FinWise Bancorp (FINW) Stock Price, News & Analysis

Company Overview

FinWise Bancorp is the bank holding company for FinWise Bank, a federally chartered savings bank headquartered in Salt Lake City, Utah. The company focuses on providing a full suite of commercial and consumer banking services through a combination of traditional deposit products and digital lending platforms. Its core offerings include small business term loans, SBA 7(a) and 504 loans, asset-based commercial loans, and other credit solutions tailored to meet the financing needs of entrepreneurs and growing enterprises.

In addition to its lending activities, FinWise Bancorp offers a range of deposit accounts, including interest-bearing checking and savings accounts, money market accounts, and certificates of deposit. The bank’s online and mobile banking platforms deliver real-time account management, electronic funds transfers, and remote deposit capture, enabling clients to conduct business across the United States without geographic constraints. FinWise also collaborates with a network of fintech partners to extend its lending capabilities and enhance its digital customer experience.

Founded in 2004 as Consumer Federal Savings Bank, the institution rebranded to FinWise Bank in 2016 and established FinWise Bancorp as its bank holding company in 2018. Since completing its initial public offering in 2021, the company has pursued a growth strategy centered on expanding its loan portfolio, strengthening its capital base, and leveraging technology-driven underwriting processes. This approach has enabled FinWise Bancorp to scale its operations while maintaining disciplined credit management and regulatory compliance.

Under the leadership of President and Chief Executive Officer Christina D. Christensen, FinWise Bancorp continues to refine its business model by integrating data analytics and automation into its credit decision framework. The executive team’s deep expertise in commercial banking, regulatory oversight, and digital finance positions the company to capitalize on evolving market opportunities. With a nationwide digital footprint and a focus on relationship-driven service, FinWise Bancorp aims to deliver tailored financial solutions to underserved small businesses and individual borrowers.

Key Stats

• Today's Range: $15.20 to $15.57
• 50-Day Range: $13.70 to $15.94
• 52-Week Range: $10.80 to $20.94
• Volume: 15,900 shs
• Average Volume: 25,199 shs
• Market Capitalization: $202.93 million
• P/E Ratio: 16.68
• Dividend Yield: N/A
• Price Target: $20.88
• Consensus Rating: Buy

FinWise Bancorp Stock Analysis - MarketRank™

FinWise Bancorp scored higher than 76% of companies evaluated by MarketBeat, and ranked 454th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

FinWise Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 4 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

FinWise Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 74.76%

Earnings Growth

Earnings for FinWise Bancorp are expected to grow by 74.76% in the coming year, from $1.03 to $1.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of FinWise Bancorp is 16.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of FinWise Bancorp is 16.68, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

FinWise Bancorp has a P/B Ratio of 1.17. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.46% of the float of FinWise Bancorp has been sold short.

Short Interest Ratio / Days to Cover

FinWise Bancorp has a short interest ratio ("days to cover") of 5.6.

Change versus previous month

Short interest in FinWise Bancorp has recently increased by 257.19%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

FinWise Bancorp does not currently pay a dividend.

Dividend Growth

FinWise Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.46% of the float of FinWise Bancorp has been sold short.

Short Interest Ratio / Days to Cover

FinWise Bancorp has a short interest ratio ("days to cover") of 5.6.

Change versus previous month

Short interest in FinWise Bancorp has recently increased by 257.19%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

FinWise Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for FinWise Bancorp this week, compared to 1 article on an average week.

Search Interest

Only 3 people have searched for FINW on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, FinWise Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

21.30% of the stock of FinWise Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 35.41% of the stock of FinWise Bancorp is held by institutions.

FINW Stock Analysis - Frequently Asked Questions

How have FINW shares performed this year?

FinWise Bancorp's stock was trading at $15.98 on January 1st, 2025. Since then, FINW stock has decreased by 3.9% and is now trading at $15.35.

How were FinWise Bancorp's earnings last quarter?

FinWise Bancorp (NASDAQ:FINW) announced its quarterly earnings data on Wednesday, April, 30th. The company reported $0.23 earnings per share for the quarter, missing analysts' consensus estimates of $0.25 by $0.02. The firm earned $18.54 million during the quarter, compared to the consensus estimate of $22.38 million. FinWise Bancorp had a net margin of 12.67% and a trailing twelve-month return on equity of 7.34%.
Read the conference call transcript.

When did FinWise Bancorp IPO?

FinWise Bancorp (FINW) raised $38 million in an initial public offering (IPO) on Friday, November 19th 2021. The company issued 3,500,000 shares at $10.00-$12.00 per share.

How do I buy shares of FinWise Bancorp?

Shares of FINW stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of FinWise Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that FinWise Bancorp investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), Disc Medicine (IRON), Jabil (JBL), e.l.f. Beauty (ELF) and Adobe (ADBE).

Company Calendar

• Last Earnings: 4/30/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FINW
• CIK: 1856365
• Web: www.finwisebancorp.com
• Phone: 801-501-7200
• Fax: N/A
• Employees: 120
• Year Founded: N/A

Price Target and Rating

• Average Price Target for FinWise Bancorp: $20.88
• High Price Target: $22.00
• Low Price Target: $18.50
• Potential Upside/Downside: +36.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.92
• Trailing P/E Ratio: 16.68
• Forward P/E Ratio: 14.90
• P/E Growth: N/A
• Net Income: $12.74 million
• Net Margins: 12.67%
• Pretax Margin: 16.99%
• Return on Equity: 7.34%
• Return on Assets: 1.77%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $96.84 million
• Price / Sales: 2.10
• Cash Flow: $1.36 per share
• Price / Cash Flow: 11.26
• Book Value: $13.15 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 13,220,000
• Free Float: 10,400,000
• Market Cap: $202.93 million
• Optionable: Not Optionable
• Beta: 0.80