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FINW stock logo

FINW

FinWise Bancorp

$14.73
0.34
 (2.36%)
Exchange:  NASDAQ
Market Cap:  201.889M
Shares Outstanding:  8.178M
Delayed data
Calculate FINW Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James F. Noone
Full Time Employees:  196
Address: 
756 East Winchester Street
Murray
UT
84107
US
Website:  https://www.finwisebancorp.com
FinWise Bancorp, the parent company of FinWise Bank, delivers a comprehensive suite of banking solutions to both personal and business clients. Its diverse range of deposit offerings includes demand accounts (both interest and non-interest bearing), Negotiable Order of Withdrawal (NOW) accounts, money market accounts, standard checking and savings options, as well as various time deposits and Certificates of Deposit. The institution also extends a variety of lending products, encompassing Small Business Administration (SBA) loans, financing for residential and commercial real estate, consumer loans, and other commercial credit facilities. Beyond traditional banking, FinWise provides modern conveniences such as debit cards, remote check deposit, digital and mobile banking platforms, direct deposit capabilities, alongside specialized cash management and treasury services. Operationally, the company maintains a single full-service branch in Sandy, Utah, complemented by a loan origination office situated in Rockville Centre, New York. Established in 1999, FinWise Bancorp’s corporate headquarters are located in Murray, Utah.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue86,59097,462150,961
Gross Profit64,97770,44992,093
EBITDA27,62422,28121,760
Operating Income23,81316,98921,760
Net Income17,46012,74216,091

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets586,221745,976977,135
Total Liabilities431,165572,256783,940
Total Stockholders Equity155,056173,720193,195
Total Debt6,4865,3664,408
Cash and Cash Equivalents116,975106,06212,082

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow12,265-14,991-28,424
Capital Expenditure-7,458-4,895-5,767
Free Cash Flow4,807-19,886-5,699,533
Net Income17,46012,74216,091
Net Change in Cash16,408-7,81354,238

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)271,315.097Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)287,058.316Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)279,191.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)89,459.387Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)94,650.321Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)92,056.490Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)22,804.823Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)25,487.776Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)24,788Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)80,893.444Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)85,587.334Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)83,241.868Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.780Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.880Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.680Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
97.462M  ?P/S
 (TTM)
: 
1.16
?Net Income
 (TTM)
: 
12.352M  ?P/E
 (TTM)
: 
12.21
?Enterprise Value
 (TTM)
: 
194.638M  ?EV/FCF
 (TTM)
: 
-0.13
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.08  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
-4234000  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
0.97  ?Current Ratio
 (TTM)
: 
0.01

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
13.04Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about FINW valuation

Is FinWise Bancorp (FINW) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for FinWise Bancorp (FINW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FINW a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FINW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FINW’s P/E ratio?

You can see FINW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FINW?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FINW a good long-term investment?

Whether FINW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FINW

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.36
MARKETSnap

Trading Metrics:

Open: 14.79   Previous Close: 14.39
Day Low: 14.33   Day High: 14.79
Year Low: 12.82   Year High: 22.49
Price Avg 50: 15.02   Price Avg 200: 17.33
Volume: 8490   Average Volume: 17752

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Relevant news

FinWise Bancorp (FINW) Q1 2026 Earnings Call Transcript
30-04-2026 20:51
FinWise Bancorp (FINW) Q1 2026 Earnings Call Transcript
Compared to Estimates, FinWise Bancorp (FINW) Q1 Earnings: A Look at Key Metrics
30-04-2026 20:30
Compared to Estimates, FinWise Bancorp (FINW) Q1 Earnings: A Look at Key Metrics

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