FinWise Bancorp (FINW) Fair Value 2026

FINW · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

WARN (42/100)

Quick Summary — As of 2026-08-27, FinWise Bancorp (FINW) trades at $13.90, versus a $13.84 median fair value across its 5 active models — 0.5% below the current price. QOC: 7.1/10. Value Trap Risk: 42/100 (WARN). 5/13 models active.

Key Facts

Ticker
FINW
Price
$13.90
Quality Score
7.1/10
Value Trap Risk
42/100
Models Active
5/13
Last Updated
Strength: Earnings Power Value suggests +1.7% upside with 67% confidence
Risk: Value Trap score of 42 suggests caution despite apparent undervaluation

Is FinWise Bancorp (FINW) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, FinWise Bancorp (FINW) appears fairly valued as of : the median of 5 independent fair value estimates is $13.84, essentially in line with the current price of $13.90. Estimates range from $8.67 to $16.06. FINW scores 7.1/10 on fundamental quality and 42/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. FINW’s -0.5% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy FinWise Bancorp Stock in 2026? →

What Fair Value Does Each Model Give FINW?

5 Intrinsic Value Models vs. Current Price ($13.90)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $14.15 +1.7%
Ensemble · Medium Conviction
 $13.06 -6.1%
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What Is FINW's Fair Value Range?

Spread across 5 independent models · $8.67 to $16.06

CirclFi's 5 active models place FinWise Bancorp (FINW) between $8.67 and $16.06 per share, a spread of 53% of the median. The median of that range — $13.84 — is the fair value CirclFi publishes for FINW, against a current price of $13.90.

Low · ML-RIVHigh · Regime Cross
$8.67median $13.84$16.06
Where the range comes from
Most bearish modelML Residual Income$8.67
Most bullish modelRegime Cross-Sectional$16.06
Model agreement1 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on FINW, not a CirclFi price target. How each model works →

What Is FinWise Bancorp (FINW) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, FinWise Bancorp presents a highly debated valuation profile at its current price of $13.91. The median intrinsic value is estimated at $13.84 (-0.5% median upside), masking a wide model spread between the 1 bullish models and 2 bearish models. Model dispersion is worth noting: Regime Cross targets $16.06 (+15.5%), versus ML-RIV at $8.67 (-37.7%). This +53.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About FINW?

5 of 13 models are currently active for FINW. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for FINW is $13.84 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FINW Rank in Banks - Regional?

Among 349 Banks - Regional stocks, FINW ranks #295 by Quality of Company score. CirclFi's QOC score of 7.1/10 evaluates 32 fundamental signals. A score of 7.1 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

FinWise Bancorp's positioning within the Banks - Regional segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is FINW a Value Trap?

CirclFi's Value Trap algorithm assigns FINW a score of 42/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for FinWise Bancorp. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, FinWise Bancorp earns a quality score of 7.1/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency. Our Value Trap detector shows moderate caution signals worth monitoring.

The gap between the most bullish and bearish model spans +53.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FINW valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FINW's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy FinWise Bancorp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

MCHBMechanics BancorpQOC 7.1BRBSBlue Ridge Bankshares, Inc.QOC 7.1GBFHGBank Financial Holdings Inc.QOC 7.2CIBGrupo Cibest S.A.QOC 7.1KRNYKearny Financial Corp.QOC 7.2FCCOFirst Community CorporationQOC 7.0BMABanco Macro S.A.QOC 8.6RRBIRed River Bancshares, Inc.QOC 8.2EMYBEmbassy Bancorp, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: MCHB · BRBS · GBFH · CIB · KRNY · FCCO · BMA · RRBI · EMYB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to FINW?

7 companies across all industries closest to FINW’s Quality of Company score of 7.1/10.

BRLTBrilliant Earth Group, Inc.QOC 7.1KKRKKR & Co. Inc.QOC 7.1PHGKoninklijke Philips N.V.QOC 7.1KIDSOrthoPediatrics Corp.QOC 7.1AMTMAmentum Holdings, Inc.QOC 7.1IRWDIronwood Pharmaceuticals, Inc.QOC 7.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BRLT · KKR · PHG · KIDS · AMTM · IRWD · NVDA

Where Does FINW Sit in CirclFi's Banks - Regional Rankings?

FINW is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About FinWise Bancorp’s Valuation?

What is FinWise Bancorp's intrinsic value in 2026?

CirclFi puts FinWise Bancorp (FINW)'s intrinsic value at $13.84 — the median of 5 independent model estimates as of 2026-08-27, ranging from $8.67 to $16.06. The Quality of Company score is 7.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FINW overvalued or undervalued right now?

At $13.90, 2 of 5 active models suggest FINW may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $13.84, essentially in line with the current price of $13.90 — a consensus view that FINW is fairly valued. The assessment depends on which methodology best fits FinWise Bancorp's business model in Banks - Regional.

What does a Quality of Company score of 7.1 mean for FINW?

FinWise Bancorp's QOC of 7.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FINW?

CirclFi analyzes FINW with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FINW?

Of the 5 models currently active on FINW, Regime Cross-Sectional is the most bullish at $16.06 per share, and ML Residual Income is the most bearish at $8.67. CirclFi's published fair value for FINW is the median of that range, $13.84, not either extreme. The gap between the two ends equals 53% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is FINW a value trap in 2026?

FinWise Bancorp's Value Trap score is 42/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, FinWise Bancorp (FINW) has a median fair value of $13.84 — essentially in line with the current price of $13.90 — as of 2026-08-27.” Source: circlfi.com/stock/FINW/ · Methodology
Primary sources for this FINW valuation
  • Financial statements: FinWise Bancorp 10-K and 10-Q filings on SEC EDGAR (CIK 0001856365) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FINW as of ; valuations recomputed .

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