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Stock Ratings / Financials / FINW / earnings
SBFG (71) LARK (57) EBMT (71) CBFV (62) ⌘ Pro Terminal →

FinWise Bancorp (FINW) Next Earnings Date & Expected ±10.8% Move

$13.19 -1.05% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.14

FinWise Bancorp (FINW) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE D • SELL / AVOID Cap $185.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FINW Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FINW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, FinWise Bancorp (NASDAQ: FINW) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $13.19 (-1.05% 1D, market cap $185.1M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, FINW ranks #764 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FINW compare to SBFG and LARK in the Financials sector?
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Within the Financials sector (Major Banks), FINW carries a Roarable D (47/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.3%. By comparison, SBFG (SB Financial Group Inc.) holds a B- grade (71/100 RQD, P/E 14.0x, ROIC 9.9%, cap $195.2M) and LARK (Landmark Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E N/A, ROIC 0.0%, cap $196.9M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FINW?
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Per FINW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001856365), FinWise Bancorp generated $0 in revenue, $16.1M in net income, and -$28.6M in free cash flow against $977.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.14 (-0.38%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510047
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+
Cash (5)Whales (14)SEC (10)Macro (11)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-4.9% Base Target
$21 Bull$13 Base$10 Bear
📬 FREE FINW RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FINW)Realized 20D OHLCV Swing Band: ±10.8%
Deterministic 5-Pillar Attribution (47/100 Composite)
🔍 WHY FINW SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (30% of score)

20D Institutional Volume Accumulation (±10.8% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+11/20 pts (23% of score)

FRED Regime × Technicals: 35% of 52W Range • RSI-14 at 72.6 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
39
Grade E$10.99-2.8% Next Q
Q2 (-2Q)
42
Grade D$10.68+0.7% Next Q
Q3 (-1Q)
44
Grade D$10.76+22.6% Next Q
Current
47
Grade D$13.19-5.9% Hist 90D α
Trajectory: E (39) → D (47)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FINW Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FINW currently carries a cautious 47/100 (D) rating due to Cash Engine Quality (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.12) and Max Pain ($13.85) forces dealer call-delta covering toward $20.85.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FINW• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FINW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 47%NO 53%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±10.8% Swing Band

±$1.42 Expected Swing
$11.77 (-10.8%)Spot $13.19$14.61 (+10.8%)
MODEL EARNINGS SETUP GAUGE

FINW Quantitative Pre-Earnings Setup: 47/100

Trailing EPS: $1.16 • YoY Revenue Growth: 12.4%

Model Bullish Setup (47/100)Model Risk Weight (53/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0$16.1M-$28.6M52%
FY 20242024-12-31$0$12.7M-$16.1M52%
FY 20232023-12-31$0$17.5M$12.3M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FINW)

  • ✓Walkthrough of FINW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FINW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -15.18%▲ RESISTANCE BREAKOUT
2026-10-30O $13.00H $13.83L $12.36C $13.19VOL 75.6K
RES: $13.06SUP: $9.12SMA50: $12.12SMA200: $14.55
$18.39$16.00$13.61$11.23$8.84RES $13.06SUP $9.12$13.192026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FINW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FINW Butterfly Map → + Track FINW →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
1.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FINW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FINW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FINW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FINW)

Financials Rank #764 of 1096 ⚔️ SBFG vs FINW Full Matrix →

1. Head-to-Head Financials Peer Comparison (FINW vs. SBFG, LARK, EBMT, CBFV)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, FinWise Bancorp (FINW) ranks #764 by composite RQD confidence (47/100, grade D) and #898 by equity capitalization ($185.1M). Within this direct 5-issuer industry benchmark cohort, FINW leads on earnings valuation at 11.5x trailing P/E, while SBFG leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. SBFG currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FINW at 47/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FINW ACTIVE
FinWise Bancorp
D 47/100 11.5x — 8.3% -1.05% $185.1M Benchmark Subject
SBFG
SB Financial Group Inc.
B- 71/100 14.0x — 9.9% -1.06% $195.2M /sbfg-vs-finw →
LARK
Landmark Bancorp Inc.
D+ 57/100 — — 0.0% -0.62% $196.9M /lark-vs-finw →
EBMT
Eagle Bancorp Montana Inc.
B- 71/100 11.5x — 7.7% -0.70% $170.1M /ebmt-vs-finw →
CBFV
CB Financial Services Inc.
C 62/100 41.7x — 3.1% -1.34% $204.3M /cbfv-vs-finw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001856365

