FINWISE BANCORP (FINW)
Financials · Regional Banks / Banking-as-a-Service · NASDAQ
A technology-focused bank holding company specializing in nationwide digital lending, strategic partnerships with fintechs, and SBA 7(a) loan programs.
What FINWISE BANCORP does
FinWise Bancorp is a Utah bank holding company that operates through its subsidiary, FinWise Bank, providing commercial and retail banking services. The company focuses on nationwide digital lending and banking-as-a-service (BaaS) solutions, including SBA 7(a) loans, equipment financing, and strategic programs for fintech brands. It also maintains traditional branch-based banking operations primarily serving the Salt Lake City, Utah metropolitan area.
Recent developments
On July 20, 2026, the company acquired the technology platform and related assets of Tallied Technologies, Inc. to vertically integrate its co-branded credit card issuance and processing. The company also recently authorized a common stock repurchase program for up to 685,000 shares.
From FINWISE BANCORP's filing of 2026-08-12.
Themes: banking-as-a-service (BaaS), fintech partnership ecosystem, digital lending, SBA lending, payments infrastructure
Fundamentals
- Price$10.82 as of 2026-10-08 close
- Market cap$150M as of 2026-08-07 (share count; price 2026-10-08)
- 1-year return-43.0% 2025-10-08 close $18.99 → 2026-10-08 close $10.82
- P/E9.41 as of 2026-10-08
- ROE+8.3% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+9.4% as of 2026-09-03
- Beta0.68 as of 2026-09-03
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
How FINW compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How FINWISE BANCORP looks technically
FINWISE BANCORP (FINW) is trading 28.5% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 147 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 49, with sellers in control. Momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 17, in oversold territory (below 30). It just made a new 20-day low, breaking below its recent trading range. It is trading right at its lowest price of the past year (its 52-week low).
Trend
8
| Distance from the 200-day | it is trading 28.5% below its 200-day average, the long-term trend line — a long-term downtrend | -28.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $13.07 | $13.07 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $15.13 | $15.13 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 13.08. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 147 trading days ago — a "death cross", a bearish long-term signal | 147 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 49, with sellers in control | 49.1 |
Momentum
3
| 14-day RSI | momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 17, in oversold territory (below 30) | 16.6 |
|---|---|---|
| Position in its 14-day range | it is trading right at the bottom of its 14-day range ($10.77 to $12.61) — its "stochastic" reading is 3 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 2.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 23 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $19.86 | $19.86 |
|---|---|---|
| From the 52-week high | it is 45.5% below its 52-week high (its highest price of the past year) | -45.5% |
| Above the 52-week low | it is trading right at its lowest price of the past year (its 52-week low) | +0.5% |
| Below the 52-week high | it is 45.5% below its highest point of the past year | 45.5% |
| Since a 20-day breakout | it just made a new 20-day low, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day low, breaking below its recent trading range | 1 session |
| All-time high | its highest closing price on record is $22.49 (set on 2025-09-19) | $22.49 |
| Given back of the 52-week move | over the past year its closes ranged ($10.82 to $19.35), and it has recovered essentially none of its fall from last year’s high — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.09 to $16.36. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 51.9% below its all-time high | -51.9% |
| Nearest price level | it is trading 24.1% below a resistance level at $13.43 — a price it turned at four times since 2025-04-11, most recently on 2026-08-20. Since 2024-10-08 it has 0 such levels below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +24.1% |
| All-time low | its lowest closing price on record is $7.61 (set on 2023-05-11) | $7.61 |
| Above the all-time low | it is 42.2% above its all-time low | +42.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 83% of the past ~6 months) | 83rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4199 between its high and its low — about 3.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4199 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $10.13 and $13.39 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $10.13 – $11.76 – $13.39 |
| Typical daily range (% of price) | its price moves about 3.9% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.9% |
| Stretch from the 200-day average | it is trading 10.3 daily ranges below its 200-day average price (28.5% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 10.3 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.76× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.4% |
