FinWise BancorpFINW -0.41%64 Net Margin % is 6.40% as of Mar. 2026, which is 76% below its 10-year median of 26.62. 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 1,526 Banks companies, FinWise Bancorp ranks worse than 87.22% on this metric.
Net margin is calculated as Net Income divided by its Revenue. FinWise Bancorp's Net Income for the
three
months ended in Mar. 2026 was $2.7 Mil. FinWise Bancorp's Revenue for the
three
months ended in Mar. 2026 was $42.7 Mil. Therefore, FinWise Bancorp's net margin for the quarter that ended in Mar. 2026 was 6.40%.
The historical rank and industry rank for FinWise Bancorp's Net Margin % or its related term are showing as below:
FINW'
s Net Margin % Range Over the Past 10 Years
Min: 10.43 Med: 26.62 Max: 39.57
Current: 10.43
FINW's Net Margin % is ranked worse than 87.22% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FINW: 10.43
FinWise Bancorp (NAS:FINW) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
FinWise Bancorp Net Margin % Related Terms
FinWise Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for FinWise Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's Net 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 Net Margin % of 6.40% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on FinWise Bancorp and its competitors. This is 76% below median its historical median of 26.62. Over the past decade, FinWise Bancorp's Net Margin % has ranged from 10.43 to 39.57. According to the industry distribution chart, FinWise Bancorp ranks #1331 out of 1526 companies in the Banks industry, placing it in the top 87.2%.
Is FinWise Bancorp's Net Margin % too high?
FinWise Bancorp's current Net Margin % of 6.40% is 76% below median its 10-year median of 26.62. Over the past 10 years, this metric has ranged from a low of 10.43 to a high of 39.57. The Banks industry median Net Margin % is 26.97. FinWise Bancorp's value of 6.40% is 76.3% below this industry median. Based on the distribution chart, FinWise Bancorp ranks #1331 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to CZWI and SABK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #1331 out of 1526 companies for Net Margin %. This places FinWise Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. FinWise Bancorp's value of 6.40% is 76.3% below this benchmark. Historically, FinWise Bancorp's own Net Margin % has ranged from 10.43 to 39.57 over the past decade. While the company's 10-year median is 26.62 vs. the industry median of 26.97, FinWise Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current Net Margin % of 6.40% is 76.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current Net Margin % is 6.40%, which is 76% below median its own 10-year median of 26.62. 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 Net Margin % is 6.40%, which is 76% below median its 10-year median of 26.62 and 76.3% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Net Margin % is 6.40% 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:
Net Margin %: 6.40% (76% below median its 10-year median of 26.62)
GF Value™: $27.98 vs. price of $14.50 (48.2% below fair value)
Industry Position: 76.3% below the Banks median (#1331 of 1526)
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
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