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Upturn AI Summary - About
Finwise Bancorp(FINW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FINW
10/02/2026: FINW (1-star) is currently NOT-A-BUY. Pass it for now.
Finwise Bancorp is a bank holding company that functions as a niche enabler in the digital lending and Banking-as-a-Service market. By leveraging its bank charter to support fintech partners, it has built a scalable model that differentiates it from traditional regional banks. The primary growth story revolves around its ability to expand these high-margin lending partnerships. However, investors must consider risks related to regulatory scrutiny of bank-fintech models, partner concentration, and potential credit volatility in the loan portfolio. It is best suited for growth-oriented investors comfortable with banking-sector volatility, as it currently pays no dividend and remains sensitive to macro-economic cycles and regulatory shifts.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through fintech partnerships but operates in a highly regulated and cyclical sector. |
| Momentum investor | Weak fit | Momentum is conditional on positive market sentiment and sustained earnings outperformance. |
| Value investor | Mixed fit | The stock may offer value if trading at attractive multiples to tangible book value, depending on market conditions. |
| Dividend investor | Weak fit | Finwise does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Banking stocks, particularly those with significant fintech partner exposure, entail higher volatility and regulatory risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Small-cap bank stocks often experience significant price swings based on interest rate shifts and sentiment. |
| Valuation risk | Medium | The stock's valuation is tied to the sustainability of high-growth partnership revenue streams. |
| Competition risk (fintech banking) | Medium / high | Established banks are increasingly competing for fintech partnership business. |
| Business quality | Medium | The business model is efficient and scalable but remains dependent on third-party fintech partners. |
| Dividend income | Low / none | The lack of dividend payments means investors rely entirely on capital appreciation. |
| Execution risk | Medium / high | Success depends on managing credit quality across diverse and rapidly changing fintech loan portfolios. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.38% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 155.35M USD | Price to earnings Ratio 11.66 | 1Y Target Price 16.33 |
Price to earnings Ratio 11.66 | 1Y Target Price 16.33 | ||
Volume (30-day avg) 33.5K shares | Beta 0.71 | 52 Weeks Range 10.79 - 19.86 | Updated Date 10/02/2026 |
52 Weeks Range 10.79 - 19.86 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.96 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Strategic Partnership Lending | Lending programs managed through fintech partners for consumers and small businesses. | The bank makes money by providing the regulatory 'engine' for other companies' lending products. |
| Commercial Banking | Direct commercial real estate and business loans. | Traditional banking activities that generate consistent interest income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.66 | Forward PE - | Enterprise Value 69.71M | Price to Sales(TTM) 1.33 |
Enterprise Value 69.71M | Price to Sales(TTM) 1.33 | ||
Enterprise Value to Revenue 0.88 | Enterprise Value to EBITDA - | Shares Outstanding 13.88M | Shares Floating 9.17M |
Shares Outstanding 13.88M | Shares Floating 9.17M | ||
Percent Insiders 31.52 | Percent Institutions 29.96 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Finwise Bancorp
Exchange NASDAQ | Headquarters Murray, UT, United States | ||
IPO Launch date 2021-11-19 | President & CEO Mr. James F. Noone | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 206 | |
Full time employees 206 | |||
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.
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