Finwise Bancorp (FINW)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$13.670.00%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FINW
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -21.1% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 79.3% |
Growth built into the price is above our model estimate.
The price assumes 100.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
FINW — earnings miss
Dated 2026-07-29
Results of Operations and Financial Condition,” including Exhibit 99.1 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.
Why it matters: Good integration can help FinWise's market position. It can also increase revenue.
Supportive ifFinWise says it will successfully integrate the Tallied platform by Q4 2026.
Worry ifThere may be integration problems or delays by Q4 2026.
Why it matters: Starting share buybacks shows management trusts the company's value and future.
Supportive ifThere was a public announcement of share buybacks.
Worry ifNo share repurchases announced by the end of the program's initial phase.
Why it matters: Updates on integration costs will show how well FinWise is managing its acquisition. This affects future profits.
Watch forIntegration costs are below $4 million for the next year. This shows good management.
Also watch forIntegration costs are over $4 million. This suggests problems with the acquisition.
Why it matters: FinWise is weighing whether to keep these balances. Keeping them adds interest and interchange income, but also leaves FinWise with the credit risk.
Watch forFinWise reports it will keep the roughly $50 million balance and reports its losses or income from those loans.
Also watch forFinWise reports a sale or other plan to move the roughly $50 million balance off its books.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$105 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $309 loss on $10,000 · 3.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,566 loss on $10,000 · 45.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: If loan originations keep falling, it may show weak demand or problems.
Worry ifLoan originations for Q3 drop below $1.6 billion.
Less concerning ifLoan originations for Q3 stay steady or rise above $1.6 billion.
Why it matters: A drop in revenue growth would signal a weakening trend in the financial sector.
Worry ifRevenue growth falls below the median of 15% over the last three years.
Less concerning ifRevenue growth remains at or above the median of 15%.
Why it matters: If loan originations stabilize or grow, it shows FinWise is managing growth well. This is important for future earnings.
Supportive ifLoan originations in Q3 are over $1.6 billion. This shows growth or stability.
Worry ifLoan originations are below $1.6 billion. This shows a continued decline.
Why it matters: Starting the repurchase program signals confidence in the stock and can support share price.
Supportive ifThe company announces share buybacks under the program.
Worry ifNo share buybacks happen. This shows possible lack of confidence.
Why it matters: The board approved a plan for up to 685,000 shares, but it does not require any purchases. Filings can show whether FinWise uses cash for buybacks.
Supportive ifA company filing reports share repurchases under the plan, with the number of shares and cash spent.
Worry ifA company filing reports no share repurchases, or the company suspends or ends the plan.
Why it matters: Progress on the repurchase program may show management's trust in the company's worth.
Supportive ifFinWise announces share buybacks under the program.
Worry ifNo share buybacks happen or management stops the program.
Why it matters: A better efficiency ratio means better cost control and more revenue.
Supportive ifEfficiency ratio is below 53.1%. This shows better cost management.
Worry ifEfficiency ratio is above 53.1%. This suggests costs are rising.
Why it matters: Share buybacks can help stock price. They also show that management trusts the company.
Supportive ifFinWise announces buyback of shares in Q3 2026.
Worry ifNo share repurchases reported by the end of Q3 2026.
Why it matters: Tallied adds card fees and interest that FinWise once shared with a vendor. The deal also brings costs and more credit risk.
Watch forThe Q3 report shows counted transition costs within the stated $4.0 million total. It also reports card fee or interest income.
Also watch forThe report shows costs above the $4.0 million total, or a service break or card credit loss tied to the platform.
Why it matters: Positive cash flow shows financial health and stability. It can support future investments.
Supportive ifCash from operations remains above $15 million in Q2.
Worry ifCash from operations drops below $10 million in Q2.