Symbols / FINW Stock $14.96 -3.79% FinWise Bancorp

Financial Services • Banks - Regional • United States • NGM
FINW (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James F. Noone
Exch · Country NGM · United States
Market Cap 205.04M
Enterprise Value 108.11M
Income 14.93M
Sales 105.47M
FCF (ttm) —
Book/sh 14.15
Cash/sh 7.07
Employees 210
Insider 10d —
IPO Nov 19, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 13.60
Forward P/E 7.32
PEG —
P/S 1.94
P/B 1.06
P/C —
EV/EBITDA —
EV/Sales 1.02
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.10
EPS next Y 2.04
EPS Growth -13.00%
Revenue Growth 71.40%
EPS Gr Q/Q -14.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-30
ROA 1.84%
ROE 8.36%
ROIC —
Gross Margin 0.00%
Oper. Margin 11.82%
Profit Margin 14.82%
Shs Outstand 13.71M
Shs Float 9.24M
Insider Own 30.93%
Instit Own 29.48%
Short Float 0.98%
Short Ratio 9.04
Short Interest 110.89K
52W High 22.49
vs 52W High -33.48%
52W Low 13.48
vs 52W Low 10.94%
Beta 0.84
Impl. Vol. —
Rel Volume 5.15
Avg Volume 13.65K
Volume 70.24K
Target (mean) $19.00
Tgt Median $19.00
Tgt Low $18.00
Tgt High $20.00
# Analysts 3
Recom Buy
Prev Close $15.55
Price $14.96
Change -3.79%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$19.00
Mean price target
2. Current target
$14.96
Latest analyst target
3. DCF / Fair value
$16.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$14.96
Low
$18.00
High
$20.00
Mean
$19.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-01-30 main Piper Sandler Overweight → Overweight $17
2023-08-23 main Piper Sandler Overweight → Overweight $12
2023-01-26 main Piper Sandler — → Overweight $12
2021-12-14 init Stephens & Co. — → Overweight $23
2021-12-14 init Piper Sandler — → Overweight $16
News
RSS: Latest FINW news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 EHRLICH SUSAN P Director — 1,589 $15.73 $24,995
2026-03-31 NIEVAARD LISA ANN Director — 3,179 $15.73 $50,006
2026-03-31 REYNOLDS HOWARD I Director — 3,189 $15.73 $50,163
2026-03-31 CUNNINGHAM GERALD EDWIN Director — 3,179 $15.73 $50,006
2026-03-31 GIORDANO JAMES N Director — 3,179 $15.73 $50,006
2026-03-31 HUTCHINGS JEANA Director — 3,179 $15.73 $50,006
2026-03-31 WEICHSELBAUM ALAN Director — 3,179 $15.73 $50,006
2026-03-31 STINES ANDREW G Officer — 19,072 $15.73 $300,003
2025-11-03 KEIL ROBERT Officer — 1,500 $19.48 $29,220
2025-10-31 REYNOLDS HOWARD I Director — 2,297 $18.95 $43,528
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
120.83
+47.33%
82.01
+7.05%
76.61
-13.71%
88.78
Operating Revenue
120.83
+47.33%
82.01
+7.05%
76.61
-13.71%
88.78
Selling General And Administration
43.51
+23.59%
35.21
+36.72%
25.75
+5.15%
24.49
General And Administrative Expense
43.51
+23.59%
35.21
+36.72%
25.75
+5.15%
24.49
Salaries And Wages
42.29
+20.12%
35.20
+36.71%
25.75
+5.15%
24.49
Reconciled Depreciation
4.86
-8.04%
5.29
+38.78%
3.81
+80.87%
2.11
Total Unusual Items
—
—
0.38
+121.76%
-1.73
Total Unusual Items Excluding Goodwill
