- ISIN
- US31813A1097
- CUSIP
- 31813A109
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Nov 19, 2021
Highlights
- Market Cap
- $191.81M
- Enterprise Value
- $185.52M
- EPS (TTM)
- $1.15
- PE Ratio
- 12.22
- Total Revenue (TTM)
- $157.91M
- Gross Profit (TTM)
- $73.09M
- EBITDA (TTM)
- $19.60M
- Year Range
- $12.82 - $22.49
- Target Price
- $19.50
- ROA (TTM)
- 1.74%
- ROE (TTM)
- 7.95%
Share Price Chart
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Performance
FINW Performance Chart
FinWise Bancorp (FINW) is down 21.6% since the beginning of the year. At $14 per share, FINW is trading 37.5% below its 52-week high of $22.
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Returns By Period
FinWise Bancorp (FINW) has returned -21.63% so far this year and -0.64% over the past 12 months.
FinWise Bancorp
- 1D
- -0.85%
- 1M
- 1.52%
- YTD
- -21.63%
- 6M
- -22.45%
- 1Y
- -0.64%
- 3Y*
- 16.03%
- 5Y*
- —
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
FINW Monthly Returns History
Based on dividend-adjusted daily data since Nov 19, 2021, FINW's average daily return is +0.04%, while the average monthly return is +1.02%. At this rate, an investment would double in approximately 5.7 years.
Historically, 46% of months were positive and 54% were negative. The best month was Nov 2023 with a return of +34.9%, while the worst month was Jun 2022 at -31.5%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 9 months.
On a daily basis, FINW closed higher 46% of trading days. The best single day was Nov 6, 2023 with a return of +13.5%, while the worst single day was Oct 3, 2025 at -9.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.40% | -3.83% | -5.82% | -1.95% | -7.52% | -2.23% | -21.63% | ||||||
| 2025 | 15.96% | 7.02% | -11.70% | -13.65% | -5.16% | 4.67% | 19.05% | 8.17% | 0.31% | -1.03% | -5.94% | -0.61% | 12.27% |
| 2024 | -3.49% | -28.82% | 2.24% | 5.57% | -1.79% | -2.02% | 23.80% | 3.96% | 18.72% | 7.24% | 11.06% | -13.99% | 11.67% |
| 2023 | -6.16% | 10.24% | -8.04% | -4.09% | -7.34% | 14.30% | 10.61% | -3.74% | -9.34% | -1.62% | 34.94% | 24.76% | 54.54% |
| 2022 | 27.48% | 20.14% | -18.80% | -10.38% | -11.45% | -31.45% | 6.32% | 8.47% | -16.08% | 1.11% | -1.75% | 3.23% | -32.85% |
| 2021 | 3.20% | 6.90% | 10.32% |
Benchmark Metrics
FinWise Bancorp has an annualized alpha of 2.96%, beta of 0.60, and R2 of 0.07 versus S&P 500 Index. Calculated based on daily prices since November 19, 2021.
- This stock participated in 64.87% of S&P 500 Index downside but only 41.68% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.60 may look defensive, but with R2 of 0.07 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.07 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 2.96%
- Beta
- 0.60
- R²
- 0.07
- Upside Capture
- 41.68%
- Downside Capture
- 64.87%
Return for Risk
Risk / Return Rank
FINW ranks 40 for risk / return — below 40% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for FinWise Bancorp (FINW) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FINW | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.05 | ||
| Sortino ratioReturn per unit of downside risk | -2.51 | ||
| Omega ratioGain probability vs. loss probability | 1.03 | 1.37 | -0.34 |
| Calmar ratioReturn relative to maximum drawdown | -0.02 | 2.78 | -2.80 |
| Martin ratioReturn relative to average drawdown | -0.03 | 12.44 | -12.47 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the FinWise Bancorp. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the FinWise Bancorp was 63.35%, occurring on May 22, 2023. Recovery took 584 trading sessions.
The current FinWise Bancorp drawdown is 37.48%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -63.35%May 2023 | 1y 2mo | 2y 4mo | 3y 6moMar 2022 - Sep 2025 |
2026 bear market2026 | -42.29%May 2026 | 7mo 22d | — | 9mo 4dSep 2025 - now |
Bear market2022 | -8.08%Feb 2022 | 5d | 2d | 7dFeb 2022 - Feb 2022 |
2021 pullback2021 | -6.67%Nov 2021 | 6d | 16d | 22dNov 2021 - Dec 2021 |
Bear market2022 | -4.02%Feb 2022 | 2d | 6d | 8dFeb 2022 - Feb 2022 |
Drawdown Indicators
| FINW | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -63.35% | -56.78% | -6.57% |
Max Drawdown (1Y)Largest decline over 1 year | -42.29% | -9.10% | -33.19% |
Max Drawdown (3Y)Largest decline over 3 years | -42.29% | -18.90% | -23.39% |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.43% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -37.48% | -1.80% | -35.68% |
Average DrawdownAverage peak-to-trough decline | -36.17% | -10.71% | -25.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 22.42% | 2.03% | +20.39% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of FinWise Bancorp over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how FinWise Bancorp is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for FINW, comparing it with other companies in the Banks - Regional industry. Currently, FINW has a P/E ratio of 12.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for FINW relative to other companies in the Banks - Regional industry. Currently, FINW has a P/S ratio of 1.2. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for FINW in comparison with other companies in the Banks - Regional industry. Currently, FINW has a P/B value of 1.0. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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