FinWise Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from FinWise Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 46% in 3 years, but profit fell: $22 less profit per $100 of extra sales. Lower than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$22Sales grew 46% in 3 years, but profit fell: $22 less profit per $100 of extra sales.
Lower than 86% of Financial Services companies in United States.
Asset Productivity Ratio
+46% / +144%In 3 years sales changed by +46% while total assets changed by +144%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
FinWise Bancorp owes $0.78 for every $1 it owns. Net profit rose 26% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.9Investors pay $10.9 for every $1 of FinWise Bancorp's yearly profit, lower than 70% of Financial Services companies in United States.
P/B ratio
0.73The share price is 0.73 times FinWise Bancorp's book value per share, lower than 89% of Financial Services companies in United States.
Market cap
$146 MThe total market value of all of FinWise Bancorp's shares at today's price (share price × number of shares), smaller than 86% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$199 MWhat FinWise Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$14.35Net worth divided by the number of shares. The share price of $10.50 is 0.7 times this, which is the P/B above.
Return on equity (ROE)
7.2%FinWise Bancorp earned 7.2% on its shareholders' money over the last year, lower than 68% of Financial Services companies in United States.
Owes vs Owns
0.78×FinWise Bancorp owes $0.78 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneFinWise Bancorp does not currently pay a dividend.
Revenue growth
+58%Revenue rose 58% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Profit growth
+26%Net profit rose 26% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Profit margin
12.4%FinWise Bancorp keeps $12 of every $100 of revenue as net profit.
Questions
What is FinWise Bancorp's P/E ratio?
Investors pay $10.9 for every $1 of FinWise Bancorp's yearly profit, lower than 70% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For FinWise Bancorp: $146 M ÷ $199 M (30 Jun 2026) = 0.7.
What is FinWise Bancorp's return on equity?
FinWise Bancorp earned 7.2% on its shareholders' money over the last year, lower than 68% of Financial Services companies in United States.
How much does FinWise Bancorp owe compared with what it owns?
FinWise Bancorp owes $0.78 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does FinWise Bancorp pay a dividend?
No. FinWise Bancorp does not currently pay a dividend.
Is FinWise Bancorp's revenue growing?
Revenue rose 58% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.