|---|---|---|
| Gap filled | a 6.4% gap up opened on 2026-09-24 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 10 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 22.9 percentage points (the stock lost 21.8% while the market gained 1.0%) | -22.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 26.2 percentage points (the stock lost 22.4% while the market gained 3.8%) | -26.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 50.0 percentage points (the stock lost 32.6% while the market gained 17.5%) | -50.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 58.0 percentage points (the stock lost 43.0% while the market gained 15.0%) | -58.0% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: its RSI momentum gauge is oversold (a beaten-down reading), near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 7 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 7 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 22% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.9% of the share price. | -22.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 26% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $14.63 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | -26.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 16% below the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is under water. That average is $12.91 — a volume-weighted average of daily closes over 51 sessions, not a true tick-by-tick VWAP. | -16.2% |
Head and shoulders, bearish — broke down · entry $12.79 · 81 sessions in
Price levels it has turned at before
FINW last closed at $10.82 on 2026-10-08. Since 2024-10-08 it has turned at 0 prices below its last close and 14 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $13.43 | Resistance | 24.1% above the last close | turned there four times · 2025-04-11 to 2026-08-20 |
| $13.73 | Resistance | 26.9% above the last close | turned there three times · 2025-06-17 to 2026-07-08 |
| $14.55 | Resistance | 34.4% above the last close | turned there four times · 2026-07-14 to 2026-08-19 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $13.08.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $11.71 and $12.73 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $10.79.
This reading has stood for 19 trading days, since 2026-09-14.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Oversold (14-day RSI below 30) · Near the 52-week low · Pulled back from the 12-month high · Broke down to a new 20-day low · lagging the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$16.33 range $14.00 – $19.00; median $16.00
Analyst estimates, as of 2026-10-09. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FINW
- Consensus EPS estimate$0.19 next reporting period, as of 2026-10-09
- Estimate change, 30 days$0.00 (0.0%) from $0.19, on 2026-09-04, 35-day window
- Readings revised upward0% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration risk related to third-party strategic lending programs and reliance on partners.","Credit risk associated with loan portfolios and sensitivity to economic conditions.","Regulatory and compliance risk inherent in banking-as-a-service and SBA lending activities."]
What changed in the latest 10-Q
AI-assisted comparison of FINW's 10-Q filed 2026-08-12 against the prior one filed 2026-05-12.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-12) adds a 'Subsequent Acquisition' subsection describing the July 20, 2026 acquisition of the technology platform and related assets of Tallied Technologies, Inc., including expected integration and transition costs of approximately $4.0 million over the next year and reclassification of the credit card receivable from the credit enhanced portfolio to credit card loan receivable beginning in the third quarter of 2026.
- Newer filing (2026-08-12) Executive Summary includes an originations bullet for the six months ended June 30, 2026: originations increased to $3.4 billion from $2.7 billion compared to the six months ended June 30, 2025.
- Newer filing (2026-08-12) Executive Summary includes a net interest margin bullet covering both three-month and six-month periods: NIM was 13.69% for the three months ended June 30, 2026 compared to 7.81% for the three months ended June 30, 2025, and NIM was 13.29% for the six months ended June 30, 2026 compared to 8.
- Removed:
- Older filing (2026-05-12) Executive Summary includes a net income bullet for the three months ended March 31, 2026 and 2025, stating net income of $2.7 million and $3.2 million respectively, with the decrease primarily impacted by higher net-charge offs leading to an increased provision for credit losses within the traditional banking portfolio.
- Older filing (2026-05-12) Executive Summary includes a total assets bullet stating total assets decreased by $77.7 million to $899.4 million as of March 31, 2026 compared to December 31, 2025.
- Older filing (2026-05-12) Executive Summary includes a NIM bullet stating NIM was 12.90% for the three months ended March 31, 2026, compared to 8.27% for the three months ended March 31, 2025, with a note that NIM is impacted by income earned from interest-earning assets and interest costs incurred on interest-bearing liabilities.
