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FINW stock logo

FINW

FinWise Bancorp

$15.93
0
 (0%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  217.872M
Shares Outstanding:  8.178M
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 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.

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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.

2025/04/30 — Q1 quarter 2025

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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)247,474.394Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)410,542.939Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)329,008.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)81,598.510Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)135,366.296Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)108,482.403Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)27,042.363Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)28,394.556Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)27,718.460Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)73,785.264Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)122,404.661Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)98,094.963Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.040Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.090Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.990Full 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)
: 
1.56
?Net Income
 (TTM)
: 
12.352M  ?P/E
 (TTM)
: 
13.87
?Enterprise Value
 (TTM)
: 
227.978M  ?EV/FCF
 (TTM)
: 
-0.15
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
0.34
?Net Debt
 (TTM)
: 
-4234000  ?Debt/Equity
 (TTM)
: 
0.02
?P/B
 (TTM)
: 
1.16  ?Current Ratio
 (TTM)
: 
8.98

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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
9.65Full 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.


Calculate FINW Intrinsic Value

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.

[ms_data_label text="Daily snapshot"]

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MARKETSnap

Trading Metrics:

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Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 13.49   Year High: 22.49
Price Avg 50: 16.79   Price Avg 200: 17.67
Volume: 3001   Average Volume: 15198

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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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