FINW
FinWise Bancorp
Price Chart
Latest Quote
$14.06
-0.12 (-0.85%)
Current Price
| Previous Close | $14.18 |
| Open | $14.26 |
| Day High | $14.26 |
| Day Low | $14.06 |
| Volume | 8,177 |
Stock Information
| Shares Outstanding | 13.71M |
| Total Debt | $4.34M |
| Cash Equivalents | $92.85M |
| Revenue | $105.47M |
| Net Income | $15.03M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $192.71M |
| P/E Ratio | 12.78 |
| EPS (TTM) | $1.10 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $104.20M |
| Sales | $105.47M |
| Income | $15.03M |
| Book/sh | $14.34 |
| Cash/sh | $6.77 |
| Employees | 210 |
Financial Ratios
| EPS Growth TTM | -14.20% |
Returns & Margins
| ROA | 1.84% |
| ROE | 8.36% |
| Operating Margin | 11.82% |
| Profit Margin | 14.82% |
Ownership
| Insider Ownership | 30.45% |
| Institutional Ownership | 28.97% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.90 |
| P/S | 1.83 |
| P/B | 0.98 |
Analyst Data
| Recommendation | none |
| Target Price | $19.00 |
Technical Indicators
| SMA20 | $14.31 |
| SMA50 | $14.70 |
| SMA200 | $17.11 |
| RSI | 49.71 |
| ATR | 0.4344 |
| Shares Float | 9.34M |
| Short Float | 0.86% |
| Short Ratio | 3.48 |
| Volatility | 0.70 |
| Rel Volume | 0.38 |
Performance History
| Week | -4.48% |
| Month | +3.92% |
| Quarter | -8.04% |
| 6 Months | -22.28% |
| YTD | -19.38% |
| Year | -0.35% |
| 3 Years | +58.16% |
| 10 Years | +10.45% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $14.06 | 8,300 |
| 2026-06-18 | $14.18 | 52,700 |
| 2026-06-17 | $13.79 | 21,000 |
| 2026-06-16 | $14.37 | 10,900 |
| 2026-06-15 | $14.31 | 7,000 |
| 2026-06-12 | $14.72 | 12,300 |
| 2026-06-11 | $14.71 | 7,400 |
| 2026-06-10 | $14.67 | 26,700 |
| 2026-06-09 | $14.73 | 10,700 |
| 2026-06-08 | $14.39 | 5,800 |
| 2026-06-05 | $14.66 | 12,100 |
| 2026-06-04 | $14.42 | 25,900 |
| 2026-06-03 | $14.12 | 28,100 |
| 2026-06-02 | $14.44 | 11,200 |
| 2026-06-01 | $14.08 | 19,400 |
| 2026-05-29 | $14.38 | 18,800 |
| 2026-05-28 | $14.24 | 37,900 |
| 2026-05-27 | $14.00 | 40,500 |
| 2026-05-26 | $14.00 | 47,800 |
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company operates in three segments: Traditional Banking; BaaS and Treasury; and Administration. The company provides various deposit products, including interest and noninterest-bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It offers loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. The company was formerly known as All West Bancorp. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
đ° Latest News
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $129,366,000 | $82,022,000 | $76,615,000 | $88,784,000 |
| Operating Revenue | $129,366,000 | $82,022,000 | $76,615,000 | $88,784,000 |
| Expenses | ||||
| Interest Expense | $20,295,000 | $15,440,000 | $9,975,000 | $1,434,000 |
| General And Administrative Expense | $42,288,000 | $35,205,000 | $25,751,000 | $24,489,000 |
| Professional Expense And Contract Services Expense | $3,630,000 | $4,736,000 | $4,961,000 | $5,454,000 |
| Other Non Interest Expense | $22,538,000 | $10,715,000 | $6,540,000 | $4,881,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Net Interest Income | $72,183,000 | $58,912,000 | $54,559,000 | $50,895,000 |
| Interest Income | $92,478,000 | $74,352,000 | $64,534,000 | $52,329,000 |
