FinWise Bancorp (FINW)

Over the past six months, FinWise Bancorp's stock price has declined. The stock decreased by 12.5% from January 1, 2026, to March 28, 2026. The share price on March 13, 2026, decreased by 10.95% from March 17, 2025. FinWise Bancorp reported Q4 2025 EPS of $0.27, missing estimates of $0.35, with revenue also falling short of expectations due to increased net charge-offs. In Q3 2025, SBA 7(a) loan originations declined due to seasonality and a federal government shutdown, and the provision for credit losses increased due to growth in credit-enhanced balances.

FinWise Bancorp experiences demand seasonality, with student lending programs undergoing seasonal deceleration, typically reversing in the third quarter. SBA 7(a) loan originations are also subject to typical third-quarter seasonality.

FinWise Bancorp (FINW) is a bank holding company operating through FinWise Bank and FinWise Investment, LLC, focusing on fintech within the banking and financial services sectors. It offers diverse loans, including consumer, SBA 7(a), commercial, commercial real estate, and residential real estate loans. The company specializes in Strategic Programs for fintech partners, utilizing API-driven infrastructure, and is expanding into Payments (MoneyRails™) and BIN Sponsorship. It also attracts nationwide deposits.

FinWise Bancorp is headquartered in Murray, Utah, with a single retail branch, but extends its lending and deposit services nationwide, while traditional community banking operations are primarily in Utah.

FinWise Bank has received positive recognition for its workplace environment, being named one of the 2025 Best Places to Work in Fintech. The company emphasizes its strong compliance oversight and risk management-first culture.

FinWise Bancorp has significant institutional ownership, with 87 institutional owners holding 4,125,158 shares as of March 13, 2026. Major institutional shareholders include Alliancebernstein L.p., Wasatch Advisors Inc, BlackRock, Inc., Vanguard Group Inc, US Bancorp \de, Geode Capital Management, Llc, Dimensional Fund Advisors Lp, and Siena Capital Partners GP, LLC. Key individual insiders with notable ownership include Kent Landvatter (CEO), Menachem Wilenkin, and Jarret Prussin.