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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
10/30/2026: FINW (1-star) is currently NOT-A-BUY. Pass it for now.
Finwise Bancorp is a regional bank that has effectively carved out a niche in the banking-as-a-service market by partnering with fintech firms. The company’s primary strength lies in its scalable digital infrastructure, which allows it to support fintech lending programs efficiently. Its growth story is tied directly to the expansion of the embedded finance industry. However, investors must consider the risks of customer concentration, regulatory sensitivity in the fintech sector, and potential credit volatility. The stock may best suit growth-oriented investors who are comfortable with the risks inherent in the digital financial services sector and can monitor regulatory developments closely.
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 | Strong fit | The company's focus on the expanding fintech and embedded finance sector offers significant growth potential. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive, sustained upturn in financial performance and sector interest. |
| Value investor | Mixed fit | Valuation is often tied to growth premiums in the fintech space, making it a nuanced choice for traditional value investors. |
| Dividend investor | Weak fit | The company currently focuses on capital reinvestment and does not prioritize dividend distributions. |
| Low-risk investor | Weak fit | Small-cap banking and concentration risks in fintech partnerships introduce higher volatility than traditional regional banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a smaller-cap stock in a niche segment, the shares may experience significant price swings. |
| Valuation risk | Medium | Future performance is heavily priced based on successful scaling of fintech partnerships. |
| Competition risk (Fintech Partnerships) | High | New entrants and larger banks are aggressively targeting the banking-as-a-service market. |
| Business quality | Medium | The business model is specialized and relies on the success of third-party platforms. |
| Dividend income | Low / none | Investors should not expect consistent income from dividends. |
| Execution risk | Medium | Successfully managing credit risk in a digital-first, high-volume lending environment requires precise execution. |
Analysis of Past Performance
Type Stock | Historic Profit 63.32% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
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 185.06M USD | Price to earnings Ratio 9.66 | 1Y Target Price 16.33 |
Price to earnings Ratio 9.66 | 1Y Target Price 16.33 | ||
Volume (30-day avg) 43.0K shares | Beta 0.73 | 52 Weeks Range 9.58 - 19.86 | Updated Date 10/30/2026 |
52 Weeks Range 9.58 - 19.86 | Updated Date 10/30/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Strategic Fintech Partnerships | Lending and deposit services provided via fintech platforms. | The bank earns fees and interest by acting as the infrastructure partner for digital lending apps. |
| Commercial Banking | Loans and deposits for small to mid-sized businesses. | Traditional banking operations providing core interest income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 0.19 | Actual 0.76 |
Profitability
Profit Margin 11.71% | Operating Margin (TTM) 8.85% |
Management Effectiveness
Return on Assets (TTM) 1.55% | Return on Equity (TTM) 7.17% |
Valuation
Trailing PE 9.66 | Forward PE - | Enterprise Value 64.58M | Price to Sales(TTM) 1.58 |
Enterprise Value 64.58M | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 0.84 | 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 28.04 |
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.
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