FinWise Bancorp (NAS:FINW) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
FinWise Bancorp Forward PE Ratio Related Terms
FinWise Bancorp Forward PE Ratio Historical Data
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The historical data trend for FinWise Bancorp's Forward PE Ratio 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 Forward PE Ratio Chart
FinWise Bancorp Annual Data
Trend
2024-12
2025-12
Forward PE Ratio
17.76
10.05
FinWise Bancorp Quarterly Data
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
17.76
15.53
13.85
12.58
10.05
9.45
FINW vs FOTB, PBNC, CBTN: Forward PE Ratio Comparison
For the Banks - Regional subindustry, FinWise Bancorp's Forward PE Ratio, along with its competitors' market caps and Forward 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
FinWise Bancorp (FINW) has a Forward PE Ratio of 12.39 as of Jul. 12, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #557 out of 817 companies in the Banks industry, placing it in the top 68.2%.
Is FinWise Bancorp's Forward PE Ratio too high?
FinWise Bancorp's current Forward PE Ratio is 12.39. The Banks industry median Forward PE Ratio is 11.08. FinWise Bancorp's value of 12.39 is 11.8% above this industry median. Based on the distribution chart, FinWise Bancorp ranks #557 out of 817 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 Forward PE Ratio compare to FOTB and PBNC?
According to the Banks industry distribution chart, FinWise Bancorp ranks #557 out of 817 companies for Forward PE Ratio. This places FinWise Bancorp in the lower half of its industry. The industry median Forward PE Ratio is 11.08. FinWise Bancorp's value of 12.39 is 11.8% 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 Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.08, based on 817 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current Forward PE Ratio of 12.39 is 11.8% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median Forward PE Ratio is 11.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current Forward PE Ratio is 12.39. 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 $28.52, compared to a current price of $13.85 — trading 51.4% below its estimated fair value. The current Forward PE Ratio is 12.39 and 11.8% above the Banks industry median of 11.08. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Forward PE Ratio is 12.39 as of Jul. 12, 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 $13.85 is trading 51.4% below its estimated GF Value™ of $28.52.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
Forward PE Ratio: 12.39
GF Value™: $28.52 vs. price of $13.85 (51.4% below fair value)
Industry Position: 11.8% above the Banks median (#557 of 817)
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
Get the complete analysis for FINW
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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