FinWise Bancorp (FINW) Stock

FinWise Bancorp (FINW) is a Financials stock trading at $14.04 (as of 2026-08-21), with a market capitalization of $194.91M and a trailing P/E of 14.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

FinWise Bancorp is the bank holding company for FinWise Bank, which provides deposit products, lending, and related banking services to individual and corporate customers. Its offerings include demand and time deposits and certificates of deposit, SBA and real estate and other loans, and services such as debit cards, remote/mobile and online banking, direct deposit, and cash management and treasury support.

Understand FinWise Bancorp: how it makes money

FinWise Bancorp is the bank holding company for FinWise Bank, which provides deposit products, loan products (including real estate, consumer, and small business loans), and related digital and banking services to individual and corporate customers, and it makes money by providing these banking products and services.

Profit drivers are closely tied to loan production and how those loans are positioned, as shown by reported loan origination activity (Amount of Loans Originated) and the mix of credit-enhanced balances plus loans held for sale versus held for investment.

Business quality (Mixed): The latest-quarter dataset provided includes an operating margin figure and several loan and credit-related operational metrics, but it does not include a clean reportable segment revenue breakdown.

Valuation: At 14× earnings, FINW trades 11% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Ongoing lending activity: The company reports Amount of Loans Originated of 1.7 USD_B, along with a Loan Originations Tracking at Quarterly Rate of 1.2 USD_B.
Product structure includes credit-enhanced exposures: Credit-Enhanced Product Balances are reported at 0.11 USD_B, and the company also reports Strategic Program Held for Sale Loans of 0.07 USD_B and Strategic Program Held for Investment Loan Balance of 0.03 USD_B.
Compliance and risk staffing focus: Full-Time Employees in Information Technology, Compliance, Risk Management, and Bank Secrecy Act Functions are reported at 39.0 percent.

Bear case

Credit-enhanced portfolio balance is reported as zero: Credit-Enhanced Portfolio Balance is reported at 0.0 USD_B, which could indicate limited current portfolio exposure in that specific category.
Strategic program balances appear small versus origination activity: Strategic Program Held for Sale Loans (0.07 USD_B) and Strategic Program Held for Investment Loan Balance (0.03 USD_B) are both small relative to the reported Amount of Loans Originated (1.7 USD_B).

Valuation — source: SEC EDGAR (first-party)
Price	$14.04
Market Cap	$194.91M
P/E Ratio	14.3
EV / EBITDA	5.3
Price / Book	0.98
Price / Sales	1.60
FCF Yield	2.8%
DCF Value (model)	$20.57
DCF Upside vs Price	46.5%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$92.48M
Net Margin	17.4%
Revenue Growth (YoY)	72.1%
EPS Growth (YoY)	-48.4%
FCF Growth (YoY)	52.1%

Valuation vs Sector & Industry
Stock P/E	14.3
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-5.6%
vs Industry	9.9%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	ALLIANCEBERNSTEIN L.P. ($14.35M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Kent R. Landvatter
Employees	196
Country	US
IPO Date	2021-11-19

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.