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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
09/18/2026: FINW (1-star) is currently NOT-A-BUY. Pass it for now.
Finwise Bancorp is a specialized bank holding company that blends traditional community banking with a technology-driven digital lending platform. By partnering with fintech companies, the bank has unlocked a scalable growth model for loan originations that significantly differentiates it from traditional regional competitors. The primary investment story rests on its ability to sustain these partnerships while maintaining credit quality in a complex regulatory environment. Risks include significant dependency on third-party fintech partners and increased oversight within the banking-as-a-service sector. The stock may best suit growth-oriented investors who are comfortable with the inherent volatility and regulatory nuances of small-cap financial institutions operating in the digital lending space.
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 fintech partnerships and digital lending provides a scalable growth trajectory uncommon for traditional regional banks. |
| Momentum investor | Mixed fit | Momentum appeal is conditional on consistent partnership growth and positive sentiment toward fintech-integrated banking models. |
| Value investor | Mixed fit | Valuation may be attractive relative to pure-play fintechs, but investors must account for the inherent risks of small-cap bank asset quality. |
| Dividend investor | Weak fit | Finwise prioritizes internal capital reinvestment over dividend distributions, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Small-cap banking and fintech partnership concentration introduce volatility and regulatory risks that exceed typical low-risk tolerance. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a small-cap bank, FINW stock is susceptible to wider price swings based on interest rate changes and sector sentiment. |
| Valuation risk | Medium | The stock's premium is often tied to its growth potential, which may correct if partnership revenue slows. |
| Competition risk (Fintech/BaaS) | High | The bank faces intense pressure from other BaaS providers and non-bank lenders competing for fintech partnership volume. |
| Business quality | Medium | The business model relies heavily on the quality and compliance of third-party fintech partners. |
| Dividend income | Low / none | Investors should not expect regular income through dividends as capital is directed toward growth. |
| Execution risk | Medium / high | Maintaining regulatory compliance while scaling digital loan origination is operationally complex and resource-intensive. |
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 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 09/18/2026 |
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 176.31M USD | Price to earnings Ratio 13.51 | 1Y Target Price 17 |
Price to earnings Ratio 13.51 | 1Y Target Price 17 | ||
Volume (30-day avg) 28.3K shares | Beta 0.71 | 52 Weeks Range 12.42 - 21.92 | Updated Date 09/18/2026 |
52 Weeks Range 12.42 - 21.92 | Updated Date 09/18/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.94 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| BaaS and Digital Lending | Revenue generated from fees for loan originations and servicing provided through fintech partners. | The bank acts as the infrastructure behind many digital loans, earning money on transaction fees and interest spreads. |
| Community Banking | Traditional interest income from local deposits and lending in the Utah market. | This is the stable, core business of local lending that provides deposits to fund digital operations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 13.51 | Forward PE - | Enterprise Value 90.68M | Price to Sales(TTM) 1.51 |
Enterprise Value 90.68M | Price to Sales(TTM) 1.51 | ||
Enterprise Value to Revenue 1 | 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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