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    • FinWise Bancorp logo

    FinWise Bancorp

    FINW | NASDAQ
    Chart Builder DCF Calculator
    $12.26
    -$0.27 (-2.15%)
    At close: Sep 21, 2026, 4:00 PM ET
    $12.26
    $0 (0.00%)
    After-hours: Sep 21, 2026, 4:10 PM ET
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $171.74M
    Enterprise Value
    $134.38M
    Beta
    0.71
    Average Volume
    29.27K
    Shares Outstanding (Diluted)
    13.67M
    Shares Change YoY
    1.49%
    Institutional Ownership
    29.56%
    Exchange
    NASDAQ
    ISIN
    US31813A1097

    Price Performance

    Price Change 1M
    -12.9%
    Price Change 3M
    -15.3%
    Price Change 6M
    -20.1%
    Price Change YTD
    -29.7%
    Price Change 1Y
    -41.8%
    Price Change 3Y
    35.0%
    Price Change 5Y
    -3.7%
    1M CAGR (ann.)
    -12.0%
    1Y CAGR (ann.)
    -36.8%
    5Y CAGR (ann.)
    N/A
    All-Time CAGR
    -0.3%

    Valuation

    PE Ratio
    12.77
    Forward PE
    11.94
    PEG Ratio
    12.41
    Forward PEG
    0.27
    PS Ratio
    0.83
    Forward PS
    0.80
    PB Ratio
    0.84
    P/FCF Ratio
    5.28
    P/Adj. FCF Ratio
    5.80
    P/OCF Ratio
    -0.12
    EV/Sales
    0.67
    EV/EBIT
    7.26
    EV/EBITDA
    6.11
    EV/FCF
    4.22
    Earnings Yield
    7.8%
    FCF Yield
    18.9%
    Adj. FCF Yield
    17.2%

    Financial Health

    Net Cash
    $33.66M
    Total Debt
    $0
    Cash & Short-Term Investments
    $33.66M
    Total Assets
    $925.31M
    Current Ratio
    0.01
    Quick Ratio
    0.01
    Debt / Equity Ratio
    0.00
    Debt / EBITDA
    0.00
    Debt / FCF
    0.00
    OCF / Debt
    N/A
    Interest Coverage
    0.85
    Altman Z-Score
    -0.26
    Piotroski F-Score
    2

    Margins & Profitability

    Gross Profit Margin
    57.7%
    Operating Profit Margin
    9.2%
    EBITDA Margin
    10.9%
    Net Profit Margin
    6.8%
    FCF Margin
    15.8%
    Adj. FCF Margin
    14.3%
    SBC / Revenue
    1.4%
    SBC Impact (per share)
    -9.0%

    Returns

    Return on Assets
    1.5%
    Return on Equity
    7.0%
    Return on Invested Capital
    6.0%
    Return on Capital Employed
    8.1%
    Return on Tangible Assets
    1.5%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    34.6%
    Revenue CAGR 5Y
    34.3%
    Revenue CAGR 10Y
    N/A
    EPS CAGR 3Y
    -11.8%
    EPS CAGR 5Y
    -9.3%
    EPS CAGR 10Y
    N/A
    FCF CAGR 3Y
    69.3%
    FCF CAGR 5Y
    -135.6%
    FCF CAGR 10Y
    N/A

    Analyst Forecasts

    Analyst Rating
    Buy
    Analyst Count
    2
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Nov 3, 2026
    EPS Estimate (next Q)
    $0.21
    EPS Growth Est (next Q)
    -38.2%
    Revenue Est (next Q)
    $41.62M
    Revenue Growth Est (next Q)
    14.3%

    Fair Value Estimates

    Graham Number
    $18.11
    Graham Upside
    47.7%
    Lynch Fair Value
    $4.80
    Lynch Upside
    -60.9%
    Price Target
    $16
    Price Target Upside
    30.5%

    Cash Flow

    Operating Cash Flow
    $31.24M
    Free Cash Flow
    $31.83M
    Adj. Free Cash Flow
    $28.95M
    FCF Per Share
    -$101.37
    OCF Per Share
    -$101.41
    OCF/S Ratio
    -658.2%

    Income Statement

    Revenue
    $202.03M
    Gross Profit
    $116.55M
    Operating Income
    $18.5M
    EBITDA
    $22M
    Net Income
    $13.67M
    EPS (Diluted)
    $0.96
    Revenue / Employee
    $1.02M
    Profit / Employee
    $69.06K
    Employees
    198

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