EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Finwise Bancorp (FINW) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Finwise Bancorp $11.34, price $11.39, upside -0.4%, quality 35 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US31813A1097

FB Finwise Bancorp logo Some data Sep 23, 2026

Finwise Bancorp

FINW · US

Low PriorityFair Value upside is limited and quality is weak.

·Fair value $11.34 · Fairly valued (0%)
!Quality 35/100
!Expensive Growth (revenue 5y +28.1 %/yr)
✓Solidly profitable · 14.8% net margin (TTM)
!Low debt · negative free cash flow
✓Ranks above peers (8/12)
!Narrow moat 43/100
!Evidence only medium, so the estimate is less certain
Watch Finwise Bancorp for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card. Watch for free Pro now: $1 first month

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$22.49 $7.77 Fair Value $11.34 Nov 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

58‑month range $7.77 – $22.49 · fair‑value band $10.87 – $13.84 · the $11.39 price screens above the $11.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

Follow Finwise Bancorp in your weekly email

Every Wednesday you see whether Finwise Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

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.

Show more

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.

Stock analysis

Finwise Bancorp (FINW) currently trades at $11.39, while our model-based Fair Value estimate is $11.34, implying the stock looks roughly 0.4% fairly valued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $15.26 per share, and 2 of the 4 models we run sit above the $11.39 price.

Bear case: the Asset-Based group reads lowest at $9.44, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.87 (bear) to $13.84 (bull), the price of $11.39 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Finwise Bancorp reported revenue of $151M in FY2025 versus $81.1M in FY2021, a compound +16.8%/yr. Reported net income was $16.1M in FY2025, compounding −15.5%/yr from FY2021.

Key figures

Market cap $194M · P/E ratio 10.4 · P/S ratio 1.10 · EPS (TTM) $1.10 · Net margin 10.7% · Return on equity 8.4% · Return on assets (EBIT) 5.7% · Operating margin 11.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 45% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 0%, FINW screens cheaper than that median.

Fair Value models

Bear $10.87 Fair Value $11.34 Bull $13.84
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8077 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $10.64 $11.00 $11.13 71
P/E Multiple $11.45 $15.26 $19.08 63
P/B Multiple $14.80 $19.73 $24.67 55
All 4 models by family
Multiples
P/E Multiple $11.45 $15.26 $19.08 63
P/B Multiple $14.80 $19.73 $24.67 55
Asset-Based
NCAV (Graham) $7.05 $9.44 $14.10 54
Economic Profit
Residual Income $10.64 $11.00 $11.13 71

Open the full fair value analysis →

Notify me when FINW reaches fair value

Put FINW on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 35/100

Of which business quality 37 · Market factors (momentum, volatility) 26

Profitability 27
Margins and returns on capital today
Quality Growth 42
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 56
Balance sheet, leverage, solvency risk
Investment 45
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 9
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 66
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+54.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.1%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+3.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.35% → 14%

Watch FINW, get fair value alerts →

Compare Finwise Bancorp with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks

Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside 0% · Above median
Profitability
Return on equity (TTM) 8% · Below median
Return on assets 2% · Top 25%
Net margin (TTM) 15% · Bottom 25%
Operating margin (TTM) 12% · Bottom 25%
Growth and dividend
Revenue growth 71% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 10.4× · Cheaper than median
P/B 1.01× · Cheaper than median
P/S (TTM) 1.84× · Cheapest 25%
EV/EBITDA 1.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 11
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)33 · sector 41
HEALTH (low debt)100 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorFama-French ModelIntrinsic Value
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Finwise Bancorp · Fair Value
$11.34 −0%Fair Value
Calculator →

Cite: Fair Value Calculator (2026). "Finwise Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/FINW

