Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FinWise BancorpFINW +1.10%56 3-1 Month Momentum % is -6.75% as of Jul. 31, 2026. GuruFocus rates FINW with a GF Score™ of 56/100 and a GF Value™ of $29.18 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,579 Banks companies, FinWise Bancorp ranks worse than 83.66% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-31), FinWise Bancorp's 3-1 Month Momentum % is -6.75%.
The industry rank for FinWise Bancorp's 3-1 Month Momentum % or its related term are showing as below:
FINW's 3-1 Month Momentum % is ranked worse than 83.66% of 1579
companies
in the Banks industry
Industry Median: 2.74
vs FINW: -6.75
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
FinWise Bancorp 3-1 Month Momentum % Related Terms
FINW vs UBAB, LARK, EBMT: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, FinWise Bancorp's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's 3-1 Month Momentum % 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 3-1 Month Momentum % of -6.75% as of Jul. 31, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #1321 out of 1579 companies in the Banks industry, placing it in the top 83.7%.
Is FinWise Bancorp's 3-1 Month Momentum % too high?
FinWise Bancorp's current 3-1 Month Momentum % is -6.75%. Based on the distribution chart, FinWise Bancorp ranks #1321 out of 1579 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 3-1 Month Momentum % compare to UBAB and LARK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #1321 out of 1579 companies for 3-1 Month Momentum %. This places FinWise Bancorp in the lower half of its industry. The industry median 3-1 Month Momentum % is 2.74. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.74, based on 1,579 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current 3-1 Month Momentum % is -6.75%. 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 $29.18, compared to a current price of $13.76 — trading 52.8% below its estimated fair value. The current 3-1 Month Momentum % is -6.75%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current 3-1 Month Momentum % is -6.75% as of Jul. 31, 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 $13.76 is trading 52.8% below its estimated GF Value™ of $29.18.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
3-1 Month Momentum %: -6.75%
GF Value™: $29.18 vs. price of $13.76 (52.8% 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
Get the complete analysis for FINW
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FINW has been successfully added to your 
