FinWise BancorpFINW -1.56%57 EV-to-FCF is 12.13 as of Jul. 05, 2026, which is 5174% above its 10-year median of 0.23. GuruFocus rates FINW with a GF Score™ of 57/100 and a GF Value™ of $28.25 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,196 Banks companies, FinWise Bancorp ranks worse than 68.65% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FinWise Bancorp's Enterprise Value is $106.1 Mil.
FinWise Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $8.7 Mil. Therefore, FinWise Bancorp's EV-to-FCF for today is 12.13.
The historical rank and industry rank for FinWise Bancorp's EV-to-FCF or its related term are showing as below:
FINW'
s EV-to-FCF Range Over the Past 10 Years
Min: -15.67 Med: 0.23 Max: 4030.51
Current: 12.13
During the past 7 years, the highest EV-to-FCF of FinWise Bancorp was 4030.51. The lowest was -15.67. And the median was 0.23.
FINW's EV-to-FCF is ranked worse than 68.65% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FINW: 12.13
EV-to-FCF 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-FCF 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 $14.49.
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 $1.100.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FinWise Bancorp EV-to-FCF Related Terms
FinWise Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FinWise Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's EV-to-FCF falls into.
FinWise Bancorp's current Enterprise Value is $106.1 Mil.
FinWise Bancorp's Free Cash Flow 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 $8.7 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-FCF of 12.13 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FinWise Bancorp and its competitors. This is 5174% above median its historical median of 0.23. According to the industry distribution chart, FinWise Bancorp ranks #821 out of 1196 companies in the Banks industry, placing it in the top 68.6%.
Is FinWise Bancorp's EV-to-FCF too high?
FinWise Bancorp's current EV-to-FCF of 12.13 is 5174% above median its 10-year median of 0.23. The Banks industry median EV-to-FCF is 6.57. FinWise Bancorp's value of 12.13 is 84.8% above this industry median. Based on the distribution chart, FinWise Bancorp ranks #821 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, FinWise Bancorp has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinWise Bancorp's EV-to-FCF compare to FOTB and PBNC?
According to the Banks industry distribution chart, FinWise Bancorp ranks #821 out of 1196 companies for EV-to-FCF. This places FinWise Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. FinWise Bancorp's value of 12.13 is 84.8% above this benchmark. While the company's 10-year median is 0.23 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current EV-to-FCF of 12.13 is 84.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current EV-to-FCF is 12.13, which is 5174% above median its own 10-year median of 0.23. 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 $28.25, compared to a current price of $14.49 — trading 48.7% below its estimated fair value. The current EV-to-FCF is 12.13, which is 5174% above median its 10-year median of 0.23 and 84.8% above the Banks industry median of 6.57. FinWise Bancorp's overall GF Score™ is 57/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current EV-to-FCF is 12.13 as of Jul. 05, 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 $14.49 is trading 48.7% below its estimated GF Value™ of $28.25.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
EV-to-FCF: 12.13 (5174% above median its 10-year median of 0.23)
GF Value™: $28.25 vs. price of $14.49 (48.7% below fair value)
Industry Position: 84.8% above the Banks median (#821 of 1196)
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.
57GF Score
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