—
—
0.38
+121.76%
-1.73
Special Income Charges
—
—
0.38
+121.76%
-1.73
Write Off
—
—
-0.38
-121.76%
1.73
Net Income
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Pretax Income
21.76
+28.08%
16.99
-28.66%
23.81
-33.91%
36.03
Net Interest Income
72.18
+22.53%
58.91
+7.98%
54.56
+7.20%
50.90
Interest Expense
20.30
+31.44%
15.44
+54.79%
9.97
+595.61%
1.43
Interest Income
92.48
+24.38%
74.35
+15.21%
64.53
+23.32%
52.33
Gain On Sale Of Security
—
—
—
-0.48
Tax Provision
5.67
+33.48%
4.25
-33.15%
6.35
-41.80%
10.92
Tax Rate For Calcs
0.00
+4.40%
0.00
-6.37%
0.00
-11.87%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
+100.00%
-0.52
Net Income Including Noncontrolling Interests
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Net Income From Continuing Operation Net Minority Interest
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Net Income From Continuing And Discontinued Operation
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Net Income Continuous Operations
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Normalized Income
16.09
+26.28%
12.74
-27.02%
17.46
-33.66%
26.32
Net Income Common Stockholders
15.39
+24.56%
12.35
-28.07%
17.17
-31.10%
24.92
Otherunder Preferred Stock Dividend
0.70
+80.77%
0.39
+35.42%
0.29
+49.22%
0.19
Diluted EPS
—
0.93
-30.08%
1.33
-28.88%
1.87
Basic EPS
—
0.98
-28.99%
1.38
-29.59%
1.96
Basic Average Shares
—
12.61
+0.99%
12.49
-1.90%
12.73
Diluted Average Shares
—
13.23
+2.47%
12.91
-3.35%
13.36
Diluted NI Availto Com Stockholders
15.39
+24.56%
12.35
-28.07%
17.17
-31.10%
24.92
Insurance And Claims
1.22
+122100.00%
0.00
—
—
Occupancy And Equipment
1.88
-13.86%
2.18
-34.21%
3.31
+50.27%
2.20
Other Non Interest Expense
12.78
+19.40%
10.71
+63.70%
6.54
+33.99%
4.88
Professional Expense And Contract Services Expense
3.63
-23.35%
4.74
-4.54%
4.96
-9.04%
5.45
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
977.13
+30.99%
745.98
+27.25%
586.22
+46.27%
400.78
Cash And Cash Equivalents
163.40
+49.69%
109.16
-6.68%
116.97
+16.32%
100.57
Cash Financial
12.08
+25.85%
9.60
+2235.77%
0.41
+6.48%
0.39
Other Short Term Investments
—
29.93
0.00
—
Receivables
86.00
+4.13%
82.59
+87.34%
44.08
+298.22%
11.07
Accounts Receivable
3.71
+3.95%
3.57
-0.20%
3.57
+96.53%
1.82
Other Receivables
82.29
+4.13%
79.02
+95.07%
40.51
+337.85%
9.25
Net PPE
18.08
+4.57%
17.29
-8.64%
18.92
+30.33%
14.52
Gross PPE
26.87
+14.19%
23.53
+3.45%
22.74
+35.57%
16.78
Accumulated Depreciation
-8.79
-40.83%
-6.24
-63.33%
-3.82
-69.30%
-2.26
Machinery Furniture Equipment
2.67
-4.34%
2.79
-15.52%
3.30
-10.82%
3.70
Construction In Progress
0.25
-58.68%
0.60
-71.90%
2.15
+42.21%
1.51
Other Properties
20.25
+23.21%
16.44
+20.93%
13.59
+73.29%
7.84
Leases
3.70
-0.03%
3.70
+0.00%
3.70
-0.54%
3.72
Investments And Advances
9.00
-82.07%
50.20
+156.25%
19.59
+2.60%
19.09
Long Term Equity Investment
—
—
—
—
Total Liabilities Net Minority Interest
783.94
+36.99%
572.26
+32.72%
431.17
+65.63%
260.32
