FinWise Bancorp Common Stock (FINW)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-Graham investor, I see a small Utah bank holding company, FinWise Bancorp, priced at $10.90 at the 2026-10-13 close, with a $151.3 million market cap. FairStock's P/B is 0.75 and P/E is 11.35, so the market values it below book and at a modest multiple. That can be attractive, but only if returns are durable. FairStock's ROE is 7.17% and ROCE is 1.55%, which are not the marks of a high-quality bank. The Piotroski F-Score is 3/9, another caution. Filed results are uneven: in fiscal year 2023, period ended 2023-12-31, net income was $17.5M; in fiscal year 2024, period ended 2024-12-31, $12.7M; in fiscal year 2025, period ended 2025-12-31, $16.1M. More recently, fiscal Q2 2026, quarter ended 2026-06-30, net income was $2.1M, down from $4.1M in fiscal Q2 2025, quarter ended 2025-06-30. FairStock's Lynch category is SLOW GROWER - Shrinking: profit -15.5% a year over four years. The BaaS/Treasury segment could add fee income, but I cannot assess partner concentration, credit quality, or underwriting because CET1, NIM, nonperforming loan, reserve, and efficiency data are absent; combined ratio is also not in the data and is not a bank measure. With no dividend and a 52-week range of $10.74-$19.86, the stock is near its low. Cheap can still be a trap if ROE stays low. I need evidence of stable earnings and better bank returns before calling this a true bargain.

In plain English: FinWise Bancorp is a small Utah bank holding company that offers banking services to people and businesses, and also works with partners to provide banking products. Its profit was $2.1 million in the quarter ended June 30, 2026, down from $4.1 million a year earlier, and it pays no dividend. The stock price looks low compared with its accounting value, but the business has modest returns and weaker recent profit, so it looks cheap but not clearly strong.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer