Head-To-Head Analysis: FinWise Bancorp (NASDAQ:FINW) vs. BEO Bancorp (OTCMKTS:BEOB)

FinWise Bancorp (NASDAQ:FINW) and BEO Bancorp (OTCMKTS:BEOB) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, risk, analyst recommendations, dividends, institutional ownership and valuation.

Profitability

This table compares FinWise Bancorp and BEO Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FinWise Bancorp	14.78%	8.63%	2.26%
BEO Bancorp	N/A	N/A	N/A

Insider and Institutional Ownership

35.4% of FinWise Bancorp shares are owned by institutional investors. 19.2% of FinWise Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

FinWise Bancorp has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and recommmendations for FinWise Bancorp and BEO Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FinWise Bancorp	0	0	2	0	3.00
BEO Bancorp	0	0	0	0	0.00

FinWise Bancorp currently has a consensus target price of $17.50, suggesting a potential downside of 6.96%. Given FinWise Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe FinWise Bancorp is more favorable than BEO Bancorp.

Valuation and Earnings

This table compares FinWise Bancorp and BEO Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FinWise Bancorp	$85.61 million	2.90	$17.46 million	$1.06	17.75
BEO Bancorp	$51.01 million	1.84	$14.21 million	N/A	N/A

FinWise Bancorp has higher revenue and earnings than BEO Bancorp.

Summary

FinWise Bancorp beats BEO Bancorp on 12 of the 12 factors compared between the two stocks.

About FinWise Bancorp

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.