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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. FinWise Bancorp's Total Liabilities for the quarter that ended in Mar. 2026 was $702.8 Mil. FinWise Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $899.4 Mil.
Therefore, FinWise Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.78.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
FinWise Bancorp Liabilities-to-Assets Related Terms
FinWise Bancorp Liabilities-to-Assets Historical Data
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The historical data trend for FinWise Bancorp's Liabilities-to-Assets 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.
FINW vs UBAB, LARK, EBMT: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, FinWise Bancorp's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
FinWise Bancorp's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.78 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on FinWise Bancorp and its competitors.
Is FinWise Bancorp's Liabilities-to-Assets too high?
FinWise Bancorp's current Liabilities-to-Assets is 0.78. 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 Liabilities-to-Assets compare to UBAB and LARK?
FinWise Bancorp's Liabilities-to-Assets of 0.78 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on FinWise Bancorp and its competitors. FinWise Bancorp's current Liabilities-to-Assets is 0.78. 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 $29.08, compared to a current price of $14.17 — trading 51.3% below its estimated fair value. The current Liabilities-to-Assets is 0.78. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Liabilities-to-Assets is 0.78 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 $14.17 is trading 51.3% below its estimated GF Value™ of $29.08.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
Liabilities-to-Assets: 0.78
GF Value™: $29.08 vs. price of $14.17 (51.3% below fair value)
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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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