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FinWise BancorpFINW -3.65%65 EV-to-OCF is 7.63 as of Aug. 11, 2026, which is 3533% above its 10-year median of 0.21. GuruFocus rates FINW with a GF Score™ of 65/100 and a GF Value™ of $26.10 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,499 Banks companies, FinWise Bancorp ranks worse than 62.58% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FinWise Bancorp's Enterprise Value is $98.4 Mil.
FinWise Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $12.9 Mil. Therefore, FinWise Bancorp's EV-to-OCF for today is 7.63.
The historical rank and industry rank for FinWise Bancorp's EV-to-OCF or its related term are showing as below:
FINW'
s EV-to-OCF Range Over the Past 10 Years
Min: -30.2 Med: 0.21 Max: 33.39
Current: 7.63
During the past 7 years, the highest EV-to-OCF of FinWise Bancorp was 33.39. The lowest was -30.20. And the median was 0.21.
FINW's EV-to-OCF is ranked worse than 62.58% of 1499
companies
in the Banks industry
Industry Median: 4
vs FINW: 7.63
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FinWise Bancorp's PE Ratio (TTM) for today is calculated as:
FinWise Bancorp's share price for today is $13.71.
FinWise Bancorp's 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 $0.960.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FinWise Bancorp EV-to-OCF Related Terms
FinWise Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for FinWise Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, FinWise Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's EV-to-OCF falls into.
FinWise Bancorp's current Enterprise Value is $98.4 Mil.
FinWise Bancorp's Cash Flow from Operations 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 $12.9 Mil.
* 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 (FINW) has a EV-to-OCF of 7.63 as of Aug. 11, 2026. This is 3533% above median its historical median of 0.21. According to the industry distribution chart, FinWise Bancorp ranks #938 out of 1499 companies in the Banks industry, placing it in the top 62.6%.
Is FinWise Bancorp's EV-to-OCF too high?
FinWise Bancorp's current EV-to-OCF of 7.63 is 3533% above median its 10-year median of 0.21. The Banks industry median EV-to-OCF is 4.00. FinWise Bancorp's value of 7.63 is 90.8% above this industry median. Based on the distribution chart, FinWise Bancorp ranks #938 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, FinWise Bancorp has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinWise Bancorp's EV-to-OCF compare to UBAB and LARK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #938 out of 1499 companies for EV-to-OCF. This places FinWise Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.00. FinWise Bancorp's value of 7.63 is 90.8% above this benchmark. While the company's 10-year median is 0.21 vs. the industry median of 4.00, FinWise Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current EV-to-OCF of 7.63 is 90.8% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current EV-to-OCF is 7.63, which is 3533% above median its own 10-year median of 0.21. 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 $26.10, compared to a current price of $13.71 — trading 47.5% below its estimated fair value. The current EV-to-OCF is 7.63, which is 3533% above median its 10-year median of 0.21 and 90.8% above the Banks industry median of 4.00. FinWise Bancorp's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current EV-to-OCF is 7.63 as of Aug. 11, 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 $13.71 is trading 47.5% below its estimated GF Value™ of $26.10.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
EV-to-OCF: 7.63 (3533% above median its 10-year median of 0.21)
GF Value™: $26.10 vs. price of $13.71 (47.5% below fair value)
Industry Position: 90.8% above the Banks median (#938 of 1499)
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.
65GF Score
Get the complete analysis for FINW
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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