US · FINW
FinWise Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Murray, UT 84107
- Website
- finwisebancorp.com
Price · as of 2025-12-31
$14.96
Market cap 228.8M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $128.29 | +757.55% |
| Intrinsic Value(DCF) | $6,853.53 | +45,712.37% |
| Graham-Dodd Method(GD) | $21.33 | +42.59% |
| Graham Formula(GF) | $75.95 | +407.68% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $12.46 | $42.83 | |||
| 2021 | $18.70 | $307.12 | $26,269.53 | $31.53 | $325.79 |
| 2022 | $8.88 | $846.90 | $165.95 | $20.90 | $37.18 |
| 2023 | $10.06 | $144.24 | $20.05 | $19.41 | $6.02 |
| 2024 | $17.83 | $281.68 | $12.78 | $18.83 | $20.39 |
| 2025 | $16.81 | $128.29 | $438.20 | $21.33 | $75.95 |
AI valuation
Our deep-learning model estimates FinWise Bancorp's (FINW) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $128.29
- Current price
- $14.96
- AI upside
- +757.55%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6,853.53
+45,712.37% upside
Graham-Dodd
$21.33
+42.59% upside
Graham Formula
$75.95
+407.68% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FINW | FinWise Bancorp | $14.96 | 228.8M | +758% | +45,712% | +43% | +408% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| CHMG | Chemung Financial Corpora… | $55.52 | 266.18M | -22% | +51% | -24% | +55% | 9.82 | 1.08 | 1.55 | -3.67 | — | 1.20 | 64.27% | 20.11% | 15.82% | 11.53% | -9.11% | 0.86% | 0.55 | 0.56 | 0.19 | 0.19 | 2.23 | -606.00% | 954.00% | -1387.00% | 11.27% | 0.01 | -10.08% | 3.17% | 31.10% | 3.32% | -3.92 | -4.50 | -0.79 | -0.61 |
| COSO | CoastalSouth Bancshares, … | $24.55 | 294.08M | — | — | +20% | +83% | — | — | — | — | — | — | 54.61% | 20.98% | 16.89% | 12.47% | -263.38% | 1.06% | 0.08 | 0.47 | 0.05 | 0.05 | -1.81 | -1899.00% | 1341.00% | -13824.00% | — | -0.01 | 169.34% | — | 0.00% | — | — | — | — | — |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FRST | Primis Financial Corp. | $13.21 | 326.23M | +484% | +7,447% | +124% | +468% | 5.36 | 0.78 | 1.05 | 6.18 | — | 1.00 | 67.59% | 23.21% | 19.66% | 15.86% | 14.86% | 1.59% | 0.62 | 0.82 | 0.07 | 0.07 | 1.63 | -47727.00% | 2302.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.18 | — | 1.43 | -0.42 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| LNKB | LINKBANCORP, Inc. | $8.65 | 324.01M | +1,024,537% | +23,719% | -42% | +1,164% | 9.42 | 0.88 | 1.47 | 5.17 | — | 1.23 | 64.74% | 20.05% | 15.64% | 9.61% | 13.11% | 0.94% | 0.46 | 0.57 | 0.07 | 0.07 | -0.94 | -20597.00% | 15283.00% | -173102.00% | 9.14% | 0.01 | 11.29% | 4.50% | 42.40% | 23.18% | 6.20 | 9.23 | 1.24 | -0.76 |
| MBCN | Middlefield Banc Corp. | $33.67 | 272.39M | +279% | -24% | +7% | -17% | 14.01 | 1.19 | 2.42 | 11.87 | 57.25 | 1.44 | 65.85% | 20.91% | 17.29% | 8.82% | 9.27% | 1.03% | 0.81 | 0.60 | 0.40 | 1.53 | -1.54 | 2448.00% | 354.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 63.96% | 11.87 | — | 2.48 | 0.24 |
| NECB | Northeast Community Banco… | $24.20 | 326.31M | +130% | +292% | +37% | +298% | 6.02 | 0.89 | 1.77 | 3.13 | 99.85 | 0.89 | 63.74% | 41.15% | 29.45% | 15.75% | 17.95% | 2.49% | 0.01 | 1.15 | 0.05 | 0.05 | -1.10 | 602.00% | 1955.00% | 1412.00% | 17.01% | 0.03 | 18.37% | 2.78% | 16.70% | 30.06% | 3.19 | 4.35 | 1.31 | -0.51 |
| PKBK | Parke Bancorp, Inc. | $27.86 | 330.06M | +44% | -23% | -7% | +34% | 7.91 | 0.73 | 1.68 | 5.00 | — | 0.73 | 48.13% | 28.05% | 21.26% | 9.42% | 10.35% | 1.32% | 0.63 | 0.55 | 0.14 | 0.14 | -0.90 | -340.00% | 839.00% | 5212.00% | 16.08% | 0.02 | 13.17% | 3.95% | 31.30% | 15.53% | 5.08 | 5.27 | 1.43 | -0.49 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
- CEO
- Kent R. Landvatter
- Employees
- 196
- Beta
- 0.82
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6,853.53 ÷ $14.96) − 1 = +45,712.37% (DCF, example).