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FinWise Bancorp (FINW) Fair Value & Analysis

Financial Services · US · Market cap $194M

Price$14.55
Fair Value$15.26
Upside+4.9%
Quality95/100
Evidence: High Range $11.45 – $19.08

Fair value as of: Jun 26, 2026

Analysis

FinWise Bancorp (FINW) currently trades at $14.55, while our model-based Fair Value estimate is $15.26 — implying the stock looks roughly 4.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 …

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Frequently asked questions

Is FinWise Bancorp (FINW) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $15.26 versus a price of $14.55 — about +5% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FINW?
Our 21-model fair value for FinWise Bancorp is $15.26 (as of Jun 26, 2026), built from audited fundamentals. The current price is $14.55.
What is the quality score of FINW?
FinWise Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.