FinWise Bancorp's Financial Efficiency Compared to Peers

Core Viewpoint - FinWise Bancorp is a financial institution that provides a range of banking services, focusing on commercial and consumer loans, as well as deposit products, competing with various financial entities in the market [1] Financial Performance - FinWise Bancorp has a Return on Invested Capital (ROIC) of 10.56% and a Weighted Average Cost of Capital (WACC) of 11.63%, resulting in a ROIC to WACC ratio of 0.91, indicating a need for improvement in capital utilization [2][5] - Comparatively, Third Coast Bancshares has a negative ROIC of -1.53% and a high WACC of 22.25%, leading to a ROIC to WACC ratio of -0.07, indicating inefficiency [3] - Primis Financial Corp also shows inefficiency with a ROIC of -6.83% and a WACC of 25.66%, resulting in a ROIC to WACC ratio of -0.27 [3] - In contrast, Five Star Bancorp excels with a ROIC of 32.96% and a WACC of 14.67%, achieving a ROIC to WACC ratio of 2.25, highlighting its superior ability to generate returns above its cost of capital [4][5]