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    Finwise Bancorp (FINW)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $10.75
    +0.01 (+0.09%)

    Market Cap: $149.10M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    60%(12/20)
    Avg Surprise
    +7.52%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.19
    Range$0.16 - $0.21
    3 analysts
    EPS RevisionsNo revisions (7d)
    0
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.34-44.1%
    60d ago$0.34-44.1%
    30d ago$0.190.0%
    7d ago$0.190.0%
    Current$0.19
    Revenue Consensus
    $42M
    Range$38M - $46M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$-0.04
    Range$-0.14 - $0.05
    3 analysts
    Revenue Consensus
    $45M
    Range$36M - $51M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$-0.04---
    Sep 26EST
    		-$0.19---
    Jun 26
    Reported Jul 29
    		$0.15$0.24-37.50%Miss-48.3%
    Mar 26
    Reported Apr 30
    		$0.20$0.32-37.50%Miss-13.0%
    Dec 25
    Reported Jan 29
    		$0.27$0.35-22.86%Miss+35.0%
    Sep 25
    Reported Oct 29
    		$0.34$0.30+13.33%Beat+36.0%
    Jun 25
    Reported Jul 24
    		$0.29$0.23+26.09%Beat+20.8%
    Mar 25
    Reported Apr 30
    		$0.23$0.26-11.54%Miss-8.0%
    Dec 24
    Reported Jan 30
    		$0.20$0.20+0.00%Beat-37.5%
    Sep 24
    Reported Oct 24
    		$0.25$0.21+19.05%Beat-32.4%
    Jun 24
    Reported Jul 25
    		$0.24$0.19+26.32%Beat-31.4%
    Mar 24
    Reported Apr 29
    		$0.25$0.23+8.70%Beat-13.8%
    Dec 23
    Reported Jan 29
    		$0.32$0.31+3.23%Beat-34.7%
    Sep 23
    Reported Oct 26
    		$0.37$0.24+54.17%Beat+37.0%
    Jun 23
    Reported Jul 27
    		$0.35$0.18+94.44%Beat-14.6%
    Mar 23
    Reported Apr 27
    		$0.29$0.31-6.45%Miss-61.8%
    Dec 22
    Reported Feb 22
    		$0.49$0.43+13.95%Beat-50.5%
    Sep 22
    Reported Oct 26
    		$0.27$0.36-25.00%Miss-50.0%
    Jun 22
    Reported Jul 27
    		$0.41$0.57-28.07%Miss-4.7%
    Mar 22
    Reported Apr 28
    		$0.76$0.61+24.59%Beat+100.0%
    Dec 21
    Reported Feb 23
    		$0.99$0.56+76.79%Beat+67.3%
    Sep 21
    Reported Nov 16
    		$0.54$0.92-41.30%Miss+161.2%
    Jun 21
    Reported Aug 4
    		$0.43$0.00N/ABeat-
    Mar 21
    Reported Jun 25
    		$0.38$0.00N/ABeat-
    Dec 20
    Reported Mar 31
    		$0.59$0.00N/ABeat-
    Dec 19
    Reported Mar 31
    		$0.21$0.00N/ABeat-

    Key Metrics

    Valuation
    P/E Ratio11.20EV/EBITDA5.81x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin11.70%Operating Margin8.85%
    ROE7.17%ROICN/A
    Financial Health
    Debt/Equity0.00xInterest Coverage0.85x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.73Avg Volume37.49K
    52-Week High$19.8652-Week Low$10.67

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$10.91
    SMA 20$11.23
    SMA 50$12.76
    SMA 200$14.91
    EMA 10$10.96
    EMA 20$11.37
    EMA 50$12.35
    EMA 200$14.38

    MACD

    Line: -0.58Signal: -0.63Hist: 0.04

    ADX

    ADX: 54.4+DI: 6.7-DI: 26.6

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down96.0
    PSAR$11.33

    Bollinger Bands

    Upper Band$12.19
    Lower Band$10.27
    %B Position1709%(Upper)
    Band Width0.25

    RSI (14-Day)

    Oversold
    21.1

    Momentum Oscillators

    Stoch %K9.4
    Stoch %D10.1
    Williams %R-89.9
    ROC (10d)-3.9%
    Momentum-0.44
    CCI (20d)-87.8
    MFI (14d)29.2

