SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
FinWise Bancorp (FINW) trades at a trailing P/E of 13.6, forward P/E of 9.9. Trailing earnings yield is 7.35%, forward earnings yield 10.13%. PEG 0.63 (Peter Lynch undervalued ≤1.0). Graham Number is $20.42.
Criteria proven by this page:
- VALUE (81/100, Pass) — P/E is below market average (13.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.63); analyst target implies upside (+19.2%); earnings yield beats bond yields (7.35%).
- Forward P/E 9.9 (down from trailing 13.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.63 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 7.35% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.13% as earnings recover.
- Analyst consensus target $19.50 (+19.2% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 71/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
81/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — FINW
Valuation Multiples
P/E (TTM)13.6
Forward P/E9.9
PEG Ratio0.63
Forward PEG0.21
P/B Ratio1.13
P/S Ratio1.53
EV/EBITDA8.8
Per Share Data
EPS (TTM)$1.24
Forward EPS (Est.)$1.66
Book Value / Share$14.92
Revenue / Share$11.64
FCF / Share$-115.30
Yields & Fair Value
Earnings Yield7.35%
Forward Earnings Yield10.13%
Dividend Yield0.00%
Graham Number$20.42
SharesGrow IV$42.07 (+157.1%)
Analyst Target$19.50 (+19.2%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2019 |
16.1 |
0.00 |
4.71 |
4.42 |
- |
| 2020 |
9.3 |
0.15 |
2.27 |
2.38 |
- |
| 2021 |
3.8 |
0.02 |
1.04 |
1.47 |
- |
| 2022 |
4.7 |
-0.11 |
0.84 |
1.31 |
- |
| 2023 |
10.2 |
-0.35 |
1.15 |
2.06 |
- |
| 2024 |
15.8 |
-0.55 |
1.16 |
2.07 |
- |
| 2025 |
14.3 |
0.52 |
1.19 |
1.52 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2019 |
$0.79 |
$35.27M |
$9.66M |
27.4% |
| 2020 |
$1.21 |
$43.83M |
$11.2M |
25.5% |
| 2021 |
$3.27 |
$81.09M |
$31.58M |
38.9% |
| 2022 |
$1.87 |
$90.22M |
$25.12M |
27.8% |
| 2023 |
$1.33 |
$86.59M |
$17.46M |
20.2% |
| 2024 |
$0.93 |
$97.46M |
$12.74M |
13.1% |
| 2025 |
$1.13 |
$150.96M |
$16.09M |
10.7% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.66 |
$1.61 – $1.71 |
$235.21M |
$192.94M – $277.46M |
3 |
| 2027 |
$2.05 |
$2.00 – $2.10 |
$318.13M |
$239.29M – $396.96M |
3 |
