FinWise Bancorp (FINW) Stock Price, News & Analysis

Company Overview

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.

Key Stats

• Today's Range: $19.63 to $19.63
• 50-Day Range: $13.82 to $19.49
• 52-Week Range: $12.22 to $20.94
• Volume: 391 shs
• Average Volume: 28,214 shs
• Market Capitalization: $261.48 million
• P/E Ratio: 19.94
• Dividend Yield: N/A
• Price Target: $20.88
• Consensus Rating: Buy

FinWise Bancorp Stock Analysis - MarketRank™

FinWise Bancorp scored higher than 46% of companies evaluated by MarketBeat, and ranked 698th out of 934 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: 1.5 / 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 received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 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 20.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of FinWise Bancorp is 20.07, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.44.

Price to Book Value per Share Ratio

FinWise Bancorp has a P/B Ratio of 1.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.44% 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 5.9.

Change versus previous month

Short interest in FinWise Bancorp has recently decreased by 5.83%, indicating that investor sentiment is improving 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

2.44% 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 5.9.

Change versus previous month

Short interest in FinWise Bancorp has recently decreased by 5.83%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.16

News Sentiment

FinWise Bancorp has a news sentiment score of 1.16. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for FinWise Bancorp this week, compared to 1 article on an average week.

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 shares have increased by 21.8% and is now trading at $19.47.

How were FinWise Bancorp's earnings last quarter?

FinWise Bancorp (NASDAQ:FINW) released its earnings results on Thursday, July, 24th. The company reported $0.29 earnings per share for the quarter, beating analysts' consensus estimates of $0.22 by $0.07. The business had revenue of $25.07 million for the quarter, compared to analyst estimates of $22.36 million. FinWise Bancorp had a trailing twelve-month return on equity of 7.70% and a net margin of 12.72%.
Read the conference call transcript.

When did FinWise Bancorp IPO?

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

Who are FinWise Bancorp's major shareholders?

FinWise Bancorp's top institutional investors include Alliancebernstein L.P. (5.68%), US Bancorp DE (3.25%), Geode Capital Management LLC (1.55%) and Bridgeway Capital Management LLC (0.69%). Insiders that own company stock include James N Giordano, Javvis O Jacobson, Dawn M Cannon, Jeana Hutchings and Kent Landvatter.
View institutional ownership trends.

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: 7/24/2025
• Today: 8/29/2025
• Next Earnings (Estimated): 10/23/2025
• 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: +7.2%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.97
• Trailing P/E Ratio: 20.07
• Forward P/E Ratio: 18.90
• P/E Growth: N/A
• Net Income: $12.74 million
• Net Margins: 12.72%
• Pretax Margin: 17.08%
• Return on Equity: 7.70%
• Return on Assets: 1.76%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $96.84 million
• Price / Sales: 2.72
• Cash Flow: $1.36 per share
• Price / Cash Flow: 14.27
• Book Value: $13.46 per share
• Price / Book: 1.45

Miscellaneous

• Outstanding Shares: 13,520,000
• Free Float: 10,639,000
• Market Cap: $263.23 million
• Optionable: Not Optionable
• Beta: 0.82