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FINW Stock Chart & Stats
$14.11
$0.14(1.00%)
At close: 4:00 PM EDT
$14.11
$0.14(1.00%)
Day’s Range― - ―
52-Week Range$9.58 - $19.86
Previous Close$13.95
Volume12.63K
Average Volume (3M)38.19K
Market Cap
$146.74M
Enterprise Value$192.15M
Total Cash (Recent Filing)$6.11M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)10.2
Beta0.60
Next Earnings
Oct 28, 2026EPS Estimate
0.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.03
Shares Outstanding13,882,680
10 Day Avg. Volume34,317
30 Day Avg. Volume38,194
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio-6.73
Enterprise Value/Market Cap1.31
Enterprise Value/Revenue0.95
Enterprise Value/Gross Profit1.65
Enterprise Value/Ebitda8.73
Forecast
1Y Price Target
$16.00Price Target Upside13.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.72
Revenue Forecast (FY)$184.31M
Bulls Say, Bears Say
Bulls Say
Conservative CapitalizationVery low leverage and expanding equity provide a durable capital cushion for a partnership-led bank. Strong capitalization can support continued lending, absorb credit volatility, and fund platform investment without relying as heavily on incremental balance-sheet leverage.
Loan Origination MomentumResilient and growing loan originations indicate continued demand for FinWise's lending and partner-based banking capabilities. Sustained production supports revenue scale, keeps distribution relationships active, and provides a platform for future earnings recovery if credit performance normalizes.
Expanding Payments PlatformInvestment in card and payments infrastructure broadens FinWise beyond traditional lending and can deepen its value to fintech partners. The Tallied platform and new program pipeline may strengthen competitive positioning, diversify fee generation, and support multi-year BaaS growth.
Bears Say
Severely Negative Cash GenerationDeeply negative operating and free cash flow raise concerns about earnings quality and the sustainability of internal funding. If the outflow persists, FinWise may have less flexibility to support growth, absorb credit losses, or invest in platforms without relying on additional funding.
Profitability CompressionThe sharp decline in net margin shows that revenue growth has not translated proportionally into earnings power. Lower profitability can constrain capital generation and reduce resilience, particularly if elevated provisions, integration costs, or credit-related expenses remain present.
Persistent Legacy Credit LossesConcentrated charge-offs from the legacy pool create a durable near-term drag on earnings and capital generation while the portfolio is worked through. Continued losses can require higher provisions, weaken returns, and limit the benefit of strong origination and fee-growth trends.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $9.58 and its highest was $19.86 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $146.74M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Oct 28, 2026 which is in 5 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Jul 29, 2026. The company reported $0.15 earnings per share for the quarter, missing the consensus estimate of $0.24 by -$0.09.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.19.
How many shares outstanding does FinWise have?
FinWise has 13,882,680 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.15 in its last earnings report, missing expectations of $0.24. Following the earnings report the stock price went down -2.766%.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Underperform
1
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4
5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$16.00 (13.39% Upside)
$16.00 (13.39% Upside)
Blogger Sentiment
Bullish
FINW Sentiment 67%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-41.59%
12-Months-Change
Fundamentals
Return on Equity
7.04%
Trailing 12-Months
Asset Growth
9.83%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
FinWise
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.
FINW Company Deck
FINW Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: several operational and commercial positives (origination resilience, stronger NIM, significant noninterest income growth, a strengthened sales pipeline, a strategic Tallied acquisition, and healthy capital ratios) were offset by material near-term credit challenges (a large sequential increase in provisions, elevated and concentrated net charge-offs from a legacy pool, withdrawn guidance on credit-enhanced balances, and modest net income/EPS that missed expectations). Management emphasized these credit issues are finite, actively managed, and that the broadened pipeline and product investments should drive growth over the next 12–24 months.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$16.00
▲(13.39% Upside)
Technical Analysis
Ownership Overview
21.70% Insiders
8.58% Mutual Funds
2.02% Other Institutional Investors
60.91% Public Companies and
Individual Investors