FINW Stock Analysis: Finwise Bancorp | NASDAQ

Total Rating 28

Safety 43

Buy Signal -0.03

Banks - Regional
Industry Rotation: -1.7

Market Cap: 150M
Avg Turnover: 377K

Risk 3d forecast

Volatility205%

VaR 5^th Pctl28.7%

VaR vs Median-12.2%

Reward TTM

Sharpe Ratio-0.68

Rel. Str. IBD12.3

Rel. Str. Peer Group2 pctl

Character TTM

Beta0.257

Beta Downside0.798

Hurst Exponent0.556

Choppyness27.8%

Drawdowns 3y

Max DD53.53%

CAGR/Max DD0.29

CAGR/Mean DD0.72

EPS (Earnings per Share)

EPS CAGR: -2.77%
EPS Trend: -18.3%

Last SUE: 4.00
Qual. Beats: 1

Revenue

Rev. CAGR: 40.03%
Rev. Trend: 94.6%

Last SUE: 0.60
Qual. Beats: 0

Warnings

Overextended 3d

Below Sma 200d

Tailwinds

Squeeze

Ep Pivot

Seasonality

Not enough history

Description: FINW Finwise Bancorp

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 operates in three segments: Traditional Banking; BaaS and Treasury; and Administration. The company provides 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 offers 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. The company was formerly known as All West Bancorp. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.

Headlines to Watch Out For

Piotroski VR-10 (Strict) 3.0

Net Income: 18.8m TTM > 0 and > 6% of Revenue
FCF/TA: -1.39 > 0.02 and ΔFCF/TA -132.3 > 1.0
NWC/Revenue: -349.8% < 20% (prev -392.2%; Δ 42.40% < -1%)
CFO/TA -1.39 > 3% & CFO -1.33b > Net Income 18.8m
Net Debt (-29.4m) to EBITDA (27.4m): -1.07 < 3
Current Ratio: 0.04 > 1.5 & < 3
Outstanding Shares: last quarter (13.7m) vs 12m ago 0.35% < -2%
Gross Margin: 71.57% > 18% (prev 65.10%; Δ 6.47% > 0.5%)
Asset Turnover: 22.28% > 50% (prev 13.75%; Δ 8.53% > 0%)
Interest Coverage Ratio: 1.06 > 6 (EBIT TTM 22.5m / Interest Expense TTM 21.2m)

Altman Z'' -4.01

A: -0.76 (Total Current Assets 33.8m - Total Current Liabilities 758.0m) / Total Assets 958.3m
B: 0.15 (Retained Earnings 146.3m / Total Assets 958.3m)
C: 0.02 (EBIT TTM 22.5m / Avg Total Assets 929.1m)
D: 0.28 (Book Value of Equity 208.1m / Total Liabilities 750.3m)
Altman-Z'' = -4.01 = D

What is the price of FINW shares?

As of October 30, 2026, the stock is trading at USD 13.33 with a total of 76,019 shares traded. Over the past week, the price has changed by +26.95%, over one month by +18.38%, over three months by -5.46% and over the past year by -25.20%.

Current recommended Stop Loss: 12.70 (which is 4.7% or 1.3 ATR below the current price).

Is FINW a buy, sell or hold?

Finwise Bancorp has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold FINW.

StrongBuy: 0
Buy: 2
Hold: 1
Sell: 0
StrongSell: 0

What are the forecasts/targets for the FINW price?

Analysts Target Price	16.3	22.5%

Finwise Bancorp (FINW) - Fundamental Data Overview as of 30 October 2026

Market Cap USD = 150.2m (150.2m USD * 1.0 USD.USD)
P/E Trailing = 11.2708
P/S = 1.286
P/B = 0.7283
Revenue TTM = 207.0m USD
EBIT TTM = 22.5m USD
EBITDA TTM = 27.4m USD
Long Term Debt = unknown (none)
Short Term Debt = 4.41m USD (from shortTermDebt, last fiscal year)
Debt = 4.41m USD (from shortLongTermDebtTotal, last fiscal year) (leases 4.41m already included)
Net Debt = -29.4m USD (calculated: Debt 4.41m - CCE 33.8m)
Enterprise Value = 120.8m USD (150.2m + Debt 4.41m - CCE 33.8m)
Interest Coverage Ratio = 1.06 (Ebit TTM 22.5m / Interest Expense TTM 21.2m)
EV/FCF = -0.09x (Enterprise Value 120.8m / FCF TTM -1.33b)
FCF Yield = -1.10k% (FCF TTM -1.33b / Enterprise Value 120.8m)
FCF Margin = -642.0% (FCF TTM -1.33b / Revenue TTM 207.0m)
Net Margin = 9.09% (Net Income TTM 18.8m / Revenue TTM 207.0m)
Gross Margin = 71.57% ((Revenue TTM 207.0m - Cost of Revenue TTM 58.9m) / Revenue TTM)
Gross Margin QoQ = none% (prev 53.15%)
Tobins Q-Ratio = 0.13 (Enterprise Value 120.8m / Total Assets 958.3m)
Interest Expense / Debt = 481.0% (Interest Expense 21.2m / Debt 4.41m)
Taxrate = 24.22% (6.14m / 25.3m)
NOPAT = 17.1m (EBIT 22.5m * (1 - 24.22%))
Current Ratio = 0.04 (Total Current Assets 33.8m / Total Current Liabilities 758.0m)
Debt / Equity = 0.02 (Debt 4.41m / totalStockholderEquity, last quarter 208.1m)
Debt / EBITDA = -1.07 (Net Debt -29.4m / EBITDA 27.4m)
Debt / FCF = 0.02 (negative FCF - burning cash) (Net Debt -29.4m / FCF TTM -1.33b)
Total Stockholder Equity = 199.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.03% (Net Income 18.8m / Total Assets 958.3m)
RoE = 9.45% (Net Income TTM 18.8m / Total Stockholder Equity 199.3m)
RoCE = 11.24% (EBIT 22.5m / Capital Employed (Total Assets 958.3m - Current Liab 758.0m))
RoIC = 8.78% (NOPAT 17.1m / Invested Capital 194.4m)
WACC = 6.32% (E(150.2m)/V(154.6m) * Re(6.51%) + (debt cost/tax rate unavailable))
Discount Rate = 6.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 93.04 | Cagr: 1.85%
[DCF] Fair Price = unknown (Cash Flow -1.33b)
EPS Correlation: -18.26 | EPS CAGR: -2.77% | SUE: 4.0 | # QB: 1
Revenue Correlation: 94.55 | Revenue CAGR: 40.03% | SUE: 0.60 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.19 | Chg30d=-1.74% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=0.72 | Chg30d=-0.46% | Revisions=-50% | GrowthEPS=-36.6% | GrowthRev=+41.1%
EPS next Year (2027-12-31): EPS=1.01 | Chg30d=-3.19% | Revisions=-50% | GrowthEPS=+41.4% | GrowthRev=+15.5%
[Analyst] Revisions Ratio: -75% (up=0, down=9)