FinWise Bancorp (NASDAQ:FINW – Get Free Report) and NB Bancorp (NASDAQ:NBBK – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, profitability, dividends, risk and institutional ownership.
Institutional and Insider Ownership
35.4% of FinWise Bancorp shares are owned by institutional investors. 22.4% of FinWise Bancorp shares are owned by insiders. Comparatively, 5.1% of NB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares FinWise Bancorp and NB Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FinWise Bancorp | $179.27 million | 0.81 | $13.33 million | $0.96 | 10.89 |
| NB Bancorp | N/A | N/A | N/A | $1.66 | 13.63 |
FinWise Bancorp has higher revenue and earnings than NB Bancorp. FinWise Bancorp is trading at a lower price-to-earnings ratio than NB Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares FinWise Bancorp and NB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FinWise Bancorp | N/A | N/A | N/A |
| NB Bancorp | N/A | N/A | N/A |
Analyst Ratings
This is a breakdown of recent ratings and target prices for FinWise Bancorp and NB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FinWise Bancorp | 1 | 2 | 1 | 0 | 2.00 |
| NB Bancorp | 0 | 2 | 2 | 0 | 2.50 |
FinWise Bancorp currently has a consensus price target of $16.00, suggesting a potential upside of 53.11%. NB Bancorp has a consensus price target of $24.67, suggesting a potential upside of 9.00%. Given FinWise Bancorp’s higher probable upside, research analysts plainly believe FinWise Bancorp is more favorable than NB Bancorp.
Summary
FinWise Bancorp beats NB Bancorp on 4 of the 7 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 NB Bancorp
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
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