FINW - NASDAQ

FinWise Bancorp

FinWise Bancorp

FINWยทNASDAQ

$14.12

-1.5%
Financial ServicesBanks - Regional

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$193.53M
EPS1.2500
P/E Ratio11.30
Earnings Date07/23/2026
FinWise Bancorp

FinWise Bancorp Fair Value Envelope

FINW ยท NASDAQ

Our analysis suggests that FINW has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $14.12, this represents a potential HIDDEN relative to our calculated worth for FinWise Bancorp.

HIDDEN
Intrinsic Value
Current Price: $14.12

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$25.5M
+ Cash & Equivalents$163.4M
Firm Value$137.9M
- Debt$4.4M
Equity Value$133.5M
/ Shares Outstanding13,519,230B
DCF Value$10
OVERVALUED BY 30%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$14.2M
-$7.1M
-$3.6M
-$1.8M
-$888.3K
-$444.1K
-$222.1K
-$111.0K
-$55.5K
-$27.8K
Maintenance CapEx
-$576.7K
-$288.4K
-$144.2K
-$72.1K
-$36.0K
-$18.0K
-$9.0K
-$4.5K
-$2.3K
-$1.1K
Owner Earnings
-$14.8M
-$7.4M
-$3.7M
-$1.8M
-$924.3K
-$462.1K
-$231.1K
-$115.5K
-$57.8K
-$28.9K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$13.7M
-$6.3M
-$2.9M
-$1.4M
-$629.1K
-$291.2K
-$134.8K
-$62.4K
-$28.9K
-$13.4K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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