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FinWise Bancorp

FINW
53
Banks - Regional · Financial Services
Price
$13.89
-0.05 (-0.36%)
Market Cap
$190.4M
Exchange
NASDAQ
Winston Score
53
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 13, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Mixed
Capital Strength
Exceptional
Asset Quality
Weak
Valuation
Good
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Share count rising — dilution

+48.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 9.1M (2021) → 13.6M (2025)

Winston Score History

The full picture

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+98.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-48.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

31.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$847M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

FinWise Bancorp grew revenue 98% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on Equity
9.0%
no trend
Below its cost of capital — 9.0%

Standard mid-range return on equity. Acceptable.

Net Interest Margin
13.26%
no trend
Wide spread — 13.26% net interest margin
Efficiency Ratio
63.7%
no trend
Average — 63.7% efficiency ratio

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Growth

Sales YoY
+88.8%
Fast-growing sales (+88.8% YoY)
EPS YoY
+1.0%
Flat earnings

Single-digit earnings growth — steady but not exciting.

EPS Consistency
3/8 quarters
Earnings rarely grow — volatile business

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Capital Strength

Capital Ratio
16.8%
no trend
Very well capitalised — 16.8% Tier-1 leverage

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Non-Performing Loans
7.00%
no trend
Severe credit stress — 7.00% non-performing

More than 3% of loans are going bad. That is a high level of loan stress.

Net Charge-Offs
5.20%
no trend
Heavy losses — 5.20% net charge-offs

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Valuation

P/E Ratio (TTM)
13.5x
Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
-2.7
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.
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