Payables And Accrued Expenses
3.47
-41.37%
5.92
+137.44%
2.49
+120.34%
1.13
Payables
3.47
-41.37%
5.92
+137.44%
2.49
+120.34%
1.13
Accounts Payable
2.63
+76.17%
1.49
+141.36%
0.62
+1046.30%
0.05
Total Tax Payable
0.84
-81.08%
4.42
+136.15%
1.87
+73.91%
1.08
Income Tax Payable
0.84
-81.08%
4.42
+136.15%
1.87
+73.91%
1.08
Long Term Debt And Capital Lease Obligation
4.41
-16.86%
5.30
-18.25%
6.49
-11.56%
7.33
Long Term Debt
—
0.06
-66.32%
0.19
-39.49%
0.31
Long Term Capital Lease Obligation
4.41
-16.86%
5.30
-15.79%
6.30
-10.31%
7.02
Non Current Deferred Liabilities
—
0.90
+20.19%
0.75
—
Non Current Deferred Taxes Liabilities
—
0.90
+20.19%
0.75
—
Stockholders Equity
193.19
+11.21%
173.72
+12.04%
155.06
+10.39%
140.46
Common Stock Equity
193.19
+11.21%
173.72
+12.04%
155.06
+10.39%
140.46
Capital Stock
0.01
+7.69%
0.01
+8.33%
0.01
-7.69%
0.01
Common Stock
0.01
+7.69%
0.01
+8.33%
0.01
-7.69%
0.01
Preferred Stock
—
0.00
0.00
0.00
Share Issued
13.66
+3.36%
13.21
+5.75%
12.49
-2.63%
12.83
Ordinary Shares Number
13.66
+3.36%
13.21
+5.75%
12.49
-2.63%
12.83
Additional Paid In Capital
60.96
+7.08%
56.93
+11.18%
51.20
-6.25%
54.61
Retained Earnings
132.20
+13.38%
116.59
+12.28%
103.84
+20.99%
85.83
Gains Losses Not Affecting Retained Earnings
0.03
-86.10%
0.19
0.00
—
Other Equity Adjustments
0.03
-86.10%
0.19
—
—
Total Equity Gross Minority Interest
193.19
+11.21%
173.72
+12.04%
155.06
+10.39%
140.46
Total Capitalization
—
173.78
+11.94%
155.25
+10.28%
140.77
Invested Capital
—
173.78
+11.94%
155.25
+10.28%
140.77
Total Debt
4.41
-16.86%
5.30
-18.25%
6.49
-11.56%
7.33
Capital Lease Obligations
4.41
-16.86%
5.30
-15.79%
6.30
-10.31%
7.02
Net Tangible Assets
193.19
+11.21%
173.72
+12.04%
155.06
+10.39%
140.46
Tangible Book Value
193.19
+11.21%
173.72
+12.04%
155.06
+10.39%
140.46
Available For Sale Securities
9.00
+16.88%
7.70
+83.33%
4.20
-12.50%
4.80
Cash Cash Equivalents And Federal Funds Sold
163.40
+49.69%
109.16
-6.68%
116.97
+16.32%
100.57
Held To Maturity Securities
—
12.56
-18.35%
15.39
+7.67%
14.29
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-28.42
-89.61%
-14.99
-222.23%
12.27
-79.94%
61.15
Cash Flow From Continuing Operating Activities
-28.42
-89.61%
-14.99
-222.23%
12.27
-79.94%
61.15
Net Income From Continuing Operations
16.09
+26.28%
12.74
-27.02%
17.46
-30.48%
25.11
Depreciation Amortization Depletion
4.86
-8.04%
5.29
+38.78%
3.81
+80.87%
2.11
Depreciation
—
3.20
-16.03%
3.81
+80.87%
2.11
Amortization Cash Flow
—
2.09
—
—
Depreciation And Amortization
4.86
-8.04%
5.29
+38.78%
3.81
+80.87%
2.11
Amortization Of Intangibles
—
2.09
—
—
Other Non Cash Items
-77.77
-77.86%
-43.73
-87.44%
-23.33
-170.55%
33.06
Stock Based Compensation
3.58
+74.93%
2.05
+0.00%
2.05
+162.98%
0.78
Asset Impairment Charge
0.92
+206.82%
-0.86
-130.05%
-0.38
-121.76%
1.73
Deferred Tax
-3.19
-3646.67%
0.09
-95.30%
1.92
+191.92%
0.66
Deferred Income Tax
-3.19
-3646.67%
0.09
-95.30%
1.92
+191.92%
0.66
Operating Gains Losses
