FinWise Bancorp (FINW)

FinWise Bancorp's stock experienced a decline of 24.6% from the start of 2026, trading at $13.53 as of May 8, 2026. The company's Q1 2026 earnings missed analyst estimates, reporting $0.20 EPS and $24.33 million in revenue. Jim Noone was appointed as CEO of the holding company on April 8, 2026. FinWise Bancorp announced a BIN Sponsorship Agreement with Vera, Inc. on April 14, 2026. Analyst ratings have varied, with Wall Street Zen upgrading the stock to "hold" and Zacks Research downgrading it to "strong sell". In Q4 2025, the company generated total operating revenue of $46.9 million and net income of $3.9 million, or $0.27 per diluted share. The company reported EPS of $0.34 for Q3 2025, exceeding analyst expectations of $0.30.

Demand seasonality for FinWise Bancorp's products and services is influenced by its student lending programs, with loan originations varying quarterly due to academic cycles. Quarterly volumes for FinWise's strategic partners platform can vary with partner mix and the timing of new product launches. The company expects organic growth in credit enhanced balances, with growth skewed towards the middle and back half of the year. FinWise Bancorp reaffirmed a baseline of $1.4 billion in quarterly loan originations for 2026, with an annualized 5% growth rate.

FinWise Bancorp, established in 2000 and headquartered in Murray, Utah, operates as the holding company for FinWise Bank, delivering innovative banking solutions to underserved markets through technology. The company's core business segments include consumer lending, small business lending, commercial lending, deposit products, and technology-driven banking solutions like digital banking platforms and the Credit Enhanced Balance Sheet Program.

FinWise Bancorp operates primarily through FinWise Bank, a Utah state-chartered bank. While its commercial and residential real estate lending is concentrated around Salt Lake City, Utah, it is a nationwide lender attracting deposits from across the United States. The company is expanding its presence in new markets through fintech partnerships and operates one full-service banking location in Sandy, Utah.

FinWise Bancorp's brand reputation is tied to its financial performance, strategic partnerships, and role in the fintech space. The company is recognized for its rapid growth, innovative fintech solutions, and focus on compliance oversight. The recent Q1 2026 earnings miss and analyst downgrades could negatively impact investor confidence. Increased net charge-offs and a larger credit loss provision in Q4 2025 also affected profitability.

FinWise Bancorp has 57 institutional owners and shareholders, holding a total of 3,991,003 shares. Major institutional owners include Alliancebernstein L.p., Wasatch Advisors Inc, and BlackRock, Inc. Information on major individual owners was not explicitly detailed in the search results beyond general mentions of insider holdings.