FINW

Company Overview — What Does Finwise Bancorp Do?

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah. Finwise Bancorp (FINW) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Kent Landvatter and employs approximately 120 people. With a market capitalization of $218M, FINW is one of the notable companies in the Financials sector.

Finwise Bancorp (FINW) Stock Rating — Reduce (April 2026)

As of April 2026, Finwise Bancorp receives a Reduce rating with a composite score of 31.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.FINW ranks #3,692 out of 4,446 stocks in our coverage universe. Within the Financials sector, Finwise Bancorp ranks #815 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FINW Stock Price and 52-Week Range

Finwise Bancorp (FINW) currently trades at $16.79. The stock lost $0.55 (3.2%) in the most recent trading session. The 52-week high for FINW is $22.49, which means the stock is currently trading -25.3% from its annual peak. The 52-week low is $13.48, putting the stock 24.5% above its annual trough. Recent trading volume was 8K shares, suggesting relatively thin trading activity.

Is FINW Overvalued or Undervalued? — Valuation Analysis

Finwise Bancorp (FINW) carries a value factor score of 73/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 14.13x, compared to the Financials sector average of 14.88x — a discount of 5%. The price-to-book ratio stands at 1.14x, versus the sector average of 1.22x. The price-to-sales ratio is 2.72x, compared to 0.90x for the average Financials stock. On an enterprise value basis, FINW trades at 8.48x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, Finwise Bancorp appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

Finwise Bancorp Profitability — ROE, Margins, and Quality Score

Finwise Bancorp (FINW) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 8.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.6% versus the sector average of 1.2%.

On a margin basis, Finwise Bancorp reports gross margins of 0.0%. The operating margin is 25.6% (sector: 21.8%). Net profit margin stands at 19.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 30.1% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

FINW Debt, Balance Sheet, and Financial Health

Finwise Bancorp has a debt-to-equity ratio of 406.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.25x, suggesting adequate working capital coverage. Total debt on the balance sheet is $0. Cash and equivalents stand at $10M.

FINW has a beta of 0.77, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Finwise Bancorp is 66/100, reflecting average volatility within the normal range for its sector.

Finwise Bancorp Revenue and Earnings History — Quarterly Trend

In TTM 2026, Finwise Bancorp reported revenue of $81M and earnings per share (EPS) of $1.20. Net income for the quarter was $16M. Gross margin was 0.0%. Operating income came in at $21M.

In FY 2025, Finwise Bancorp reported revenue of $92M and earnings per share (EPS) of $1.20. Net income for the quarter was $16M. Revenue grew 24.4% year-over-year compared to FY 2024. Operating income came in at $22M.

In Q3 2025, Finwise Bancorp reported revenue of $24M and earnings per share (EPS) of $0.36. Net income for the quarter was $5M. Revenue grew 26.6% year-over-year compared to Q3 2024. Operating income came in at $6M.

In Q2 2025, Finwise Bancorp reported revenue of $20M and earnings per share (EPS) of $0.31. Net income for the quarter was $4M. Revenue grew 7.2% year-over-year compared to Q2 2024. Operating income came in at $5M.

Over the past 8 quarters, Finwise Bancorp has demonstrated a growth trajectory, with revenue expanding from $18M to $81M. Investors analyzing FINW stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FINW Dividend Yield and Income Analysis

Finwise Bancorp (FINW) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

FINW Momentum and Technical Analysis Profile

Finwise Bancorp (FINW) has a momentum factor score of 34/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 3/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

FINW vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Finwise Bancorp (FINW) ranks #815 out of 891 stocks based on the Blank Capital composite score. This places FINW in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FINW against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FINW vs S&P 500 (SPY) comparison to assess how Finwise Bancorp stacks up against the broader market across all factor dimensions.

FINW Next Earnings Date

No upcoming earnings date has been announced for Finwise Bancorp (FINW) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FINW? — Investment Thesis Summary

The quantitative profile for Finwise Bancorp suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 73/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 34/100, a headwind for near-term performance. Low volatility (stability score 66/100) reduces downside risk.

In summary, Finwise Bancorp (FINW) earns a Reduce rating with a composite score of 31.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FINW stock.

Related Resources for FINW Investors

Explore more research and tools: FINW vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FINW head-to-head with peers: FINW vs WTM, FINW vs OPY, FINW vs ACT.