MARKET WIRESeekingAlpha • 1d ago
FinWise Bancorp 2026 Q3 - Results - Earnings Call Presentation2026-10-31. The following slide deck was published by FinWise Bancorp in conjunction with their 2026 Q3 earnings call.
Why FINW Stock slipped -1.05% Today — RQD Quant Desk Flash
$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.
ROARABLE D • SELL / AVOID
Cap $185.1M
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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.
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INTERACTIVE SCENARIO DECK:
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
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+
Each axis scored 0–20
12M PRICE TARGET CONE-4.9% Base Target
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)Grade E$10.99-2.8% Next Q
39
Q2 (-2Q)Grade D$10.68+0.7% Next Q
42
Q3 (-1Q)Grade D$10.76+22.6% Next Q
44
CurrentGrade D$13.19-5.9% Hist 90D α
47
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FINW Stock slipped -1.05% Today — RQD Quant Desk Flash
FinWise Bancorp (FINW) slipped -1.05% to $13.19, trading at 35% of its 52-week range ($9.58 – $19.86). Stretched risk/reward at 12x P/E (8% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 35% of its 52-week range ($9.58 – $19.86) with RSI-14 at 72.6 (OVERBOUGHT (>70)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±10.8% around $13.19 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $0 annual free cash flow.
Live FINW Headlines & Catalysts
CATALYSTYahoo • 3d ago
FinWise Bancorp (FINW) Stock Jumps On Q3 Earnings But Gain Quality MattersFinWise Bancorp just dropped its Q3 2026 report into a market already leaning positive, and the stock exploded 23.2% in the latest session to US$13.33. The immediate question for you is whether that jump reflects clear t
MARKET WIREYahoo • 3d ago
FinWise Bancorp Q3 2026 Earnings Call SummaryMoby summary of FinWise Bancorp's Q3 2026 earnings call
CATALYSTYahoo • 4d ago
FinWise (FINW) Q3 2026 Earnings Call TranscriptCredit-enhanced loan balances surged 97% as net income hit $10 million.
MARKET WIREYahoo • 4d ago
What FinWise Bancorp (FINW) Said on Its Q3 Earnings CallFinWise Bancorp (NASDAQ:FINW) reported third-quarter 2026 net income of $10 million, or $0.73 per diluted share, as loan originations rose and its credit-enhanced lending portfolio expanded. Continuing operations generat
MARKET WIRESeekingAlpha • 4d ago
FinWise Bancorp (FINW) Q3 2026 Earnings Call TranscriptFinWise Bancorp (FINW) Q3 2026 Earnings Call October 28, 2026 5:00 PM EDTCompany ParticipantsJuan Arias - EVP & Chief Strategy OfficerJames Noone -...
MARKET WIREYahoo • 4d ago
FinWise Bancorp Reports Third Quarter 2026 Results- Loan Originations of $2.1 Billion -- Net Income of $10.0 Million -- Diluted Earnings Per Share of $0.73 - MURRAY, Utah, Oct. 28, 2026 (GLOBE NEWSWIRE) -- FinWise Bancorp (NASDAQ: FINW) (“FinWise”, the “Company”, “we”,
MARKET WIREBenzinga • 4d ago
FinWise Q3 2026 Earnings Call TranscriptFinWise (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
CATALYSTBenzinga • 4d ago
FinWise Q3 EPS $0.73 Beats $0.23 Estimate, Sales $102.743M Beat $46.090M EstimateFinWise (NASDAQ:FINW) reported quarterly earnings of $0.73 per share which beat the analyst consensus estimate of $0.23 by 217.39 percent. This is a 114.71 percent increase over earnings of $0.34 per share from the same
CATALYSTYahoo • 7d ago
New Strong Sell Stocks for October 26thFNF, FINW and PEGA have been added to the Zacks Rank #5 (Strong Sell) List on October 26th, 2026.
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
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FINW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 0001856365In 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 ENABLEDIs 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 × FREDWhy is FINW stock moving today?
Why FINW Stock slipped -1.05% Today — RQD Quant Desk Flash. Stretched risk/reward at 12x P/E (8% return on capital) under elevated 10-year interest-rate pressure.