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Company Analysis

FinWise Bancorp FINW

A comprehensive view of key metrics, scores, and financial health for FinWise Bancorp

Overview of FinWise Bancorp

FINW NGM
Financial Services Banks - Regional Micro Cap
FinWise Bancorp (FINW), is a Micro Cap company, in the Banks - Regional industry, last closed at $16.16, about 11.8% overvalued vs fair value, +6.7% 1Y return, ranked 799/1037 in sector.
Metrics Rev Growth 84.1% ROE 8.8% Gross Margin 61.0%
$16.16
-0.19%
As of April 28, 2026
Previous close • Vol 90d: 31.4%
52-Week Range
Market Cap
$221.02M
Enterprise Value
$213.34M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.finwise.bank
HQ Murray, UT
Employees 198
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$14
$27
Current: $16.16 -12% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$74.4M
15.2%%
Interest Expense
$20.3M
Net Interest Income
$58.9M
8%%
Total Revenue
$151.0M
84.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.1%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$505.0K
4.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating FinWise Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
20
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FINW's balance between Growth (39.8%), Profitability (38.3%), and Safety (21.9%). Growth 40% Safety 22% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

70th percentile vs peers
70
Key Signals
Asset Growth YoY 31.0% 92p NII Growth YoY 8.0% 74p Equity Growth YoY 12.0% 77p EPS Growth YoY -28.8% 18p
Strengths
  • Asset Growth YoY in top 20% of peers (31.0%, 92th percentile)
  • Net Interest Margin in top 20% of peers (7.9%, 97th percentile)
  • ROA in top 20% of peers (1.9%, 94th percentile)
  • Equity/Assets in top 20% of peers (19.8%, 96th percentile)
  • Cash & Securities to Assets in top 20% of peers (23.3%, 82th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-28.8%)

Profitability

67th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for FinWise Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$14.26
- - -
-11.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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