | |
| Earnings Yield | 6.3% | 5.8% | 9.3% | 20.2% | 23.7% |
損益計算書 9
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $4M | · | $3M | $2M | $1M | $624.0K | $304.0K | $244.0K | |
| Interest Income | $34M | $30M | $24M | $20M | $19M | $19M | $19M | $18M | $18M | $18M | $17M | $16M | $13M | $13M | $13M | $13M | |
| Pretax Income | $4M | $5M | $6M | $5M | $4M | $4M | $5M | $4M | $5M | $6M | $6M | $6M | $5M | $9M | $7M | $7M | |
| Income Tax | $1M | $2M | $2M | $1M | $1M | $898.0K | $1M | $998.0K | $1M | $2M | $2M | $2M | $1M | $2M | $3M | $2M | |
| Net Income | $3M | $4M | $5M | $4M | $3M | $3M | $3M | $3M | $3M | $4M | $5M | $5M | $4M | $7M | $4M | $5M | |
| EPS (Basic) | $0.21 | $0.29 | $0.36 | $0.31 | $0.24 | $0.21 | $0.26 | $0.25 | $0.26 | $0.34 | $0.38 | $0.36 | $0.30 | $0.51 | $0.28 | $0.43 | |
| EPS (Diluted) | $0.20 | $0.27 | $0.34 | $0.29 | $0.23 | $0.19 | $0.25 | $0.24 | $0.25 | $0.32 | $0.37 | $0.35 | $0.29 | $0.49 | $0.27 | $0.41 | |
| Shares (Basic) | 13,019,369 | -25,528,911 | 12,859,264 | 12,781,508 | 12,716,155 | -25,176,350 | 12,658,557 | 12,627,800 | 12,502,448 | -25,210,617 | 12,387,392 | 12,603,463 | 12,708,326 | -25,547,647 | 12,784,298 | 12,716,010 | |
| Shares (Diluted) | 13,642,166 | -27,006,059 | 13,615,354 | 13,472,394 | 13,483,647 | -26,180,279 | 13,257,835 | 13,109,708 | 13,041,605 | -26,120,377 | 12,868,207 | 12,989,530 | 13,172,288 | -26,951,738 | 13,324,059 | 13,417,390 |
貸借対照表 13
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $97M | $163M | $106M | $90M | $120M | $109M | $86M | $89M | $116M | $117M | $127M | $119M | $106M | $101M | $92M | $97M | |
| PP&E (Net) | · | $3M | · | · | · | $4M | $17M | $16M | $15M | $15M | $14M | $13M | $9M | $9M | $7M | $6M | |
| PP&E (Gross) | · | $7M | · | · | · | $7M | · | · | · | $18M | · | · | · | $12M | $9M | $7M | |
| Accum. Depreciation | · | $4M | · | · | · | $4M | · | · | · | $4M | · | · | · | $2M | $2M | $2M | |
| Total Assets | $899M | $977M | $900M | $842M | $804M | $746M | $683M | $618M | $611M | $586M | $555M | $496M | $442M | $401M | $386M | $366M | |
| Deferred Tax | · | $0 | $0 | $0 | $0 | $899.0K | $1M | $1M | $508.0K | $748.0K | $234.0K | $140.0K | · | $0 | · | · | |
| Total Liabilities | $703M | $784M | $712M | $661M | $627M | $572M | $513M | $452M | $448M | $431M | $405M | $348M | $298M | $260M | $251M | $235M | |
| Common Stock | $14.0K | $14.0K | $14.0K | $13.0K | $13.0K | $13.0K | $13.0K | $13.0K | $13.0K | $12.0K | $12.0K | $13.0K | $13.0K | $13.0K | $13.0K | $13.0K | |
| Retained Earnings | $135M | $132M | $128M | $124M | $120M | $117M | $114M | $110M | $107M | $104M | $100M | $95M | $90M | $86M | $79M | $76M | |
| AOCI | $44.0K | $26.0K | $52.0K | $2.0K | $19.0K | $187.0K | $342.0K | · | · | $0 | · | · | · | · | · | · | |
| Stockholders' Equity | $197M | $193M | $188M | $182M | $177M | $174M | $170M | $166M | $162M | $155M | $150M | $147M | $144M | $140M | $134M | $131M | |
| Liabilities + Equity | $899M | $977M | $900M | $842M | $804M | $746M | $683M | $618M | $611M | $586M | $555M | $496M | $442M | $401M | $386M | $366M | |
| Shares Outstanding | 13,706,693 | 13,655,961 | 13,571,090 | 13,469,725 | 13,216,903 | 13,211,640 | 13,211,160 | 13,143,560 | 12,793,555 | 12,493,565 | 12,493,565 | 12,723,703 | 12,824,572 | 12,831,345 | 12,864,821 | 12,884,821 |
キャッシュフロー 12
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $1M | $967.0K | $1M | $1M | $636.0K | $762.0K | $591.0K | $482.0K | |
