FinWise BancorpFINW +2.07%64 OCF Yield % is 6.36 as of Jun. 26, 2026, which is 3% below its 10-year median of 6.54. 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 1,502 Banks companies, FinWise Bancorp ranks worse than 62.18% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
FinWise Bancorp OCF Yield % Related Terms
FinWise Bancorp OCF Yield % Historical Data
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The historical data trend for FinWise Bancorp's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's OCF Yield % 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 OCF Yield % of 6.36 as of Jun. 26, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on FinWise Bancorp and its competitors. This is near median its historical median of 6.54. According to the industry distribution chart, FinWise Bancorp ranks #934 out of 1502 companies in the Banks industry, placing it in the top 62.2%.
Is FinWise Bancorp's OCF Yield % too high?
FinWise Bancorp's current OCF Yield % of 6.36 is near median its 10-year median of 6.54. The Banks industry median OCF Yield % is 9.24. FinWise Bancorp's value of 6.36 is 31.2% below this industry median. Based on the distribution chart, FinWise Bancorp ranks #934 out of 1502 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 OCF Yield % compare to CZWI and SABK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #934 out of 1502 companies for OCF Yield %. This places FinWise Bancorp in the lower half of its industry. The industry median OCF Yield % is 9.24. FinWise Bancorp's value of 6.36 is 31.2% below this benchmark. While the company's 10-year median is 6.54 vs. the industry median of 9.24, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current OCF Yield % of 6.36 is 31.2% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current OCF Yield % is 6.36, which is near median its own 10-year median of 6.54. 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 $14.80 — trading 47.1% below its estimated fair value. The current OCF Yield % is 6.36, which is near median its 10-year median of 6.54 and 31.2% below the Banks industry median of 9.24. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current OCF Yield % is 6.36 as of Jun. 26, 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 $14.80 is trading 47.1% below its estimated GF Value™ of $27.98.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
OCF Yield %: 6.36 (near median its 10-year median of 6.54)
GF Value™: $27.98 vs. price of $14.80 (47.1% below fair value)
Industry Position: 31.2% below the Banks median (#934 of 1502)
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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