FinWise Bancorp (FINW) Stock Price, News & Analysis

Company Overview

FinWise Bancorp is the bank holding company for FinWise Bank, a digital‐first community bank headquartered in Lindon, Utah. The company specializes in providing commercial lending and deposit products to marketplace lending platforms, fintech companies and small to mid‐sized businesses across the United States. FinWise Bancorp operates through its wholly owned subsidiary, FinWise Bank, which is FDIC‐insured and leverages a technology‐driven model to deliver banking services efficiently.

The company’s primary business activities include participant financing arrangements for marketplace lenders and other fintech platforms, as well as direct commercial loans. Its lending portfolio features term loans, revolving lines of credit, construction and development financing, commercial real estate loans and equipment financing. By partnering with digital lenders and marketplace operators, FinWise Bancorp facilitates credit access for borrowers while managing risk through customized loan structures and underwriting practices.

On the deposit side, FinWise Bancorp offers a suite of deposit products designed to support its lending activities and client relationships. These products include interest‐bearing checking accounts, savings accounts, money market accounts, time deposits and treasury management services. The bank’s digital platform provides online and mobile banking functionality, enabling partner organizations and end customers to manage accounts, initiate payments and monitor activity in real time.

Founded in 2008 as a de novo bank, FinWise Bancorp completed its initial public offering in September 2020, aiming to expand its role in the evolving fintech ecosystem. The company is led by Founder and Chief Executive Officer Hamid Majd, whose background in banking and technology underpins FinWise Bancorp’s strategy of blending traditional community banking with modern digital partnerships. The bank serves clients nationwide while maintaining its operational base in Utah.

Key Stats

• Today's Range: $13.71 to $13.94
• 50-Day Range: $13.41 to $15.42
• 52-Week Range: $12.82 to $22.49
• Volume: 13,667 shs
• Average Volume: 29,503 shs
• Market Capitalization: $191.12 million
• P/E Ratio: 14.52
• Dividend Yield: N/A
• Price Target: $18.00
• Consensus Rating: Hold

FinWise Bancorp Stock Analysis - MarketRank™

FinWise Bancorp scored higher than 85% of companies evaluated by MarketBeat, and ranked 236th out of 858 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: 3.9 / 5
• Analyst Rating: Hold

Consensus Rating

FinWise Bancorp has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and 1 sell rating.

Upside Potential

FinWise Bancorp has a consensus price target of $18.00, representing about 29.1% upside from its current price of $13.94.

Amount of Analyst Coverage

FinWise Bancorp has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 40.26%

Earnings Growth

Earnings for FinWise Bancorp are expected to grow by 40.26% in the coming year, from $0.77 to $1.08 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of FinWise Bancorp is 14.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.32.

Price to Earnings Ratio vs. Sector

The P/E ratio of FinWise Bancorp is 14.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.20.

Price to Book Value per Share Ratio

FinWise Bancorp has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

1.32% 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 4.86.

Change versus previous month

Short interest in FinWise Bancorp has recently increased by 5.49%, 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.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.14

News Sentiment

FinWise Bancorp has a news sentiment score of 0.14. 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 lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for FinWise Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.1 / 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

22.40% 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

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

Company Calendar

• Last Earnings: 7/29/2026
• Today: 8/12/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FINW
• CIK: 1856365
• Web: www.finwisebancorp.com
• Phone: 801-501-7200
• Fax: N/A
• Employees: 120
• Year Founded: 2000

Price Target and Rating

• Average Price Target for FinWise Bancorp: $18.00
• High Price Target: $22.00
• Low Price Target: $16.00
• Potential Upside/Downside: +29.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.96
• Trailing P/E Ratio: 14.52
• Forward P/E Ratio: 18.10
• P/E Growth: N/A
• Net Income: $16.09 million
• Net Margins: 6.76%
• Pretax Margin: 12.23%
• Return on Equity: 7.10%
• Return on Assets: 1.48%

Debt

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

Sales & Book Value

• Annual Sales: $150.96 million
• Price / Sales: 1.27
• Cash Flow: $1.56 per share
• Price / Cash Flow: 8.93
• Book Value: $14.22 per share
• Price / Book: 0.98

Miscellaneous

• Outstanding Shares: 13,710,000
• Free Float: 10,636,000
• Market Cap: $191.12 million
• Optionable: Not Optionable
• Beta: 0.70