FinWise Bancorp (FINW)

NGM – Real Time Price. Currency in USD

12.98

-0.39 (-2.92%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 13.53$
Day's range: 13.53 - 14.1$
52-week range: 13.3 - 22.49$
Volume: 13 670
Average volume: 27 095
Beta: 0.63
EPS (TTM): 1.17
PE ratio (TTM): 12.23
Forward P/E: 12.01
Market cap: 185 442 710
Shares outstanding: 13 706 039
Dividend yield: N/A
Next earnings date: 2026-07-23
Sector: Financials
Industry: Banks - Regional

About the company

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 operates in three segments: Traditional Banking; BaaS and Treasury; and Administration. The company provides various deposit products, including interest and noninterest-bearing demand accounts, health savings account demand deposits, NOW and money... read more

CEO: James Noone
Country: United States
IPO Date: 2021-11-19
Employees: 210
Fiscal Year End: January - December
Website: https://investors.finwiseba...

Revenue Breakdown

Banking as a Service / 72.19%

Traditional Banking / 24.16%

Treasury/Other / 3.65%

News

No Data

There are no news for this stock.

Chart: FINW

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Overall Score

3.5 / 1035%

Financial Strength

3.4

Profitability

2.6

Effectiveness

Growth

3.7

Forecast

6.6

Valuation

5.8

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $0.0

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.38	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	N/A	0.05	1.0
Debt to Assets	N/A	0.09	1.0
Interest coverage	N/A	N/A	10
Weighted average score			3.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	87M	87M	97M	150M	171M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	34M	24M	17M	22M	20M
Net Income	25M	17M	12M	15M	15M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	8.85	0.44	5.0
Net margin %	6.37	32.70	5.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			2.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.78	1.46	3.0
ROE	7.97	14.94	6.0
ROIC	7.57	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	87.95	-17.24	5.5
Next quarter	53.23	0	5.5
Current year	57.28	-0.29	5.5
Next year	35.85	57.99	10
Weighted average score			6.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-7.18	-26.55	-25.92	13.94	2.8
Y/Y	86.42	-10.87	-13.03	-140.3	3.3
3y average	21.93	-11.52	-12.47	-7871.38	3.3
5y average	31.42	27.34	-20.05	-4715.59	5.5
Weighted average score					3.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.47	11.16	6.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	1.34	3.37	7.6
P/B	0.96	1.53	8.0
Weighted average score			5.8

DCF Model

DCF Model PeriodN/A

Discount rateN/A

Perpetual growth rateN/A

Revenue 5 year CAGRN/A

FCF 5 year CAGRN/A

Fair valueN/A

Stock price13.53$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$1

UndervaluedStock priceOvervalued

$13.53

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

James Noone

Country

United States

IPO Date

2021-11-19

Employees

210

Fiscal Year End

January - December

Website

https://investors.finwiseba...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.38

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

N/A

0.05

1.0

Debt to Assets

N/A

0.09

1.0

Interest coverage

N/A

Weighted average score

3.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

87M

97M

150M

171M

Gross Profit

N/A

Operating Income

34M

24M

17M

22M

20M

Net Income

25M

17M

12M

15M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

8.85

0.44

5.0

Net margin %

6.37

32.70

5.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

2.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.78

1.46

3.0

ROE

7.97

14.94

6.0

ROIC

7.57

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

87.95

-17.24

5.5

Next quarter

53.23

5.5

Current year

57.28

-0.29

5.5

Next year

35.85

57.99

Weighted average score

6.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-7.18

-26.55

-25.92

13.94

2.8

Y/Y

86.42

-10.87

-13.03

-140.3

3.3

3y average

21.93

-11.52

-12.47

-7871.38

3.3

5y average

31.42

27.34

-20.05

-4715.59

5.5

Weighted average score

3.7

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.47

11.16

6.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

1.34

3.37

7.6

P/B

0.96

1.53

8.0

Weighted average score

5.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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FinWise Bancorp (FINW)

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FinWise Bancorp (FINW)

Stock details

About the company

Revenue Breakdown

News

Chart: FINW

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$13.53

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FINW

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$13.53

Economic Moat