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FinWise Bancorp(NASDAQ) FINW

Market Cap$193.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)+10%
5 YearN/A
1 Year-19%
1 Month-4%
$14.10
+1%
+0.14Today
FinWise Bancorp last closing stock price
MetricPriceDate
Last closeUSD 14.102026-07-29
FinWise Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.91%USD 13.572026-07-22
1 month-3.89%USD 14.672026-06-29
3 month-9.32%USD 15.552026-04-30
Year to date-21.4%USD 17.942025-12-31
1 year-19.34%USD 17.482025-07-29
3 year+48.26%USD 9.512023-07-28
Since inception+9.66%USD 12.732021-11-19

FinWise Bancorp Financials at a Glance

Market Cap

$193.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$176.43M

Net Income (TTM)

$13.67M

EPS (TTM)

$1.11

P/E Ratio

12.75

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$14.10

Volume

12,634

Open

$14.08

Previous Close

$14.10

Daily Range

$13.93 - $14.19

52-Week Range

$12.82 - $22.49

Estimated Earnings Date

Jul 29, 2026

FINW News

banking, bank teller, cash

What Is a Community Bank? Overview and Example

Frank BassSep 13, 2025
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FinWise Bancorp Posts Q2 EPS Beat

Motley Fool Markets TeamJul 25, 2025

FINW: Motley Fool Moneyball Superscore

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About FinWise Bancorp

FinWise helps people and businesses manage money and get loans. Its online banking and lending services make payments and borrowing easier. Small businesses use FinWise for loans, while consumers use it for savings and payments.

Products and Services

  • Deposit Accounts: Checking, savings, and time deposits for individuals and businesses.
  • Small Business Loans: SBA 7(a) loans for small businesses nationwide (35.1% of loan portfolio in 2025).
  • Fintech Lending Partnerships: Loans and payment services through fintech partners (Strategic Programs; 50.4% of revenue in 2025).
  • Consumer Loans: Point-of-sale and personal loans for individuals (3.8% of loan portfolio in 2025).
  • Cash Management: Online banking, debit cards, and treasury services for businesses and individuals.

Growth and Expansion

  • Formed new fintech partnerships in 2025 with Backd Business Funding, DreamFi, and Tallied Technologies.
  • Expanded credit-enhanced loan programs in 2025, growing balances from $0.9M to $108.1M.
  • Launched new payment and card processing solutions, including MoneyRails and Mastercard co-branded cards in 2025.
  • Continued investment in technology and data analytics to support compliance and growth.

What Makes FinWise Stand Out

FinWise operates nationwide with only one branch, using digital channels and fintech partnerships. Its technology-driven model allows high-volume lending and fee income. The company manages risk by sharing credit losses with fintech partners and maintaining a diverse loan portfolio.

Five Things You Need to Know

  • Revenue was $53 million in Q4 2025, up 105.2% from Q4 2024.
  • Strategic Programs made up 50.4% of total revenue in 2025.
  • Total deposits reached $754.6 million at year-end 2025, up 38.5% year-over-year.
  • Net income was $16.1 million in 2025, up 26.4% from 2024.
  • Allowance for credit losses rose to $36.8 million in 2025, up from $13.2 million in 2024.

Bottom Line

FinWise has grown by partnering with fintechs and expanding digital services. Its adaptable model and focus on risk management support continued diversification and national reach.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

198

CEO

Kent Landvatter, MBA

Website

www.finwisebancorp.com

Headquarters

Murray, UT 84107, US

FINW Financials

Key Financial Metrics (TTM)

Gross Margin

48.11%

Operating Margin

8.90%

Net Income Margin

7.75%

Return on Equity

7.04%

Return on Capital

11.01%

Return on Assets

1.48%

Earnings Yield

7.84%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$193.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

13.71M

Volume

12.63K

Avg. Volume

30.88K

Financials (TTM)

Gross Profit

$84.89M

Operating Income

$15.70M

EBITDA

$19.20M

Operating Cash Flow

$31.24M

Capital Expenditure

$567.00K

Free Cash Flow

$31.83M

Cash & ST Invst.

$33.66M

Total Debt

$0.00

FinWise Bancorp Performance Analysis

FinWise Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 86,887,00014.1%
20232023-12-31USD 86,590,000-0.3%
20242024-12-31USD 97,462,00012.6%
20252025-12-31USD 149,661,00053.6%
FinWise Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3038.9%
Q42025-12-3125.7%
Q12026-03-31-8.3%
Q22026-06-30-29.5%
FinWise Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.87-43.0%
20232023-12-31USD 1.33-28.7%
20242024-12-31USD 0.93-29.8%
20252025-12-31USD 1.1321.5%
FinWise Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3017.2%
Q42025-12-31-20.6%
Q12026-03-31-25.9%
Q22026-06-30-25.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$33.98M

+13.0%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

$193.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$976.03K

N/A

Employees

198

N/A

Net Income

$2.13M

-48.0%

EBITDA

$0.00

-100.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$33.66M

-62.6%

Total Debt

$0.00

-100.0%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.48%

N/A

Return on Invested Capital

1.70%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

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Questions About FINW

What is the current price of FinWise Bancorp?

FinWise Bancorp is trading at $14.10 per share.

What is the 52-week range for FinWise Bancorp?

Over the past 52 weeks, FinWise Bancorp has traded between $12.82 and $22.49.

How much debt does FinWise Bancorp have?

As of the most recent reporting period, FinWise Bancorp reported total debt of $0.00.

How much cash does FinWise Bancorp have on hand?

FinWise Bancorp does not have cash on hand data available.

What is FinWise Bancorp’s dividend yield?

FinWise Bancorp does not currently have a dividend yield.

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