| Stock-based Comp | $659.0K | $1M | $1M | $761.0K | $600.0K | $711.0K | $765.0K | $420.0K | $150.0K | $497.0K | $499.0K | $629.0K | $421.0K | $331.0K | $308.0K | $100.0K | |
| Operating Cash Flow | $20M | $8M | $3M | $-18M | $-22M | $657.0K | $-10M | $-7M | $2M | $10M | $9M | $-9M | $3M | $24M | $-740.0K | $42M | |
| CapEx | $21.0K | $6.0K | $21.0K | $-1M | $117.0K | $-4M | $2M | $64.0K | $1M | $1M | $2M | $4M | $178.0K | $442.0K | $4M | $1M | |
| Investing Cash Flow | $-6M | $-23M | $-35M | $-41M | $-28M | $-34M | $-53M | $-24M | $-22M | $-38M | $-53M | $-25M | $-38M | $-26M | $-17M | $-3M | |
| Stock Repurchased | · | $0 | $0 | $0 | $0 | $0 | $-5.0K | $286.0K | $180.0K | $0 | $2M | $2M | $216.0K | $922.0K | $214.0K | $0 | |
| Net Stock Activity | · | · | · | · | $0 | · | · | · | $-180.0K | · | · | · | $-216.0K | · | · | · | |
| Financing Cash Flow | $-80M | $73M | $47M | $29M | $61M | $56M | $59M | $5M | $19M | $18M | $52M | $47M | $40M | $9M | $13M | $-59M | |
| Net Change in Cash | $-66M | $58M | $16M | $-30M | $11M | $23M | $-3M | $-27M | $-1M | $-10M | $8M | · | · | · | · | · | |
| Taxes Paid | $67.0K | $3M | · | · | $412.0K | $4M | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $20M | · | · | · | $-23M | · | · | · | $358.0K | · | · | · | $3M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-2M | · | · | · | $2M | · | · | · |
収益性 4
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.4% | · | 13.3% | 16.4% | 14.4% | · | 16.6% | 16.4% | 17.0% | · | 24.5% | 24.5% | 23.2% | · | 18.2% | 25.9% | |
| Pretax Margin | 8.9% | · | 17.5% | 21.6% | 20.1% | · | 22.1% | 21.5% | 23.2% | · | 33.1% | 33.1% | 31.4% | · | 35.5% | 34.3% | |
| ROA | 0.32% | · | 0.62% | 0.56% | 0.45% | · | 0.56% | 0.57% | 0.63% | · | 1.0% | 1.1% | 0.89% | · | 1.9% | 3.0% | |
| ROE | 1.5% | · | 2.7% | 2.4% | 1.9% | · | 2.1% | 2.0% | 2.2% | · | 3.4% | 3.3% | 2.9% | · | 5.4% | 8.4% |
効率性 1
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.1 | 0.1 |
バリュエーション（TTM） 10
| 指標 | トレンド | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $127M | · | $105M | $88M | $82M | · | $80M | $78M | $75M | · | $75M | $77M | $83M | · | $88M | $87M | |
| Net Income TTM | $15M | · | $16M | $14M | $13M | · | $15M | $16M | $17M | · | $17M | $18M | $22M | · | $27M | $31M | |
| Market Cap | $217M | · | $263M | $202M | $231M | · | $206M | $134M | $129M | · | $108M | $114M | $113M | · | $116M | $120M | |
| P/E | 15.0 | · | 17.5 | 14.9 | 18.1 | · | 14.1 | 8.4 | 8.0 | · | 6.8 | 6.8 | 5.3 | · | 3.9 | 3.3 | |
| P/S | 1.7 | · | 2.5 | 2.3 | 2.8 | · | 2.6 | 1.7 | 1.7 | · | 1.4 | 1.5 | 1.4 | · | 1.3 | 1.4 | |
| P/B | 1.1 | · | 1.4 | 1.1 | 1.3 | · | 1.2 | 0.8 | 0.8 | · | 0.7 | 0.8 | 0.8 | · | 0.9 | 0.9 | |
| P / Tangible Book | 1.1 | · | 1.4 | 1.1 | 1.3 | · | 1.2 | 0.8 | 0.8 | · | 0.7 | 0.8 | 0.8 | · | 0.9 | 0.9 | |
| P / Cash Flow | 11.0 | · | · | · | -10.7 | · | · | · | 83.1 | · | · | · | 34.1 | · | · | · | |
| P / FCF | 11.0 | · | · | · | -10.0 | · | · | · | 359.1 | · | · | · | 36.0 | · | · | · | |
| Earnings Yield | 6.7% | · | 5.7% | 6.7% | 5.5% | · | 7.1% | 11.8% | 12.5% | · | 14.8% | 14.8% | 19.0% | · | 25.4% | 30.6% |
財務諸表 損益計算書、貸借対照表、キャッシュフロー — 年次、過去5年間
損益計算書
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 純利益 | $16M | $13M | $17M | $25M | $32M |
| 希薄化後EPS | $1.13 | $0.93 | $1.33 | $1.87 | $3.27 |
キャッシュフロー
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| フリーキャッシュフロー | $-29M | $-20M | $5M | $54M | — |
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