FinWise Bancorp (FINW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FinWise Bancorp (FINW) trades at $14.24 with AI Score 61/100 (Grade B+). FinWise Bancorp operates as the bank holding company for FinWise Bank, providing banking products and services to individual and corporate clients. Market cap: $195M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026Analyst Coverage for FINW: FINW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FINW against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FINW: 2/3 scored disciplines lean bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
FinWise Bancorp (FINW) Financial Services Profile
FinWise Bancorp, with a market capitalization of $195M, operates as the bank holding company for FinWise Bank, offering diverse banking products and services. The company distinguishes itself through its focus on technology-driven financial solutions and specialized lending programs, serving both individual and corporate clients primarily in Utah and New York.
What Is the Investment Thesis for FINW?
FinWise Bancorp presents a compelling investment case based on its strategic focus on technology-driven financial solutions and specialized lending programs. With a P/E ratio of 13.0 and a profit margin of 9.1%, the company demonstrates solid profitability. Key value drivers include the expansion of its digital banking services and the growth of its loan portfolio. Upcoming catalysts include potential partnerships with fintech companies to enhance its service offerings and geographic expansion into new markets. However, potential risks include increasing competition from larger regional banks and the impact of changing interest rate environments on its lending margins. The company's beta of 0.84 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
FINW Key Highlights
Market capitalization of $195M, reflecting its position as a smaller regional bank.
- P/E ratio of 13.0, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 9.1%, showcasing its ability to generate profit from its revenue.
- Gross margin of 61.0%, demonstrating efficient cost management in its operations.
- Beta of 0.84, suggesting lower volatility compared to the broader market, which may appeal to risk-averse investors.
Who Are FINW's Competitors?
FINW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| CFFI C&F Financial Corporation | $88.84 | +1.86% | $289M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| TSBK Timberland Bancorp, Inc. | $46.33 | +0.70% | $363M | 91 |
| NWFL Norwood Financial Corp. | $33.78 | +0.54% | $368M | 93 |
| FNLC The First Bancorp, Inc. | $35.04 | +1.48% | $395M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FINW's Key Strengths?
Strong focus on technology-driven financial solutions.
- Specialized lending programs catering to niche markets.
- Experienced management team with a proven track record.
- Solid financial performance with consistent profitability.
What Are FINW's Weaknesses?
Limited geographic presence with only one full-service banking location.
- Smaller market capitalization compared to larger regional banks.
- Dependence on interest income, which is sensitive to interest rate changes.
- Limited brand recognition compared to national banks.
What Could Drive FINW Stock Higher?
Potential partnerships with fintech companies to enhance service offerings.
- Geographic expansion into new markets through online and mobile banking.
- Continued growth in specialized lending programs, such as small business administration loans.
- Increasing adoption of digital banking solutions by customers.
What Are the Key Risks for FINW?
Financial-distress signal — its Altman Z-Score of 0.66 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 4 of the last 8 reported quarters.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increasing competition from larger regional banks and fintech companies.
- Regulatory changes impacting lending rates and compliance costs.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for FINW?
- Expansion of Digital Banking Services: FinWise Bancorp can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile banking platforms. The digital banking market is expected to reach $9 trillion by 2028, offering a significant opportunity for FinWise to attract new customers and increase customer engagement. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable FinWise to offer innovative financial products and services, such as AI-powered lending and personalized financial advice. Timeline: Upcoming.
- Geographic Expansion into New Markets: Expanding its physical presence and online reach into new geographic markets can drive revenue growth for FinWise. Targeting underserved communities and niche markets can provide a competitive advantage. The U.S. regional banking market is expected to grow at a rate of 4% annually, offering opportunities for expansion. Timeline: Upcoming.
- Specialized Lending Programs: Focusing on specialized lending programs, such as small business administration loans and commercial real estate loans, can differentiate FinWise from its competitors. The demand for specialized lending is increasing, driven by the growth of small businesses and real estate development projects. The small business lending market is projected to reach $1 trillion by 2027. Timeline: Ongoing.
