Saturday 17 October 2026
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FinWise Bancorp
FINW Financial Banks Regional
FinWise Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $151.0 million, up 55.9% from fiscal 2024. In the quarter to June 2026, revenue grew 98.1%, EPS fell 48.4% and free cash flow fell 43.9%, each against the same quarter a year earlier.
10.73
0.02
−0.19%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | 11.90 | 8.20 | 7.61 | 8.72 | 13.49 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | 14.60 | 21.86 | 14.35 | 20.50 | 22.49 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | 95 | 116 | 146 | 162 | 196 | 198 | ||||
| Revenue/emp, $m | — | — | — | 0.00 | 0.46 | 0.70 | 0.61 | 0.53 | 0.49 | 0.76 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | 35 | 44 | 81 | 90 | 86 | 97 | 151 | ||||
| Gross margin, % | — | — | — | 95.85 | 96.00 | 98.44 | 98.40 | 88.40 | 84.06 | 86.56 | |||||
| EBT | — | — | — | 13 | 15 | 42 | 36 | 24 | 17 | 22 | |||||
| EBT margin, % | — | — | — | 36.39 | 34.50 | 52.13 | 40.15 | 27.69 | 17.54 | 14.41 | |||||
| Net income | — | — | — | 10 | 11 | 32 | 25 | 17 | 13 | 16 | |||||
| Depreciation | — | — | — | 0 | 1 | 1 | 2 | 4 | 5 | 5 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | 5.01 | 5.47 | 9.35 | 7.05 | 6.89 | 7.68 | 11.77 | ||||
| Earnings | — | — | — | 1.37 | 1.40 | 3.44 | 1.96 | 1.38 | 0.98 | 1.20 | |||||
| Cash flow | — | — | — | (1.12) | 2.44 | (1.06) | 4.80 | 0.98 | (1.19) | (2.22) | |||||
| Capex | — | — | — | (0.08) | (0.07) | (0.27) | (0.57) | (0.60) | (0.08) | 0.02 | |||||
| Free cash flow | — | — | — | (1.20) | 2.37 | (1.33) | 4.24 | 0.38 | (1.27) | (2.20) | |||||
| Book value | — | — | — | 4.70 | 5.72 | 13.32 | 11.03 | 12.42 | 13.77 | 15.06 | |||||
| Shares, m | — | — | — | 7 | 8 | 9 | 13 | 12 | 13 | 13 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | 4.61 | 4.61 | 3.86 | 4.46 | 10.65 | 16.31 | 14.95 | ||||
| P/S | — | — | — | 1.55 | 1.55 | 1.47 | 1.28 | 2.12 | 2.08 | 1.52 | |||||
| P/B | — | — | — | 1.52 | 1.52 | 1.04 | 0.82 | 1.18 | 1.16 | 1.19 | |||||
| EV/Sales | — | — | — | 0.58 | 0.58 | 0.43 | 0.16 | 0.76 | 0.95 | 0.44 | |||||
| EV/FCF | — | — | — | 3,019.38 | 3,019.38 | (3.01) | 0.27 | 13.61 | (5.79) | (2.37) | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | (8) | 20 | (9) | 61 | 12 | (15) | (28) | ||||
| Capex | — | — | — | (1) | (1) | (2) | (7) | (7) | (1) | 0 | |||||
| Free cash flow | — | — | — | (8) | 19 | (12) | 54 | 5 | (16) | (28) | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | (1) | 116 | 33 | 84 | 76 | 23 | (45) | ||||
| Total debt | — | — | — | — | 101 | 1 | 0 | 0 | 0 | — | |||||
| Net debt | — | — | — | (35) | 54 | (85) | (100) | (117) | (109) | (163) | |||||
| Shareholders’ equity | — | — | — | 33 | 46 | 115 | 140 | 155 | 174 | 193 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | 3.89 | 4.19 | 8.54 | 6.43 | 3.48 | 1.85 | 1.79 | ||||
| ROIC | — | — | — | 0.00 | 9.51 | 87.58 | 58.70 | 38.89 | 16.43 | 45.65 | |||||
| ROE | — | — | — | 24.41 | 26.24 | 36.95 | 19.63 | 11.62 | 7.51 | 8.39 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
FinWise Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| MNSB MainStreet Bank | $172.8M | 11.8× | 10.9× | −6.70% (below 0%: shrinking) | +9.43% (above 0%: growing) | +286.64% (above 0%: growing) | 57.99% | 0.00% | Compare |
| BAFN BayFirst Financial Corp. | $170.8M | — (loss-making) | — | −70.88% (below 0%: shrinking) | n/m | −99.45% (below 0%: shrinking) | 27.34% | 0.00% | Compare |
| HNVR Hanover Bancorp, Inc. | $170.6M | 19.0× | 11.2× | −2.10% (below 0%: shrinking) | +66.67% (above 0%: growing) | +972.77% (above 0%: growing) | 56.13% | 0.00% | Compare |
| EBMT Eagle Bancorp Montana, Inc. | $164.7M | 10.2× | 11.3× | −1.03% (below 0%: shrinking) | +11.90% (above 0%: growing) | −301.01% (below 0%: shrinking) | 76.37% | 0.00% | Compare |
| FINW FinWise Bancorp | $149.2M | 10.5× | 13.1× | +98.06% (above 0%: growing) | −48.39% (below 0%: shrinking) | −43.89% (below 0%: shrinking) | 91.22% | 0.00% | |
| LSBK Lake Shore Bancorp, Inc. | $142.3M | 16.1× | — | +2.32% (above 0%: growing) | +16.05% (above 0%: growing) | +60.67% (above 0%: growing) | 75.39% | 0.00% | Compare |
| HYNE Hoyne Bancorp, Inc. | $136.0M | — | — | +11.37% (above 0%: growing) | — | −140.80% (below 0%: shrinking) | 83.07% | 0.00% | Compare |
| FGBI First Guaranty Bancshares, Inc. | $135.0M | — (loss-making) | 24.3× | −5.84% (below 0%: shrinking) | n/m | +17.37% (above 0%: growing) | 45.46% | 0.00% | Compare |
| SRBK SR Bancorp, Inc. | $133.4M | 41.0× | 20.3× | −1.47% (below 0%: shrinking) | −51.91% (below 0%: shrinking) | +141.06% (above 0%: growing) | 63.94% | 0.00% | Compare |
| Median of peers | $153.5M | 16.1× | 11.3× | −1.78% | +11.90% | +39.02% | 60.97% | 0.00% |
FinWise Bancorp (FINW) key facts
- Strength: FinWise Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $151.0 million, up 55.9% from fiscal 2024.
- FinWise Bancorp (FINW) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, FINW traded at $10.73, a market capitalization of $149.2 million.
- Return on equity was 8.39% and debt-to-equity 0.00.
- Its Piotroski F-score is 4 out of 9 for fiscal 2025.
FinWise Bancorp (FINW) Latest News
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