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FinWise Bancorp

FINW

NASDAQFinancial ServicesBanks - Regional

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Previous close

$14.00

−$0.24 · -1.69%

Aug 21, 4:00 PM ET

FINW company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

90

Deep Value

Momentum

36

Weakening

Sentiment

38

Bearish

Risk resilience

49

Elevated Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James F. Noone
Listed since
Nov 19, 2021
Employees
206

Market position

Day range

Current $14.00

52-week range

Current $14.00

Open
$14.29
Previous close
$14.24
Volume
16.24K
0.58× average
Average volume
28.18K
Average daily volume
Market cap
191.88M USD
Beta
0.71
Market reference 1
50-day average
$14.1023
-0.73% below average
200-day average
$16.0163
-12.59% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
71.14M USD
EV / EBITDA
2.67×
Earnings yield
6.99%
Free cash flow yield
-14.86%

Profitability & efficiency

Return on equity
8.33%
Return on assets
1.65%
Return on invested capital
7.34%

Financial health

Current ratio
0.22×
Altman Z-score
0.66
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends96%65%34%3%Gross margin, FY2021: 88.53%Gross margin, FY2022: 83.43%Gross margin, FY2023: 75.04%Gross margin, FY2024: 72.28%Gross margin, FY2025: 61.00%Operating margin, FY2021: 52.13%Operating margin, FY2022: 39.94%Operating margin, FY2023: 27.50%Operating margin, FY2024: 17.43%Operating margin, FY2025: 14.41%Net margin, FY2021: 38.95%Net margin, FY2022: 27.84%Net margin, FY2023: 20.16%Net margin, FY2024: 13.07%Net margin, FY2025: 10.66%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 88.53%. Gross margin FY2022 83.43%. Gross margin FY2023 75.04%. Gross margin FY2024 72.28%. Gross margin FY2025 61.00%. Operating margin FY2021 52.13%. Operating margin FY2022 39.94%. Operating margin FY2023 27.50%. Operating margin FY2024 17.43%. Operating margin FY2025 14.41%. Net margin FY2021 38.95%. Net margin FY2022 27.84%. Net margin FY2023 20.16%. Net margin FY2024 13.07%. Net margin FY2025 10.66%.