Frequently asked questions

Is Finwise Bancorp (FINW) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $11.34 versus a price of $11.39, about −0% upside (fairly valued).
What is the fair value of FINW?
Our model-based fair value for Finwise Bancorp is $11.34 (as of Sep 23, 2026), built from audited fundamentals. The current price: $11.39.
What is the quality score of FINW?
Finwise Bancorp has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Finwise Bancorp (FINW)?
Our model-based price target is the fair value of $11.34 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $10.87, optimistic scenario $13.84. It is a calculation from audited fundamentals, not an analyst target.
What is the Finwise Bancorp stock forecast for 2026?
Our models put fair value at $11.34, about −0% upside versus a price of $11.39 (fairly valued). Cautious scenario $10.87, optimistic scenario $13.84. The calculation is refreshed regularly with new filings.
What is the revenue of Finwise Bancorp (FINW)?
Finwise Bancorp reported trailing-twelve-month revenue of about $105M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Finwise Bancorp (FINW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Finwise Bancorp it is $11.34 per share (as of Sep 23, 2026), against a price of $11.39. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Finwise Bancorp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FINW trades above its calculated fair value: price $11.39, fair value $11.34, a gap of about −0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FINW?
No. The price is what the market pays today ($11.39); the fair value is what the company's own numbers justify ($11.34). For Finwise Bancorp the two are $0.0500 per share apart. That gap is exactly why we show both numbers side by side.
How much is Finwise Bancorp worth?
The market values Finwise Bancorp at about $194M (market capitalisation, as of Sep 23, 2026). Per share that is $11.39; our models calculate a fair value of $11.34 per share.
What do the bullish and bearish scenarios say about FINW?
Our models span a range for Finwise Bancorp: cautious scenario $10.87, base $11.34, optimistic $13.84 per share (as of Sep 23, 2026, price $11.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FINW?
Finwise Bancorp trades at a price-to-earnings ratio of 10.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.34 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.5 (reported 9.6). Other multiples: P/B 1.0, P/S 1.8, EV/EBITDA 1.2.
How solid is the balance sheet of Finwise Bancorp (FINW)?
Balance-sheet figures for Finwise Bancorp (as of Sep 23, 2026): return on equity 8.4%. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is FINW from its 52-week high?
Finwise Bancorp trades at $11.39, about 45% below its 52-week high of $20.89 and at the low of $11.39 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $11.34 is for.
Which stocks are comparable to Finwise Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Finwise Bancorp stock attractive at the current price?
The data as of Sep 23, 2026: price $11.39, calculated fair value $11.34 (−0%), Quality Score 35/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FINW calculated?
We run Finwise Bancorp through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.34, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Finwise Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Finwise Bancorp (FINW)?
The closing price on Sep 23, 2026 was $11.39. Our model-based fair value is $11.34, about −0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Finwise Bancorp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Finwise Bancorp

How large is the market capitalisation of Finwise Bancorp (FINW)?
The market capitalisation of Finwise Bancorp is $194M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Finwise Bancorp (FINW)?
The price-to-sales ratio of Finwise Bancorp is 1.10 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Finwise Bancorp (FINW)?
Earnings per share at Finwise Bancorp are $1.10 (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Finwise Bancorp (FINW)?
The net margin of Finwise Bancorp is 10.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Finwise Bancorp (FINW)?
The return on equity (ROE) of Finwise Bancorp is 8.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Finwise Bancorp (FINW)?
On an EBIT basis the return on assets of Finwise Bancorp is 5.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Finwise Bancorp (FINW)?
The operating margin of Finwise Bancorp is 11.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Finwise Bancorp (FINW)?
Revenue at Finwise Bancorp is growing +71.4% versus a year earlier (3y avg +18.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Finwise Bancorp (FINW)?
Earnings per share at Finwise Bancorp are growing −13.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Finwise Bancorp (FINW) generate?
The free cash flow of Finwise Bancorp is −$34.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Finwise Bancorp (FINW) hold?
Finwise Bancorp holds more cash than debt, $159M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Finwise Bancorp in the live analysis

One click puts Finwise Bancorp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.