BOK Financial (NASDAQ:BOKF) vs. FinWise Bancorp (NASDAQ:FINW) Head-To-Head Analysis

FinWise Bancorp (NASDAQ:FINW) and BOK Financial (NASDAQ:BOKF) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, profitability, risk, dividends, earnings and analyst recommendations.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
FinWise Bancorp	12.13%	8.43%	1.88%
BOK Financial	15.98%	9.35%	1.07%

Analyst Ratings

This is a summary of current ratings and price targets for FinWise Bancorp and BOK Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FinWise Bancorp	0	1	4	0	2.80
BOK Financial	0	6	4	0	2.40

FinWise Bancorp presently has a consensus target price of $21.75, suggesting a potential upside of 13.34%. BOK Financial has a consensus target price of $115.55, suggesting a potential upside of 10.49%. Given FinWise Bancorp’s stronger consensus rating and higher possible upside, equities analysts plainly believe FinWise Bancorp is more favorable than BOK Financial.

Valuation & Earnings

This table compares FinWise Bancorp and BOK Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FinWise Bancorp	$96.84 million	2.68	$12.74 million	$0.97	19.78
BOK Financial	$3.48 billion	1.91	$523.57 million	$8.39	12.46

BOK Financial has higher revenue and earnings than FinWise Bancorp. BOK Financial is trading at a lower price-to-earnings ratio than FinWise Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

35.4% of FinWise Bancorp shares are held by institutional investors. Comparatively, 34.4% of BOK Financial shares are held by institutional investors. 21.3% of FinWise Bancorp shares are held by company insiders. Comparatively, 56.9% of BOK Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

FinWise Bancorp has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500. Comparatively, BOK Financial has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500.

Summary

BOK Financial beats FinWise Bancorp on 7 of the 13 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 BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.