The historical rank and industry rank for FinWise Bancorp's FCF Margin % or its related term are showing as below:
FINW'
s FCF Margin % Range Over the Past 10 Years
Min: -26.43 Med: -14.49 Max: 60.75
Current: 5.83
During the past 7 years, the highest FCF Margin % of FinWise Bancorp was 60.75%. The lowest was -26.43%. And the median was -14.49%.
FINW's FCF Margin % is ranked worse than 70.23% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FINW: 5.83
FinWise Bancorp FCF Margin % Related Terms
FinWise Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for FinWise Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 46.09% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #1057 out of 1505 companies in the Banks industry, placing it in the top 70.2%.
Is FinWise Bancorp's FCF Margin % too high?
FinWise Bancorp's current FCF Margin % is 46.09%. The Banks industry median FCF Margin % is 26.55. FinWise Bancorp's value of 46.09% is 73.6% above this industry median. Based on the distribution chart, FinWise Bancorp ranks #1057 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, FinWise Bancorp has a GF Score™ of 64/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinWise Bancorp's FCF Margin % compare to CZWI and SABK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #1057 out of 1505 companies for FCF Margin %. This places FinWise Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. FinWise Bancorp's value of 46.09% is 73.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current FCF Margin % of 46.09% is 73.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current FCF Margin % is 46.09%. 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 $27.98, compared to a current price of $14.50 — trading 48.2% below its estimated fair value. The current FCF Margin % is 46.09% and 73.6% above the Banks industry median of 26.55. FinWise Bancorp's overall GF Score™ is 64/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current FCF Margin % is 46.09% 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 $14.50 is trading 48.2% below its estimated GF Value™ of $27.98.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
FCF Margin %: 46.09%
GF Value™: $27.98 vs. price of $14.50 (48.2% below fair value)
Industry Position: 73.6% above the Banks median (#1057 of 1505)
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.
64GF Score
Get the complete analysis for FINW
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FINW has been successfully added to your 
