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: $19.20 to $19.42
• 50-Day Range: $15.21 to $19.68
• 52-Week Range: $13.48 to $20.94
• Volume: 402 shs
• Average Volume: 27,437 shs
• Market Capitalization: $261.41 million
• P/E Ratio: 19.93
• Dividend Yield: N/A
• Price Target: $20.88
• Consensus Rating: Buy

FinWise Bancorp Stock Analysis - MarketRank™

FinWise Bancorp scored higher than 56% of companies evaluated by MarketBeat, and ranked 631st out of 919 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: 2.1 / 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.

Upside/Downside

The consensus price target for FinWise Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

FinWise Bancorp has received no research coverage 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 19.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 279.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of FinWise Bancorp is 19.98, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 231.88.

Price to Book Value per Share Ratio

FinWise Bancorp has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.31% 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 decreased by 3.16%, indicating that investor sentiment is improving.

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

2.31% 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 decreased by 3.16%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: N/A

News Sentiment

FinWise Bancorp has a news sentiment score of 1.76. 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 1.09 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.

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 at the beginning of the year. Since then, FINW stock has increased by 21.3% and is now trading at $19.38.

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 EPS 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 initial public offering (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?

Top institutional shareholders of FinWise Bancorp 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: 9/10/2025
• 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: +7.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.97
• Trailing P/E Ratio: 19.98
• Forward P/E Ratio: 18.82
• 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: 2.71
• Cash Flow: $1.34 per share
• Price / Cash Flow: 14.44
• Book Value: $13.15 per share
• Price / Book: 1.47

Miscellaneous

• Outstanding Shares: 13,520,000
• Free Float: 10,639,000
• Market Cap: $262.02 million
• Optionable: Not Optionable
• Beta: 0.83