- Enhanced Customer Relationship Management: Implementing advanced customer relationship management (CRM) systems can improve customer service and retention. Personalized customer interactions and targeted marketing campaigns can drive customer loyalty and increase cross-selling opportunities. The CRM market is expected to reach $128 billion by 2028, highlighting the importance of customer-centric strategies. Timeline: Ongoing.
What Are FINW's Competitive Advantages?
- Strong customer relationships built on personalized service.
- Specialized lending programs catering to niche markets.
- Technology-driven financial solutions enhancing customer experience.
- Strategic partnerships with fintech companies for innovation.
What Does FINW Do?
Founded in 1999 and headquartered in Murray, Utah, FinWise Bancorp operates as the bank holding company for FinWise Bank. The bank provides a range of financial products and services tailored to individual and corporate customers. FinWise Bank started with a vision to offer community banking services with a focus on personalized customer relationships. Over the years, it has evolved to incorporate modern banking technologies while maintaining its commitment to customer service. The company's offerings include various deposit products, such as interest and noninterest bearing demand accounts, NOW accounts, money market accounts, checking and savings accounts, as well as time deposits and certificates of deposit. FinWise Bank also provides lending solutions, including small business administration loans, residential and commercial real estate loans, consumer loans, and commercial non-real estate loans. To complement its traditional banking services, FinWise offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. Additionally, the bank provides cash management and treasury services to its corporate clients. FinWise Bancorp operates one full-service banking location in Sandy, Utah, and a loan production office in Rockville Centre, New York, extending its reach to both local and regional markets.
What Products and Services Does FINW Offer?
- Provides a range of banking products and services to individual and corporate customers.
- Offers deposit products, including checking, savings, and money market accounts.
- Provides small business administration loans.
- Offers residential and commercial real estate loans.
- Provides consumer and commercial non-real estate loans.
- Offers debit cards, remote deposit capture, and online banking services.
- Provides mobile banking and direct deposit services.
- Offers cash management and treasury services.
How Does FINW Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Invests in technology to enhance customer experience and operational efficiency.
What Industry Does FINW Operate In?
FinWise Bancorp operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is experiencing a shift towards digital banking solutions and personalized customer experiences. Regional banks like FinWise Bancorp are focusing on niche markets and specialized services to differentiate themselves. The market is also influenced by regulatory changes and economic conditions, which impact lending rates and profitability. The U.S. banking industry is projected to grow at a rate of approximately 3-5% annually, driven by increased demand for loans and financial services.
Who Are FINW's Key Customers?
- Individual customers seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing cash management and treasury services.
- Real estate developers seeking financing for projects.
Company Profile
FinWise Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Murray, US. The company is led by CEO James F. Noone. FINW has traded publicly since 2021.
Key Financial Metrics
Return on equity for FinWise Bancorp stands at 8.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.8%, showing how much profit it generates from its asset base. FINW trades at a trailing price-to-earnings ratio of 13.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
FINW Valuation & Market Position
With a $195M market cap, FinWise Bancorp sits in the micro-cap segment of the market. Relative to its peer group, FINW's quantitative score of 61/100 is below the peer average of 92/100.
Quarterly Financial Performance: FinWise Bancorp
Revenue for FinWise Bancorp came in at $59.6M during Q2 2026, a 23.7% improvement versus the preceding quarter. The company recorded net income of $2.1M, with diluted EPS of $0.15. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, FINW averaged $0.24 in diluted EPS.
Financial Health
FinWise Bancorp's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.66 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
FinWise Bancorp has missed Wall Street's EPS estimate in 4 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 6.2% below estimates on average.
Forward Outlook
Wall Street analysts project FinWise Bancorp revenue of about $184.3M for fiscal 2026, with EPS near $0.72.
FINW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong focus on technology-driven financial solutions.
- Specialized lending programs catering to niche markets.
- Experienced management team with a proven track record.
- Solid financial performance with consistent profitability.
Bear Case
- Limited geographic presence with only one full-service banking location.