| Normalized Income | $16,091,000 | $12,742,000 | $17,460,000 | $26,319,483 |
| Net Income From Continuing And Discontinued Operation | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Net Income Common Stockholders | $15,386,000 | $12,352,000 | $17,172,000 | $24,922,000 |
| Net Income | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Net Income Including Noncontrolling Interests | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Net Income Continuous Operations | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Pretax Income | $21,760,000 | $16,989,000 | $23,813,000 | $36,031,000 |
| Special Income Charges | - | - | $376,000 | $-1,728,000 |
| Per Share | ||||
| Diluted EPS | $1.13 | $0.93 | $1.33 | $1.87 |
| Basic EPS | $1.20 | $0.98 | $1.38 | $1.96 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-523,517 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $4,864,000 | $5,289,000 | $3,811,000 | $2,107,000 |
| Diluted Average Shares | $13,565,336 | $13,228,869 | $12,909,648 | $13,357,022 |
| Basic Average Shares | $12,828,016 | $12,612,455 | $12,488,564 | $12,729,898 |
| Diluted NI Availto Com Stockholders | $15,386,000 | $12,352,000 | $17,172,000 | $24,922,000 |
| Otherunder Preferred Stock Dividend | $705,000 | $390,000 | $288,000 | $193,000 |
| Tax Provision | $5,669,000 | $4,247,000 | $6,353,000 | $10,916,000 |
| Selling General And Administration | $42,288,000 | $35,205,000 | $25,751,000 | $24,489,000 |
| Insurance And Claims | $1,222,000 | $1,000 | - | - |
| Salaries And Wages | $42,288,000 | $35,205,000 | $25,751,000 | $24,489,000 |
| Occupancy And Equipment | $1,877,000 | $2,179,000 | $3,312,000 | $2,204,000 |
| Total Unusual Items | - | - | $376,000 | $-1,728,000 |
| Total Unusual Items Excluding Goodwill | - | - | $376,000 | $-1,728,000 |
| Write Off | - | - | $-376,000 | $1,728,000 |
| Gain On Sale Of Security | - | - | - | $-478,000 |
Fetched: 2026-06-23
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $193,195,000 | $173,720,000 | $155,056,000 | $140,459,000 |
| Total Assets | $977,135,000 | $745,976,000 | $586,221,000 | $400,780,000 |
| Receivables | $85,995,000 | $82,587,000 | $44,083,000 | $11,070,000 |
| Other Receivables | $82,288,000 | $79,021,000 | $40,510,000 | $9,252,000 |
| Accounts Receivable | $3,707,000 | $3,566,000 | $3,573,000 | $1,818,000 |
| Cash And Cash Equivalents | $163,400,000 | $109,162,000 | $116,975,000 | $100,567,000 |
| Cash Financial | $12,082,000 | $9,600,000 | $411,000 | $386,000 |
| Cash Cash Equivalents And Federal Funds Sold | $163,400,000 | $109,162,000 | $116,975,000 | $100,567,000 |
| Debt | ||||
| Total Debt | $4,408,000 | $5,302,000 | $6,486,000 | $7,334,000 |
| Long Term Debt And Capital Lease Obligation | $4,408,000 | $5,302,000 | $6,486,000 | $7,334,000 |
| Long Term Debt | - | $64,000 | $190,000 | $314,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $783,940,000 | $572,256,000 | $431,165,000 | $260,321,000 |
| Payables And Accrued Expenses | $3,469,000 | $5,917,000 | $2,492,000 | $1,131,000 |
| Payables | $3,469,000 | $5,917,000 | $2,492,000 | $1,131,000 |
| Total Tax Payable | $837,000 | $4,423,000 | $1,873,000 | $1,077,000 |
| Income Tax Payable | $837,000 | $4,423,000 | $1,873,000 | $1,077,000 |
| Accounts Payable | $2,632,000 | $1,494,000 | $619,000 | $54,000 |
