Core Insights - FinWise Bancorp demonstrates a strong Return on Invested Capital (ROIC) of 30.90% and a Weighted Average Cost of Capital (WACC) of 12.15%, resulting in a ROIC to WACC ratio of 2.54, indicating superior efficiency in capital utilization [2][5] - In comparison, peers such as Third Coast Bancshares and Southern States Bancshares exhibit significantly lower ROIC to WACC ratios of 0.33 and 0.53 respectively, suggesting less efficiency in generating returns relative to their cost of capital [3][5] - USCB Financial Holdings shows a ROIC to WACC ratio of 0.62, indicating potential for growth but still trailing behind FinWise's performance [4] - Five Star Bancorp and Primis Financial Corp. have even lower ratios of 0.09 and 0.08 respectively, highlighting their challenges in achieving returns above their cost of capital [4][5]

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]