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FinWise BancorpFINW -0.29%56 Earnings per Share (Diluted) is $0.96 as of Mar. 2026. GuruFocus rates FINW with a GF Score™ of 56/100 and a GF Value™ of $29.28 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,408 Banks companies, FinWise Bancorp ranks worse than 90.91% on this metric.
FinWise Bancorp's EPS (Basic) for the
three
months ended in Mar. 2026 was $0.21.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.02.
During the past 12 months, FinWise Bancorp's average EPS without NRIGrowth Rate was 19.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -16.80% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -13.20% per year.
During the past 7 years, FinWise Bancorp's highest 3-Year average EPS without NRI Growth Rate was 35.60% per year. The lowest was -34.70% per year. And the median was -8.15% per year.
FinWise Bancorp (NAS:FINW) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
FinWise Bancorp Earnings per Share (Diluted) Related Terms
FinWise Bancorp Earnings per Share (Diluted) Historical Data
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The historical data trend for FinWise Bancorp's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FinWise Bancorp Earnings per Share (Diluted) Chart
FINW vs UBAB, LARK, EBMT: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, FinWise Bancorp's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FinWise Bancorp PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's PE Ratio distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's PE Ratio falls into.
FinWise Bancorp Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
FinWise Bancorp's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.96
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.96 mean?
FinWise Bancorp (FINW) has a Earnings per Share (Diluted) of $0.96 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #1280 out of 1408 companies in the Banks industry, placing it in the top 90.9%.
Is FinWise Bancorp's Earnings per Share (Diluted) too high?
FinWise Bancorp's current Earnings per Share (Diluted) is $0.96. The Banks industry median Earnings per Share (Diluted) is 7.50. FinWise Bancorp's value of $0.96 is 87.2% below this industry median. Based on the distribution chart, FinWise Bancorp ranks #1280 out of 1408 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, FinWise Bancorp has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinWise Bancorp's Earnings per Share (Diluted) compare to UBAB and LARK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #1280 out of 1408 companies for Earnings per Share (Diluted). This places FinWise Bancorp in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. FinWise Bancorp's value of $0.96 is 87.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,408 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current Earnings per Share (Diluted) of $0.96 is 87.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current Earnings per Share (Diluted) is $0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinWise Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FinWise Bancorp (FINW) is currently considered Significantly Undervalued. The stock's GF Value™ is $29.28, compared to a current price of $13.90 — trading 52.5% below its estimated fair value. The current Earnings per Share (Diluted) is $0.96 and 87.2% below the Banks industry median of 7.50. FinWise Bancorp's overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Earnings per Share (Diluted) is $0.96 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FinWise Bancorp (FINW) Overvalued in 2026?
Based on GuruFocus' analysis, FinWise Bancorp stock appears to be undervalued.
The current stock price of $13.90 is trading 52.5% below its estimated GF Value™ of $29.28.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
Earnings per Share (Diluted): $0.96
GF Value™: $29.28 vs. price of $13.90 (52.5% below fair value)
Industry Position: 87.2% below the Banks median (#1280 of 1408)
No single metric tells the full story. See the FINW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinWise Bancorp is an independent bank that provides a full range of banking services to individual and commercial customers. The bank's primary source of revenue is from loans, including Small Business Administration, commercial, commercial real estate, residential real estate, and consumer. The Bank has also established Strategic Programs with various third-party loan origination platforms that use technology to streamline the origination of unsecured consumer and secured or unsecured business loans to borrowers within certain approved credit profiles.
56GF Score
Get the complete analysis for FINW
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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