FINW logo

FINWISE BANCORP

FINWNASDAQ
πŸ† #3854 by market capUS Equity
$204.83β–² $17.43 (+8.51%)
Simulated price
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🏦Market Cap
$157M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+9.4%
Slowing
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
36.6%
Strong
βš–οΈP/S Ratio
1.8x
Cheap
Otter Score
84
Good
No chart data available for FINW.

Trading Snapshot

Day Range
$202.88 – $206.34
52-Week Range
$10.79 – $21.15
Volume
$3.55B
Avg Volume
$2.93B
Shares Outstanding
13.7M
Next Earnings
Oct 20, 2026

Fundamentals Snapshot

Annual Revenue
$151M
Last Q Revenue
$60M
P/E Ratio
10.0
P/S Ratio
1.8x
EPS (TTM)
$1.15
Dividend Yield
β€”
Dilution (1yr)
+1.8%

Why Investors Own FINW

  • βœ“High-growth profile β€” revenue up +38.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 65% gross margin and 11% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FINW logo

FINWISE BANCORP

FINW
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$151Mβ–² +54.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.0%β–Ό βˆ’15.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$22Mβ–² +28.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$34Mβ–² +71.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
13.6Mβ–² +1.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$159Mβ–² +$58M YoY
StockOtter Β· stockotter.space

About FINWISE BANCORP

FinWise Bancorp, the parent company of FinWise Bank, delivers a comprehensive suite of banking solutions to both personal and business clients. Its diverse range of deposit offerings includes demand accounts (both interest and non-interest bearing), Negotiable Order of Withdrawal (NOW) accounts, money market accounts, standard checking and savings options, as well as various time deposits and Certificates of Deposit. The institution also extends a variety of lending products, encompassing Small Business Administration (SBA) loans, financing for residential and commercial real estate, consumer loans, and other commercial credit facilities. Beyond traditional banking, FinWise provides modern conveniences such as debit cards, remote check deposit, digital and mobile banking platforms, direct deposit capabilities, alongside specialized cash management and treasury services. Operationally, the company maintains a single full-service branch in Sandy, Utah, complemented by a loan origination office situated in Rockville Centre, New York. Established in 1999, FinWise Bancorp's corporate headquarters are located in Murray, Utah.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$203.66
β–Ό βˆ’0.6% Downside
High Target$253.56
Low Target$161.57
Based on 23 analysts

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