FINW (FinWise Bancorp) Moat Score: 3/10 (As of Jun. 28, 2026)


FINW FinWise Bancorp FINW
64 GF Score
Price $15.09
GF Value $27.98
Valuation Significantly Undervalued
! 1 Warning Sign
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What is FinWise Bancorp Moat Score?

FinWise Bancorp FINW +6.34% 64 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates FINW with a GF Score™ of 64/100 and a GF Value™ of $27.98 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,614 Banks companies, FinWise Bancorp ranks better than 74.54% on this metric.

FinWise Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

FinWise Bancorp has No Moat: FinWise Bancorp operates in a highly competitive banking sector with limited differentiation. It lacks significant cost advantages, brand strength, or regulatory barriers, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes FinWise Bancorp might have No Moat - Very weak/transient advantages.

FinWise Bancorp  (NAS:FINW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

FinWise Bancorp Moat Score Related Terms

FINW vs CZWI, SABK, CMTV: Moat Score Comparison

For the Banks - Regional subindustry, FinWise Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, FinWise Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where FinWise Bancorp's Moat Score falls into.


FINW
64GF Score
FinWise Bancorp FINW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
FinWise Bancorp (FINW) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, FinWise Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is FinWise Bancorp's Moat Score too high?
FinWise Bancorp's current Moat Score is 3. Based on the distribution chart, FinWise Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above 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 Moat Score compare to CZWI and SABK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #411 out of 1614 companies for Moat Score. This puts FinWise Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. FinWise Bancorp's current Moat Score is 3. 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 $15.09 — trading 46.1% below its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Moat Score is 3 as of Jun. 28, 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 $15.09 is trading 46.1% below its estimated GF Value™ of $27.98. GuruFocus considers FinWise Bancorp to be Significantly Undervalued.

Key valuation signals for FINW:

  • Moat Score: 3
  • GF Value™: $27.98 vs. price of $15.09 (46.1% below fair value)
  • GF Score™: 64/100 with 1 warning sign

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 Business Description

Address 756 East Winchester, Suite 100, Murray, UT, USA, 84107
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.09
Price
$27.98
GF Value