` Comparison: FINW, MTB - Alpha Spread

FINW
vs
MTB

Over the past 12 months, FINW has underperformed MTB, delivering a return of +2% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FINW
MTB
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Stocks Compared:
FINW MTB
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Valuation Comparison

FINW Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Finwise Bancorp
NASDAQ:FINW
18.05 USD
M&T Bank Corp
NYSE:MTB
206.71 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FINW, MTB

FINW
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Finwise Bancorp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FINW, MTB

FINW
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Finwise Bancorp
NASDAQ:FINW
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FINW
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FINW
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp
Not applicable for financial companies

Net Margin

FINW
0%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp

FCF Margin

FINW
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp
Not applicable for financial companies

ROE

FINW
8%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp

ROA

FINW
1.8%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp

ROIC

FINW
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp
Not applicable for financial companies

ROCE

FINW
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FINW, MTB

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FINW
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FINW, MTB

Performance Gap Between FINW and MTB
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Performance By Year
FINW, MTB

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FINW
MTB
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