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Finwise Bancorp FINW

Nasdaq · stock · State Commercial Banks · website · IPO 2021-08-12

Finwise Bancorp statistics & valuation

Market cap$211.3M
P / E13.1×
P / B1.1×
Return on equity8.3%
Graham number +36.1%$18.97

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($18.97); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
20212022202320242025
Operating margin (%)
20212022202320242025
Return on equity (%)
27.40% 17.90% 11.30% 7.30% 8.30% 20212022202320242025
Shares outstanding
12.8M 13.4M 12.9M 13.2M 13.7M 20212022202320242025
Net debt ($)
20212022202320242025
Share buybacks ($)
20212022202320242025
Return on assets (%)
8.30% 6.30% 3.00% 1.70% 1.60% 20212022202320242025
Free cash flow margin (%)
20212022202320242025
Debt / equity (×)
20212022202320242025
EPS ($)
$3.27 $1.87 $1.33 $0.93 $1.13 20212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Finwise Bancorp trades at about 12.3× earnings — above its 10-year norm (10-year range 4.6×–19.9×, median 10.4×).

4.6× 19.9×

Shaded band = 10-year range (4.6×–19.9×); dot = today's 12.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021
Return on assets1.6%1.7%3.0%6.3%8.3%
Return on equity8.3%7.3%11.3%17.9%27.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.