FinWise Bancorp
Research FinWise Bancorp (FINW) on Bullrun: valuation model: 43.1% undervalued, market cap USD 149.88M, P/E 11.3. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFINW
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal43.1% undervalued
- Market capUSD 149.88M
- P/E11.3
- Financial periodQ2 2026
- RevenueUSD 54.34M
- Net incomeUSD 2.13M
- Free cash flow-USD 25.71M
Valuation Snapshot
Bullrun's latest valuation model marks FinWise Bancorp as 43.1% undervalued; latest market cap is USD 149.88M; P/E is 11.3.
Peer valuation comparison
Latest P/E is 11.3x versus a Financial Services sector median of 13.41x (15.7% below).
Latest P/E is 11.3x versus a United States median of 23.75x (52.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 129.37M | USD 16.09M | -USD 28.64M | n/a | 1.13 | USD 163.40M | USD 4.41M | USD 193.20M |
| FY2024 | USD 82.02M | USD 12.74M | -USD 16.07M | n/a | 0.93 | USD 109.16M | USD 5.30M | USD 173.72M |
| FY2023 | USD 76.62M | USD 17.46M | USD 4.81M | n/a | 1.33 | USD 116.98M | USD 6.49M | USD 155.06M |
| FY2022 | USD 88.78M | USD 25.12M | USD 53.94M | n/a | 1.87 | USD 100.57M | USD 7.33M | USD 140.46M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 149.88M | 11.3 | n/a | n/a |
| 2025 | 2025-12-31 | USD 244.99M | 15.9 | n/a | n/a |
| 2024 | 2024-12-31 | USD 211.12M | 16.8 | n/a | n/a |
| 2023 | 2023-12-29 | USD 178.78M | 9.5 | n/a | n/a |
| 2022 | 2022-12-30 | USD 118.99M | 4.1 | n/a | n/a |
| 2021 | 2021-12-31 | USD 176.13M | 6.1 | n/a | n/a |
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.
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Frequently asked questions
Is FinWise Bancorp overvalued or undervalued?
Bullrun's valuation model currently marks FinWise Bancorp as 43.1% undervalued.
What is FinWise Bancorp's market cap?
FinWise Bancorp's market capitalization is USD 149.88M.
What is FinWise Bancorp's P/E ratio?
FinWise Bancorp's price-to-earnings (P/E) ratio is 11.3.
What does FinWise Bancorp do?
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.