- Reworded:
- Newer filing (2026-08-12) states there have been no material changes 'during the six months ended June 30, 2026' to critical accounting estimate methods and judgments, while the older filing (2026-05-12) stated 'during the three months ended March 31, 2026'.
- Newer filing (2026-08-12) Executive Summary origination bullet compares three months ended June 30, 2026 originations of $1.6 billion to $1.5 billion for the three months ended June 30, 2025, whereas the older filing (2026-05-12) compared three months ended March 31, 2026 originations of $1.7 billion to $1.3 billion for the three months ended March 31, 2025.
- Newer filing (2026-08-12) Executive Summary includes a 'Results of Operations' heading and 'Net Income Overview' table beginning after the Executive Summary bullets; the older filing (2026-05-12) Executive Summary is followed directly by 'Results of Operations' with no additional Executive Summary bullets beyond its listed items for the first quarter periods.
- Notes:
- The newer filing excerpts in the Executive Summary and Results of Operations sections appear truncated mid-sentence or mid-table (e.g., the six-month NIM comparison ends at '8.' and the Results of Operations table excerpt begins with 'Interest income'). The older filing's Results of Operations table excerpt also appears truncated. Changes beyond the available text cannot be assessed.
Risk Factors
- Added:
- In the newer filing (2026-08-12), Item 2 includes a table of issuer repurchases of equity securities, showing 11,990 shares purchased in May 2026 at an average price of $13.99 and 17,746 shares purchased in June 2026 at an average price of $14.26, totaling 29,736 shares at an average price of $14.15.
- In the newer filing (2026-08-12), Item 2 includes a footnote stating that effective May 19, 2026, the Board authorized a common stock repurchase program to purchase up to 685,000 shares, expiring May 31, 2028, and describing permitted repurchase methods.
- Removed:
- The older filing (2026-05-12) states 'None.' under Item 2. Unregistered Sales of Equity Securities and Use of Proceeds; this statement is not present in the newer filing.
- Reworded:
- In the newer filing (2026-08-12), Item 5 states the trading arrangement disclosure applies to the fiscal quarter ended June 30, 2026; in the older filing (2026-05-12), it applies to the fiscal quarter ended March 31, 2026.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for FINW — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding FINW as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 634,243
- Reported value $9,196,525
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FINW's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FINW had 141,498 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
FINW had 1.02% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.58 days to cover at the same settlement.
- Reported short interest (shares) 141,498
- Short interest (% of shares outstanding) 1.02%
- Prior settlement (shares) 144,817
- Reported change -2.29%
- Days to cover (reported) 4.58
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Pathward Financial (CASH)
- Cross River Bank
- WebBank
- Celtic Bank
- Coastal Financial (CCB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FINWISE BANCORP (FINW) do?
FinWise Bancorp is a Utah bank holding company that operates through its subsidiary, FinWise Bank, providing commercial and retail banking services. The company focuses on nationwide digital lending and banking-as-a-service (BaaS) solutions, including SBA 7(a) loans, equipment financing, and strategic programs for fintech brands. It also maintains traditional branch-based banking operations primarily serving the Salt Lake City, Utah metropolitan area.
What sector is FINWISE BANCORP (FINW) in?
FINWISE BANCORP (FINW) is classified in the Financials sector. Its industry is Regional Banks / Banking-as-a-Service. It trades on NASDAQ.
Who are FINWISE BANCORP's (FINW) competitors?
Notable peers of FINWISE BANCORP (FINW) include Pathward Financial, Cross River Bank, WebBank, Celtic Bank and Coastal Financial. This peer set is informational only — not financial advice.
Is FINWISE BANCORP (FINW) overbought or oversold right now?
FINWISE BANCORP (FINW) is currently in oversold territory (its 14-day RSI is 17, below 30) (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FINW come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.