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FINW Stock Chart & Stats
$17.23
$0.10(0.59%)
At close: 4:00 PM EST
$17.23
$0.10(0.59%)
Day’s Range― - ―
52-Week Range$12.82 - $22.49
Previous CloseN/A
Volume1.18K
Average Volume (3M)16.72K
Market Cap
$187.09M
Enterprise Value$210.07
Total Cash (Recent Filing)$96.95M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)11.6
Beta0.57
Next Earnings
Jul 29, 2026EPS Estimate
0.24Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.18
Shares Outstanding13,706,039
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$20.00Price Target Upside16.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.13
Revenue Forecast (FY)$205.51M
Bulls Say, Bears Say
Bulls Say
Loan Origination & Revenue GrowthSustained, high-volume originations (Q1 $1.7B, management baseline $1.4B quarterly) reflect durable demand from fintech partners and program managers. This scale supports recurring net interest and fee income, underpinning multi-quarter revenue visibility for the BaaS and lending franchises.
Conservative Capital & Balance SheetA strong bank leverage ratio and historically low external debt indicate substantial capital cushion. That buffer strengthens capacity to absorb credit losses, finance program growth, and pursue strategic investments or buybacks without immediate capital raising, preserving multi-quarter financial flexibility.
Vertical Integration Of Card PlatformBringing Tallied in-house is a structural step to retain interchange/fee economics and accelerate product development. Owning the cloud-native, API-first stack should lower partner frictions, reduce third-party fees, and compound revenue/margin capture across cards, payments and fintech programs over coming quarters.
Bears Say
Negative Cash Flow & Cash GenerationSeverely negative operating and free cash flows over the trailing twelve months weaken earnings quality and force reliance on balance-sheet funding or capital actions. This reduces ability to self-fund growth, raises refinancing risk if funding tightens, and limits runway for investments.
Elevated, Concentrated Credit LossesConcentrated legacy SBA exposure and rising net charge-offs/NPLs indicate idiosyncratic credit risk that can persist several quarters. Ongoing charge-offs and potential watch-list migrations create volatility in provisions, pressure capital through retained losses, and complicate reliable earnings forecasts.
Deteriorating Efficiency & Weak Noninterest IncomeA materially worse efficiency ratio and falling fee income signal rising operating leverage and fragile revenue diversification. If noninterest income and expense control do not improve, margins and ROE will remain pressured, slowing the path to mid-50s efficiency targets over the next several quarters.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $12.82 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $187.09M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Jul 29, 2026 which is in 7 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Apr 30, 2026. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.323 by -$0.123.
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 0.24.
How many shares outstanding does FinWise have?
FinWise has 13,706,039 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.2 in its last earnings report, missing expectations of $0.323. Following the earnings report the stock price went down -3.794%.
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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$20.00 (16.08% Upside)
$20.00 (16.08% Upside)
Blogger Sentiment
Bullish
FINW Sentiment 100%
Sector Average 62%
Sector Average 62%
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
11.85%
Trailing 12-Months
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 Stock 12 Month Forecast
Average Price Target
$20.00
▲(16.08% Upside)
Technical Analysis
Ownership Overview
11.33% Insiders
8.69% Mutual Funds
3.66% Other Institutional Investors
70.07% Public Companies and
Individual Investors