| Non Current Deferred Liabilities | - | $899,000 | $748,000 | - |
| Non Current Deferred Taxes Liabilities | - | $899,000 | $748,000 | - |
| Equity | ||||
| Common Stock Equity | $193,195,000 | $173,720,000 | $155,056,000 | $140,459,000 |
| Total Equity Gross Minority Interest | $193,195,000 | $173,720,000 | $155,056,000 | $140,459,000 |
| Stockholders Equity | $193,195,000 | $173,720,000 | $155,056,000 | $140,459,000 |
| Gains Losses Not Affecting Retained Earnings | $26,000 | $187,000 | $0 | - |
| Other Equity Adjustments | $26,000 | $187,000 | - | - |
| Retained Earnings | $132,197,000 | $116,594,000 | $103,844,000 | $85,832,000 |
| Long Term Equity Investment | - | - | - | - |
| Other | ||||
| Ordinary Shares Number | $13,655,961 | $13,211,640 | $12,493,565 | $12,831,345 |
| Share Issued | $13,655,961 | $13,211,640 | $12,493,565 | $12,831,345 |
| Tangible Book Value | $193,195,000 | $173,720,000 | $155,056,000 | $140,459,000 |
| Capital Lease Obligations | $4,408,000 | $5,302,000 | $6,296,000 | $7,020,000 |
| Additional Paid In Capital | $60,958,000 | $56,926,000 | $51,200,000 | $54,614,000 |
| Capital Stock | $14,000 | $13,000 | $12,000 | $13,000 |
| Common Stock | $14,000 | $13,000 | $12,000 | $13,000 |
| Long Term Capital Lease Obligation | $4,408,000 | $5,302,000 | $6,296,000 | $7,020,000 |
| Investments And Advances | $9,000,000 | $50,195,000 | $19,588,000 | $19,092,000 |
| Available For Sale Securities | $9,000,000 | $7,700,000 | $4,200,000 | $4,800,000 |
| Net PPE | $18,078,000 | $17,288,000 | $18,923,000 | $14,519,000 |
| Accumulated Depreciation | $-8,789,000 | $-6,241,000 | $-3,821,000 | $-2,257,000 |
| Gross PPE | $26,867,000 | $23,529,000 | $22,744,000 | $16,776,000 |
| Leases | $3,699,000 | $3,700,000 | $3,700,000 | $3,720,000 |
| Construction In Progress | $250,000 | $605,000 | $2,153,000 | $1,514,000 |
| Other Properties | $20,253,000 | $16,438,000 | $13,593,000 | $7,844,000 |
| Machinery Furniture Equipment | $2,665,000 | $2,786,000 | $3,298,000 | $3,698,000 |
| Invested Capital | - | $173,784,000 | $155,246,000 | $140,773,000 |
| Total Capitalization | - | $173,784,000 | $155,246,000 | $140,773,000 |
| Preferred Stock | - | $0 | $0 | $0 |
| Held To Maturity Securities | - | $12,565,000 | $15,388,000 | $14,292,000 |
| Other Short Term Investments | - | $29,930,000 | $0 | - |
Fetched: 2026-06-23
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-34,191,000 | $-19,886,000 | $4,807,000 | $53,940,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-28,424,000 | $-14,991,000 | $12,265,000 | $61,153,000 |
| Cash Flow From Continuing Operating Activities | $-28,424,000 | $-14,991,000 | $12,265,000 | $61,153,000 |
| Operating Gains Losses | $-7,673,000 | $-1,411,000 | $-1,084,000 | $-13,072,000 |
| Investing Activities | ||||
| Capital Expenditure | $-5,767,000 | $-4,895,000 | $-7,458,000 | $-7,213,000 |
| Investing Cash Flow | $-126,912,000 | $-132,379,000 | $-152,870,000 | $-35,834,000 |
| Cash Flow From Continuing Investing Activities | $-126,912,000 | $-132,379,000 | $-152,870,000 | $-35,834,000 |
| Net Other Investing Changes | $-91,000 | $-111,000 | $210,000 | $-71,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-461,000 | $-4,741,000 | $-1,136,000 |
| Financing Cash Flow | $209,574,000 | $139,557,000 | $157,013,000 | $-10,506,000 |