    Volatility Measures

    ATR (14d)$0.36(3.4%)
    StdDev (20d)0.48
    Hist Vol20.6%(Moderate)

    Volume Flow

    VWAP$10.80
    OBV789.9K
    AD Line-751.8K
    CMF (20d)-0.174

    Volume Metrics

    Avg Vol (20d)37.7K
    Vol Ratio0.6x
    VWMA (20d)$11.37

    Pivot Points

    R3$11.03
    R2$10.95
    R1$10.84
    Pivot Point$10.76
    S1$10.65
    S2$10.57
    S3$10.46

    Advanced Oscillators

    TSI-59.28
    Ultimate Osc40.2
    KST-168.41

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$54.34M$42.72M$46.85M$36.66M$25.07M$22.09M$21.13M$20.82M$19.78M$19.67M$21.12M$19.30M
    Cost of RevenueN/A$16.03M$23.38M$18.16M$9.74M$7.59M$7.71M$6.32M$6.19M$6.79M$6.89M$5.87M
    Gross ProfitN/A$32.14M$29.14M$23.61M$20.34M$18.75M$17.88M$18.66M$17.40M$16.51M$17.79M$16.23M
    Operating Expenses$28.86M$28.34M$23.65M$17.45M$14.91M$14.32M$13.56M$14.05M$13.22M$12.01M$12.10M$9.73M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$3.80M$5.49M$6.41M$5.43M$4.44M$3.69M$4.61M$4.18M$4.51M$5.81M$6.50M
    Interest Income$33.98M$33.54M$30.23M$23.97M$19.74M$18.54M$19.36M$18.92M$18.42M$17.64M$18.05M$17.21M
    Interest Expense$5.23M$5.45M$5.67M$5.36M$5.01M$4.26M$3.83M$4.16M$3.81M$3.64M$3.69M$2.80M
    Income Before Tax$2.80M$3.80M$5.49M$6.41M$5.43M$4.44M$3.69M$4.61M$4.18M$4.51M$5.81M$6.50M
    Income Tax Expense$672,000$1.06M$1.57M$1.52M$1.33M$1.25M$898,000$1.16M$998,000$1.19M$1.66M$1.70M
    Net Income$2.13M$2.73M$3.91M$4.89M$4.10M$3.19M$2.79M$3.45M$3.18M$3.31M$4.16M$4.80M
    EBITDA$4.02M$4.94M$6.70M$7.56M$6.54M$5.80M$4.82M$6.12M$5.74M$5.58M$6.78M$7.70M
    EBIT$2.80M$3.80M$5.49M$6.41M$5.43M$4.44M$3.69M$4.61M$4.18M$4.51M$5.81M$6.50M
    * Some calculated fields are derived from available data when not provided by source

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    FINW Valuation and Fair Value

    P/E
    11.2x
    EV/EBITDA
    5.8x
    P/B
    0.7x
    See GNG's fair value

    FINW Profitability: Margins, ROIC and FCF

    Operating margin
    8.8%
    Net margin
    11.7%
    ROE
    7.2%
    FCF margin
    -0.0%

    FINW Competitors

    CompanyTicker
    BankFinancial CorporationBFIN
    Andretti Acquisition Corp. II Class A Ordinary SharesPOLE
    Graf Global CorpGRAF
    Oxford Square Capital CorpOXSQ
    ATIF Holdings LimitedZBAI
    Bayfirst Financial CorpBAFN
    WhiteHorse FinanceWHF
    Lake Shore Bancorp IncLSBK

    Sector: Financial Services

    FINW Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    2
    Buy
    0
    Hold
    1
    Sell
    0
    Strong Sell
    0

    FINW Bull Case vs Bear Case

    Bull case

    • FINW grew quarterly revenue 55.7% year over year.

    Bear case

    • FINW beat EPS estimates in 37.5% of its last 8 reported quarters.

    FINW Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -6.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.19
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 3 down

    Frequently Asked Questions About FINW

    Does FINW pay dividends?

    Finwise Bancorp (FINW) does not currently pay a regular dividend.

    What is FINW's P/E ratio?

    Finwise Bancorp has a price-to-earnings (P/E) ratio of 11.20.

    What is FINW's market cap?

    Finwise Bancorp (FINW) has a market capitalization of $149.10M with a current stock price of $10.75.

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