Finwise Bancorp (FINW)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$13.99-0.07%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FINW
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 1 guided quarters · -25.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue growing loan originations across established and new strategic programs to drive revenue and diversify partner base.
Stated as a priority in 2 of last 2 quarters. Loan originations were $1.6 billion in 2026-Q2, slightly down from $1.7 billion in 2026-Q1 but up from $1.5 billion in 2025-Q2, reflecting growth across established programs and diversification. The trajectory shows mixed delivery with recent quarter-over-quarter decline but year-over-year growth consistent with management's stated focus.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Loan originations totaled $1.6 billion, compared to $1.7 billion prior quarter and $1.5 billion prior year.”
“FinWise delivered $1.7 billion in loan originations during the first quarter1% year over year.”
Implement a Board-authorized stock repurchase program to return capital to shareholders and reflect confidence in the business.
Complete integration of acquired Tallied credit card technology platform to own end-to-end card stack and capture full economics.
Newly stated in 2026-Q2. FinWise acquired the Tallied credit card platform with expected integration costs of $4 million over the next year. The acquisition is recent and integration is ongoing, so delivery is in early stages but aligned with management's strategic growth focus.
“FinWise acquired Tallied Technologies platform to own credit card issuance and processing end-to-end.”
Continue to improve efficiency ratio by increasing revenues from interest on growing credit enhanced loan balances.
Stated in 2 of last 2 quarters. Efficiency ratio improved significantly from 66.3% in 2026-Q1 to 53.1% in 2026-Q2, reflecting increased revenues from credit enhanced loans as management anticipated. The trajectory is delivering on this operational priority.
“Efficiency ratio was 53.1%, improved from 66.3% prior quarter and 59.5% prior year.”
“Efficiency ratio was 66.3%, expected to improve with increased revenues from credit enhanced loans.”
Sustain positive cash flow from operating activities to support business growth and capital needs.
Over the trailing year it converted 0.70x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
6 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.