| Cash Flow From Continuing Financing Activities | $209,574,000 | $139,557,000 | $157,013,000 | $-10,506,000 |
| Net Other Financing Charges | $-516,000 | - | - | - |
| Net Common Stock Issuance | $0 | $-461,000 | $-4,741,000 | $-1,136,000 |
| Dividends Received Cfi | - | - | $0 | $622,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $0 | $-126,000 | $-125,000 | $-736,000 |
| Interest Paid Supplemental Data | $19,157,000 | $14,565,000 | $9,410,000 | $1,428,000 |
| Income Tax Paid Supplemental Data | $7,063,000 | $8,057,000 | $6,626,000 | $9,360,000 |
| End Cash Position | $163,400,000 | $109,162,000 | $116,975,000 | $100,567,000 |
| Beginning Cash Position | $109,162,000 | $116,975,000 | $100,567,000 | $85,754,000 |
| Changes In Cash | $54,238,000 | $-7,813,000 | $16,408,000 | $14,813,000 |
| Proceeds From Stock Option Exercised | $481,000 | $25,000 | $44,000 | $260,000 |
| Common Stock Payments | $0 | $-461,000 | $-4,741,000 | $-1,136,000 |
| Net Issuance Payments Of Debt | $0 | $-126,000 | $-125,000 | $-736,000 |
| Net Long Term Debt Issuance | $0 | $-126,000 | $-125,000 | $-736,000 |
| Long Term Debt Payments | $0 | $-126,000 | $-125,000 | $-736,000 |
| Net Investment Purchase And Sale | $111,016,000 | $-26,650,000 | $-1,114,000 | $-3,088,000 |
| Sale Of Investment | $111,016,000 | $3,368,000 | $1,843,000 | $1,954,000 |
| Purchase Of Investment | $0 | $-30,018,000 | $-2,957,000 | $-5,042,000 |
| Net PPE Purchase And Sale | $-5,299,000 | $-4,792,000 | $-7,458,000 | $-7,213,000 |
| Sale Of PPE | $468,000 | $103,000 | - | - |
| Purchase Of PPE | $-5,767,000 | $-4,895,000 | $-7,458,000 | $-7,213,000 |
| Change In Working Capital | $-3,804,000 | $-705,000 | $182,000 | $-2,770,000 |
| Change In Other Current Liabilities | $1,208,000 | $72,000 | $7,820,000 | $-2,207,000 |
| Change In Other Current Assets | $-6,009,000 | $-1,659,000 | $-6,448,000 | $-299,000 |
| Change In Payables And Accrued Expense | $1,138,000 | $875,000 | $565,000 | $6,000 |
| Change In Payable | $1,138,000 | $875,000 | $565,000 | $6,000 |
| Change In Account Payable | $1,138,000 | $875,000 | $565,000 | $6,000 |
| Change In Receivables | $-141,000 | $7,000 | $-1,755,000 | $-270,000 |
| Changes In Account Receivables | $-141,000 | $7,000 | $-1,755,000 | $-270,000 |
| Other Non Cash Items | $-77,768,000 | $-43,725,000 | $-23,328,000 | $33,064,000 |
| Stock Based Compensation | $3,579,000 | $2,046,000 | $2,046,000 | $778,000 |
| Asset Impairment Charge | $924,000 | $-865,000 | $-376,000 | $1,728,000 |
| Deferred Tax | $-3,192,000 | $90,000 | $1,915,000 | $656,000 |
| Deferred Income Tax | $-3,192,000 | $90,000 | $1,915,000 | $656,000 |
| Depreciation Amortization Depletion | $4,864,000 | $5,289,000 | $3,811,000 | $2,107,000 |
| Depreciation And Amortization | $4,864,000 | $5,289,000 | $3,811,000 | $2,107,000 |
| Earnings Losses From Equity Investments | $-1,300,000 | $625,000 | $600,000 | $478,000 |
| Net Income From Continuing Operations | $16,091,000 | $12,742,000 | $17,460,000 | $25,115,000 |
| Amortization Cash Flow | - | $2,092,000 | - | - |
| Amortization Of Intangibles | - | $2,092,000 | - | - |
| Depreciation | - | $3,200,000 | $3,811,000 | $2,107,000 |
| Issuance Of Debt | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-06-23