-7.67
-443.80%
-1.41
-30.17%
-1.08
+91.71%
-13.07
Change In Working Capital
-3.80
-439.57%
-0.70
-487.36%
0.18
+106.57%
-2.77
Change In Receivables
-0.14
-2114.29%
0.01
+100.40%
-1.75
-550.00%
-0.27
Changes In Account Receivables
-0.14
-2114.29%
0.01
+100.40%
-1.75
-550.00%
-0.27
Change In Payables And Accrued Expense
1.14
+30.06%
0.88
+54.87%
0.56
+9316.67%
0.01
Change In Payable
1.14
+30.06%
0.88
+54.87%
0.56
+9316.67%
0.01
Change In Account Payable
1.14
+30.06%
0.88
+54.87%
0.56
+9316.67%
0.01
Change In Other Current Assets
-6.01
-262.21%
-1.66
+74.27%
-6.45
-2056.52%
-0.30
Change In Other Current Liabilities
1.21
+1577.78%
0.07
-99.08%
7.82
+454.33%
-2.21
Investing Cash Flow
-126.91
+4.13%
-132.38
+13.40%
-152.87
-326.61%
-35.83
Cash Flow From Continuing Investing Activities
-126.91
+4.13%
-132.38
+13.40%
-152.87
-326.61%
-35.83
Net PPE Purchase And Sale
-5.30
-10.58%
-4.79
+35.75%
-7.46
-3.40%
-7.21
Purchase Of PPE
-5.77
-17.81%
-4.89
+34.37%
-7.46
-3.40%
-7.21
Sale Of PPE
0.47
+354.37%
0.10
—
—
Capital Expenditure
-5.77
-17.81%
-4.89
+34.37%
-7.46
-3.40%
-7.21
Net Investment Purchase And Sale
111.02
+516.57%
-26.65
-2292.28%
-1.11
+63.92%
-3.09
Purchase Of Investment
0.00
+100.00%
-30.02
-915.15%
-2.96
+41.35%
-5.04
Sale Of Investment
111.02
+3196.20%
3.37
+82.75%
1.84
-5.68%
1.95
Net Other Investing Changes
-0.09
+18.02%
-0.11
-152.86%
0.21
+395.77%
-0.07
Financing Cash Flow
209.57
+50.17%
139.56
-11.12%
157.01
+1594.51%
-10.51
Cash Flow From Continuing Financing Activities
209.57
+50.17%
139.56
-11.12%
157.01
+1594.51%
-10.51
Net Issuance Payments Of Debt
0.00
+100.00%
-0.13
-0.80%
-0.12
+83.02%
-0.74
Issuance Of Debt
—
—
—
0.00
Repayment Of Debt
0.00
+100.00%
-0.13
-0.80%
-0.12
+83.02%
-0.74
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
0.00
+100.00%
-0.13
-0.80%
-0.12
+83.02%
-0.74
Net Long Term Debt Issuance
0.00
+100.00%
-0.13
-0.80%
-0.12
+83.02%
-0.74
Net Common Stock Issuance
0.00
+100.00%
-0.46
+90.28%
-4.74
-317.34%
-1.14
Common Stock Payments
0.00
+100.00%
-0.46
+90.28%
-4.74
-317.34%
-1.14
Repurchase Of Capital Stock
0.00
+100.00%
-0.46
+90.28%
-4.74
-317.34%
-1.14
Proceeds From Stock Option Exercised
0.48
+1824.00%
0.03
-43.18%
0.04
-83.08%
0.26
Net Other Financing Charges
-0.52
—
—
—
Changes In Cash
54.24
+794.20%
-7.81
-147.62%
16.41
+10.77%
14.81
Beginning Cash Position
109.16
-6.68%
116.97
+16.32%
100.57
+17.27%
85.75
End Cash Position
163.40
+49.69%
109.16
-6.68%
116.97
+16.32%
100.57
Free Cash Flow
-34.19
-71.94%
-19.89
-513.69%
4.81
-91.09%
53.94
Interest Paid Supplemental Data
19.16
+31.53%
14.56
+54.78%
9.41
+558.96%
1.43
Income Tax Paid Supplemental Data
7.06
-12.34%
8.06
+21.60%
6.63
-29.21%
9.36
Common Stock Issuance
—
—
—
0.00
Dividends Received CFI
—
—
0.00
-100.00%
0.62
Earnings Losses From Equity Investments
-1.30
-308.00%
0.62
+4.17%
0.60
+25.52%
0.48
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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