- Smaller market capitalization compared to larger regional banks.
- Dependence on interest income, which is sensitive to interest rate changes.
- Limited brand recognition compared to national banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $60M | $2M | $0.15 |
| Q1 2026 | $48M | $3M | $0.20 |
| Q4 2025 | $53M | $4M | $0.27 |
| Q3 2025 | $42M | $5M | $0.34 |
Based on FMP financials and quantitative analysis
FINW Latest News
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FinWise Bancorp (FINW) Lags Q2 Earnings Estimates
Zacks · Jul 29, 2026
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Earnings Scheduled For April 30, 2026
benzinga · Apr 30, 2026
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Earnings Scheduled For April 28, 2022
benzinga · Apr 28, 2022
FINW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FINW.
Price Targets
Wall Street price target analysis for FINW.
FINW MoonshotScore
What does this score mean?
The MoonshotScore rates FINW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James F. Noone
CEO
James F. Noone serves as the CEO of FinWise Bancorp, bringing extensive experience in the financial services industry. His career spans over two decades, with significant roles in banking and financial management. Prior to joining FinWise, Noone held leadership positions at various regional banks, where he focused on strategic planning, risk management, and business development. He holds an MBA from a top-tier business school and is actively involved in industry associations and community organizations.
Track Record: Under James F. Noone's leadership, FinWise Bancorp has focused on enhancing its technology infrastructure and expanding its digital banking services. He has overseen the implementation of new CRM systems and the development of strategic partnerships with fintech companies. During his tenure, the company has achieved consistent profitability and growth in its loan portfolio.
Common Questions About FINW (Financial Services)
What does the AI Score mean for FINW?
FINW holds an AI Score of 61/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. FinWise Bancorp operates as the bank holding company for FinWise Bank, providing banking products and services to individual and corporate clients. The company focuses on offering a range …
What does FinWise Bancorp do?
FinWise Bancorp operates as the bank holding company for FinWise Bank, providing a range of banking products and services to individual and corporate customers. The company offers various deposit products, including checking, savings, and money market accounts, as well as lending solutions such as small business administration loans, residential and commercial real estate loans, and consumer loans.
What do analysts say about FINW stock?
Analyst coverage of FinWise Bancorp (FINW) is limited, but current sentiment suggests a cautiously optimistic outlook. Key valuation metrics, such as the P/E ratio of 13.0, indicate potential undervaluation compared to its earnings. Growth considerations include the company's strategic focus on technology-driven financial solutions and specialized lending programs.
What are the main risks for FINW?
FinWise Bancorp faces several key risks, including increasing competition from larger regional banks and fintech companies, which could impact its market share and profitability. Regulatory changes and compliance costs pose another significant risk, potentially affecting lending rates and operational expenses. An economic downturn could also negatively impact loan demand and credit quality, leading to increased loan losses.
How is FinWise Bancorp adapting to fintech disruption?
FinWise Bancorp is strategically adapting to fintech disruption by investing in technology-driven financial solutions and forming partnerships with fintech companies. The company is enhancing its online and mobile banking platforms to improve customer experience and attract new customers. By collaborating with fintech firms, FinWise aims to offer innovative financial products and services, such as AI-powered lending and personalized financial advice.
What regulatory challenges does FinWise Bancorp face?
FinWise Bancorp faces several regulatory challenges typical of regional banks, including compliance with federal and state banking regulations, capital requirements, and consumer protection laws. The company must adhere to regulations set forth by the Federal Deposit Insurance Corporation (FDIC) and other regulatory bodies. Compliance costs associated with these regulations can be significant, impacting the company's profitability.
What are the key factors to evaluate for FINW?
FinWise Bancorp (FINW) holds an AI score of 61/100 (moderate). P/E: 13.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FINW data refresh on this page?
FINW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FINW's recent stock price performance?
FinWise Bancorp (FINW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on technology-driven financial solutions. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Analyst sentiment is based on limited coverage and may not be fully representative.
- Market projections are based on industry reports and may vary.