FinWise Bancorp (FINW)

FinWise Bancorp Statistics

Total Valuation

FinWise Bancorp has a market cap or net worth of $243.67 million. The enterprise value is $158.52 million.

Market Cap	243.67M
Enterprise Value	158.52M

Important Dates

The last earnings date was Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	n/a

Share Statistics

FinWise Bancorp has 13.47 million shares outstanding. The number of shares has increased by 4.11% in one year.

Current Share Class	13.47M
Shares Outstanding	13.47M
Shares Change (YoY)	+4.11%
Shares Change (QoQ)	-0.08%
Owned by Insiders (%)	34.81%
Owned by Institutions (%)	28.82%
Float	8.78M

Valuation Ratios

The trailing PE ratio is 18.84 and the forward PE ratio is 13.37.

PE Ratio	18.84
Forward PE	13.37
PS Ratio	3.05
Forward PS	2.11
PB Ratio	1.34
P/TBV Ratio	1.34
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.38
EV / Sales	2.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.78%.

Return on Equity (ROE)	7.78%
Return on Assets (ROA)	1.85%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$384,321
Profits Per Employee	$71,056
Employee Count	196
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FinWise Bancorp has paid $4.63 million in taxes.

Income Tax	4.63M
Effective Tax Rate	25.50%

Stock Price Statistics

The stock price has increased by +52.79% in the last 52 weeks. The beta is 0.82, so FinWise Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+52.79%
50-Day Moving Average	15.55
200-Day Moving Average	16.58
Relative Strength Index (RSI)	69.26
Average Volume (20 Days)	19,725

Short Selling Information

The latest short interest is 224,786, so 1.67% of the outstanding shares have been sold short.

Short Interest	224,786
Short Previous Month	213,603
Short % of Shares Out	1.67%
Short % of Float	2.56%
Short Ratio (days to cover)	2.90

Income Statement

In the last 12 months, FinWise Bancorp had revenue of $75.33 million and earned $13.93 million in profits. Earnings per share was $0.96.

Revenue	75.33M
Gross Profit	75.33M
Operating Income	18.49M
Pretax Income	23.10M
Net Income	13.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.96

Balance Sheet

The company has $90.10 million in cash and $4.96 million in debt, giving a net cash position of $85.15 million or $6.32 per share.

Cash & Cash Equivalents	90.10M
Total Debt	4.96M
Net Cash	85.15M
Net Cash Per Share	$6.32
Equity (Book Value)	181.96M
Book Value Per Share	13.51
Working Capital	-395.06M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.55%
Pretax Margin	24.11%
Profit Margin	17.97%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

FinWise Bancorp does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-4.11%
Shareholder Yield	-4.11%
Earnings Yield	5.72%
FCF Yield	n/a

Analyst Forecast

The average price target for FinWise Bancorp is $20.75, which is 13.26% higher than the current price. The consensus rating is "Buy".

Price Target	$20.75
Price Target Difference	13.26%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2