Head to Head Comparison: BBVA Banco Frances (NYSE:BBAR) & FinWise Bancorp (NASDAQ:FINW)

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

Analyst Recommendations

This is a summary of current recommendations for FinWise Bancorp and BBVA Banco Frances, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FinWise Bancorp	1	2	2	0	2.20
BBVA Banco Frances	0	4	1	2	2.71

FinWise Bancorp presently has a consensus price target of $18.00, indicating a potential upside of 33.83%. BBVA Banco Frances has a consensus price target of $18.50, indicating a potential upside of 20.88%. Given FinWise Bancorp’s higher possible upside, research analysts clearly believe FinWise Bancorp is more favorable than BBVA Banco Frances.

Insider and Institutional Ownership

35.4% of FinWise Bancorp shares are held by institutional investors. 22.4% of FinWise Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk & Volatility

FinWise Bancorp has a beta of 0.7, meaning that its share price is 30% less volatile than the S&P 500. Comparatively, BBVA Banco Frances has a beta of 0.93, meaning that its share price is 7% less volatile than the S&P 500.

Profitability

This table compares FinWise Bancorp and BBVA Banco Frances’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FinWise Bancorp	6.76%	7.04%	1.48%
BBVA Banco Frances	4.16%	7.56%	1.10%

Valuation & Earnings

This table compares FinWise Bancorp and BBVA Banco Frances”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FinWise Bancorp	$150.96 million	1.24	$16.09 million	$0.96	14.01
BBVA Banco Frances	$4.96 billion	0.63	$252.12 million	$1.02	15.00

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

Summary

BBVA Banco Frances beats FinWise Bancorp on 8 of the 15 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 BBVA Banco Frances

Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.