FinWise Bancorp (FINW) AI Stock Analysis

FinWise Bancorp operates as the bank holding company for FinWise Bank, providing banking solutions to consumer and commercial clients. Founded in 1999 and headquartered in Murray, Utah, the institution offers deposit products including checking, savings, money market, NOW accounts, time deposits, and certificates of deposit. Its lending services encompass Small Business Administration loans, residential and commercial real estate loans, consumer loans, and commercial non-real estate loans. FinWise Bancorp also provides digital banking tools, remote deposit capture, debit cards, and cash management and treasury services, operating from a full-service branch in Sandy, Utah, and a loan production office in Rockville Centre, New York.

FinWise Bancorp recorded a 5-year revenue compound annual growth rate of 28.1% from FY2020 to FY2025. Annual revenue expanded from $81.1M in FY2021 to $90.2M in FY2022, dipped to $86.6M in FY2023, recovered to $97.5M in FY2024, and rose 54.9% to $151.0M in FY2025. Over the same timeline, net income dropped from $31.6M in FY2021 to $16.1M in FY2025, causing net margin to compress from 38.9% to 10.7%. Diluted EPS decreased from $2.34 in FY2021 to $1.13 in FY2025. For the latest quarter ended June 30, 2026, revenue increased 55.7% year-over-year, while quarterly earnings declined 48.3%.

As of June 30, 2026, FinWise Bancorp held $6.1M in cash and short-term investments, against total assets of $925.3M and shareholders' equity of $199.2M. The company reported a current ratio of 0.01. Free cash flow stood at -$34.2M in FY2025, driven by operating cash flow of -$28.4M and capital expenditures of $5.8M. Over the last five years, the company's share count increased 26.4%.

FinWise Bancorp trades at a trailing price-to-earnings ratio of 11.1x, below the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales multiple is 1.3x versus the peer median of 3.2x, while its price-to-book ratio is 0.8x. The company has an enterprise value of $62.6M. Over the past year, FINW shares declined 39.1%, trailing the S&P 500 (SPY) gain of 16.8%. The last closing price of $10.68 is 28.2% below its 200-day moving average.

Wall Street analysts hold 2 Buy ratings and 1 Hold rating on FinWise Bancorp, with zero Sell ratings. The mean price target is $16.33, which is 52.9% above the last closing price of $10.68. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $184.3M and EPS of $0.72, down 36.6%. For the following fiscal year, 3 analysts project revenue of $212.8M and EPS of $1.01. FinWise beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is October 28, 2026.

This page is an AI-written research summary of FinWise Bancorp (FINW). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FINW income statement, FINW balance sheet, FINW key metrics, FINW analyst forecast, FINW chart. See the FINW stock overview for the latest quote and news.