FINW Stock Analysis: Buy, Sell, or Hold?
FINW - FinWise Bancorp Common
$13.99
-0.02 (-0.11%)
âŧ
5d:
-0.89%
30d:
-1.79%
90d:
-4.6%
WAIT
LOW Confidence
Analysis Updated: Sep 4, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: FINW is fairly priced but lacks strong directional signals. At 13.8% expected growth, valuation appears stretched. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: FINW is fairly priced but lacks strong directional signals. At 13.8% expected growth, valuation appears stretched. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$18.55
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$11.52
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FINW is currently trading at $13.98, which is considered fair relative to its 30-day fair value range of $13.81 to $14.14. From a valuation perspective, the stock is trading at a premium (Forward PE: 13.4) compared to its historical average (9.1). At these levels, the market is pricing in 13.8% annual earnings growth.
Technical Outlook: Technically, FINW is in a downtrend. The price is currently testing key support at $13.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $17.00 (+21.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FINW is in a downtrend. The price is currently testing key support at $13.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $17.00 (+21.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$13.81 -
$14.14
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.4% below Wall St target ($17.00)
- BULLISH: Expecting earnings turnaround to 13.8% growth with 55.7% revenue growth
- WARNING: Composite score 48/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$13.81 -
$14.14
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$13.61
Resistance Level
$14.34
Current Trend
Downtrend
Technical data as of
Sep 4, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.38
Wall Street Target
$17.00
(+21.4%)
Revenue Growth (YoY)
55.7%
Earnings Growth (YoY)
-48.3%
Profit Margin
11.7%
Valuation Premium vs History
+13.8% premium
PE vs Historical
13.4 vs 9.1
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+13.8%
(market-implied from PE analysis)
1-Year Target
$15.93
(+14%)
2-Year Target
$18.13
(+30%)
3-Year Target
$20.63
(+47%)
3-Yr Target (if PE normalizes)
(PE: 13â9)
PE COMPRESSION
$14.04
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 45.4%)
$65.06
(+365%)
Base:
(SPY PE: 13.4, Growth: 45.4%)
$43.01
(+207%)
Bear:
(PE: 9.1, Growth: 45.4%)
$29.26
(+109%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 14.52 | Current EPS (TTM): $0.97
Bull Case
$16.71
(+19%)
Analyst growth 7.9%, PE expands to 16.0
Base Case
$15.19
(+9%)
Market implied 7.9%, PE stable at 14.5
Bear Case
$9.57
(-32%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 04, 2026 4:45 PM ET
Data refreshes hourly during market hours. Next update: 5:45 PM
Data refreshes hourly during market hours. Next update: 5:45 PM
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Technical Signals Check
Is FINW showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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