In its most recent audited fiscal period (FY2025, filed 2025-12-31), FinWise Bancorp (FINW) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $16.1M, operating cash flow of -$28.4M, and free cash flow of -$28.6M (-78.3% YoY). On the balance sheet, FINW closed FY2025 with $977.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $16.1M -$28.4M -$28.6M $977.1M —
FY2024 (FY) 2024-12-31 $0 $12.7M -$15.0M -$16.1M $746.0M —
FY2023 (FY) 2023-12-31 $0 $17.5M $12.3M $12.3M — —

3. FINW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FINW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, FinWise Bancorp (NASDAQ: FINW) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $13.19 (-1.05% 1D, market cap $185.1M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, FINW ranks #764 in composite RQD confidence.

How does FINW compare to SBFG and LARK in the Financials sector?

Within the Financials sector (Major Banks), FINW carries a Roarable D (47/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.3%. By comparison, SBFG (SB Financial Group Inc.) holds a B- grade (71/100 RQD, P/E 14.0x, ROIC 9.9%, cap $195.2M) and LARK (Landmark Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E N/A, ROIC 0.0%, cap $196.9M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FINW?

Per FINW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001856365), FinWise Bancorp generated $0 in revenue, $16.1M in net income, and -$28.6M in free cash flow against $977.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FINW trading relative to its 50-day, 200-day, and 52-week technical levels?

FINW last traded at $13.19 (-1.05% on volume of 75,602 shares), positioning the stock +8.83% above its 50-day simple moving average ($12.12) and -9.35% below its 200-day simple moving average ($14.55). Across its 52-week range of $9.58 to $19.86, FINW sits at the 35.1% percentile with a 14-day RSI of 72.6 (OVERBOUGHT (>70)) and an implied next-earnings move of ±10.8% ($11.77 to $14.61).

FINW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FINW's next earnings date?

Based on SEC filing cadence, FinWise Bancorp (FINW)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FINW stock expected to move on earnings?

Volatility modeling currently projects a ±10.8% event move for FINW, spanning a range between $11.77 and $14.61.

Direct Sub-Reports: FINW RQD Cockpit FINW 12M Forecast FINW Earnings & Move FINW Dividends & DRIP FINW Insiders & 13F FINW Whale Options FINW Profit Sankey FINW News & Why
ROARABLE RATING BRIEF • RQD 47/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FINW — FinWise Bancorp: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline
As of: 2026-11-02T14:25Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, FinWise Bancorp (FINW) carries a composite score of 47/100 (D — Roarable Sell — Underperform / Distribution Warning) at a current price of $13.19 (-1.05%). Fundamental cash generation scores 5/20 (ROIC 8.3%, FCF yield -15.48%), institutional 13F whale accumulation scores 14/20, insider conviction scores 7/20, macro regime alignment scores 11/20 (Beta 1.00), and forensic balance-sheet protection scores 10/20 (Altman Z-Score N/A, Piotroski F-Score 2/9).

Investor Implication: At 11.5x trailing P/E and 10.7x forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $9.58 – $19.86.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Major Banks (Financials), FINW is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

FINW Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for FinWise Bancorp (FINW) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FINW Debate Forum (3) ↓
🟡 MARKET WIRE Benzinga • 4d ago
FinWise Q3 2026 Earnings Call Transcript

FinWise (NASDAQ:FINW) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs. For

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FINW Bull vs. Bear Conversation Board — What's Your Call at $13.19?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FINW 🐻 50% BEARISH CONVICTION
1. Pick Your Side on FINW:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $14.25 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FINW (D • RQD 47/100) a Buy at $13.19?

Welcome to the FINW (FinWise Bancorp) Roar Pit. Current RQD Composite is 47/100 (Roarable Sell — Underperform / Distribution Warning) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $10.02 (-24.0%)
Spot @ $13.19

Pump the brakes on FINW — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FINW, but look at what you are paying: 11.5x trailing P/E with tightening sector spreads. Unless FinWise Bancorp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $15.43 (+17.0%)
Spot @ $13.19

FINW cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FINW, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $13.19 (52-wk range $9.58 - $19.86), any beat on forward guidance forces shorts and underweight funds to chase.

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