FinWise Bancorp (FINW) — Stock Score Summary

FinWise Bancorp (FINW) has a MoatMap StockRank of 18/100 based on Quality (42/100), Value (39/100), and Momentum (23/100) factor scores. The current signal is STRONG SELL. FinWise Bancorp is a niche fintech-focused bank. It faces significant regulatory headwinds surrounding Banking-as-a-Service (BaaS) partnerships and lacks a durable, low-cost deposit franchise moat.

FinWise Bancorp operates FinWise Bank, which provides banking products and services, including loan programs, deposit accounts, and fintech-enabled lending. The company specializes in a 'banking as a service' model, partnering with fintech companies to originate loans on a national scale, differentiating itself from traditional community banks. It focuses on technology-driven lending solutions and strategic partnerships, allowing for scalable growth and diversification of revenue streams.

Key Financial Metrics

Price$14.73
Market Cap$209M
P/E (TTM)13.11
P/E (Forward)8.10
Price/Book1.01
Return on Equity8.4%
Gross Margin0.0%
Operating Margin11.8%
Revenue Growth71.4%

FinWise Bancorp operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is FinWise Bancorp’s (FINW) StockRank?
MoatMap’s StockRank for FinWise Bancorp (FINW) is 18/100, with a Strong Sell signal. It is a composite of Quality (42), Value (39), and Momentum (23) factor ranks across MoatMap’s 19,000+ stock universe.
Does FinWise Bancorp have an economic moat?
FinWise Bancorp (FINW) has a Quality factor score of 42/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is FinWise Bancorp a buy, hold, or sell?
MoatMap’s current signal for FinWise Bancorp (FINW) is Strong Sell, based on a StockRank of 18/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is FinWise Bancorp in?
FinWise Bancorp (FINW) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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