Income trends

Revenue

150.96M USD+54.89%

Operating income

21.76M USD+28.08%

Net income

16.09M USD+26.28%
Income trends across reported periods164.78M USD109.5M USD54.21M USD−1.08M USDRevenue, FY2021: 81.09M USDRevenue, FY2022: 90.22M USDRevenue, FY2023: 86.59M USDRevenue, FY2024: 97.46M USDRevenue, FY2025: 150.96M USDOperating income, FY2021: 42.27M USDOperating income, FY2022: 36.03M USDOperating income, FY2023: 23.81M USDOperating income, FY2024: 16.99M USDOperating income, FY2025: 21.76M USDNet income, FY2021: 31.58M USDNet income, FY2022: 25.12M USDNet income, FY2023: 17.46M USDNet income, FY2024: 12.74M USDNet income, FY2025: 16.09M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 81.09M USD. Revenue FY2022 90.22M USD. Revenue FY2023 86.59M USD. Revenue FY2024 97.46M USD. Revenue FY2025 150.96M USD. Operating income FY2021 42.27M USD. Operating income FY2022 36.03M USD. Operating income FY2023 23.81M USD. Operating income FY2024 16.99M USD. Operating income FY2025 21.76M USD. Net income FY2021 31.58M USD. Net income FY2022 25.12M USD. Net income FY2023 17.46M USD. Net income FY2024 12.74M USD. Net income FY2025 16.09M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue150.96M USD97.46M USD86.59M USD90.22M USD81.09M USD
Cost of goods sold58.87M USD27.01M USD21.61M USD14.95M USD9.3M USD
Gross profit92.09M USD70.45M USD64.98M USD75.27M USD71.78M USD
Selling, general, and administrative44.17M USD35.21M USD25.75M USD24.49M USD21.74M USD
Operating expenses70.33M USD53.46M USD41.16M USD39.23M USD29.51M USD
Interest income92.48M USD74.35M USD64.53M USD52.33M USD49.24M USD
Interest expense20.3M USD15.44M USD9.98M USD1.43M USD1.27M USD
Depreciation and amortization4.86M USD5.29M USD3.81M USD2.11M USD1.04M USD
Operating income21.76M USD16.99M USD23.81M USD36.03M USD42.27M USD
Net income16.09M USD12.74M USD17.46M USD25.12M USD31.58M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 4 misses, 1 met estimate
Average EPS surprise
-0.70%
11 comparable reports
Latest EPS result
0.15
Estimate 0.24 · Miss by 37.50%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.390.30.210.13Q1 '25MetQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.2, estimate 0.2, surprise 0.00%, Met estimate. Q2 2025, reported Apr 30, 2025: actual 0.23, estimate 0.255, surprise -9.80%, Miss. Q3 2025, reported Jul 24, 2025: actual 0.29, estimate 0.229, surprise +26.53%, Beat. Q4 2025, reported Oct 29, 2025: actual 0.34, estimate 0.297, surprise +14.59%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.27, estimate 0.35, surprise -22.86%, Miss. Q2 2026, reported Apr 30, 2026: actual 0.2, estimate 0.33, surprise -39.39%, Miss. Q3 2026, reported Jul 29, 2026: actual 0.15, estimate 0.24, surprise -37.50%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.21, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates57.04M44.01M30.98M17.95MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 21.13M USD, estimate 20.65M USD, surprise +2.36%, Beat. Q2 2025, reported Apr 30, 2025: actual 22.09M USD, estimate 22.63M USD, surprise -2.40%, Miss. Q3 2025, reported Jul 24, 2025: actual 25.07M USD, estimate 23.79M USD, surprise +5.37%, Beat. Q4 2025, reported Oct 29, 2025: actual 36.41M USD, estimate 28.2M USD, surprise +29.12%, Beat. Q1 2026, reported Jan 29, 2026: actual 46.85M USD, estimate 42.32M USD, surprise +10.70%, Beat. Q2 2026, reported Apr 30, 2026: actual 42.72M USD, estimate 50.48M USD, surprise -15.38%, Miss. Q3 2026, reported Jul 29, 2026: actual 54.34M USD, estimate 47.11M USD, surprise +15.36%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 41.62M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$16.00

14.29% upside
Past 12 months12-month forecastHigh $16.00Average $16.00Low $16.00

Recent analyst actions

1 institution
Piper SandlermaintainOverweight

FINW news

seekingalpha.com

FinWise Bancorp (FINW) Q2 2026 Earnings Call Transcript

FinWise Bancorp (FINW) Q2 2026 Earnings Call Transcript

Read source
zacks.com

FinWise Bancorp (FINW) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

The headline numbers for FinWise Bancorp (FINW) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the…

Read source
zacks.com

FinWise Bancorp (FINW) Lags Q2 Earnings Estimates

FinWise Bancorp (FINW) came out with quarterly earnings of $0.15 per share, missing the Zacks Consensus Estimate of $0.24 per share. This compares to earnings of $0.29 per share a year ago.

Read source
marketbeat.com

FinWise Bancorp Q2 Earnings Call Highlights

FinWise Bancorp NASDAQ: FINW reported second-quarter 2026 net income of $2.1 million, or $0.15 per diluted share, as higher loan originations and net interest income were partly offset by increased provisions for credit…

Read source
globenewswire.com

FinWise Bancorp Reports Second Quarter 2026 Results

- Loan Originations of $1.6 Billion - - Net Income of $2.1 Million - - Diluted Earnings Per Share of $0.15 - MURRAY, Utah, July 29, 2026 (GLOBE NEWSWIRE) -- FinWise Bancorp (NASDAQ: FINW) (“FinWise”, the “Company”, “we”,…

Read source
zacks.com

Earnings Preview: FinWise Bancorp (FINW) Q2 Earnings Expected to Decline

FinWise Bancorp (FINW) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read source

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