FinWise BancorpFINW -1.28%57 Return-on-Tangible-Asset is 1.17% as of Mar. 2026, which is 74% below its 10-year median of 4.53. GuruFocus rates FINW with a GF Score™ of 57/100 and a GF Value™ of $28.49 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, FinWise Bancorp ranks better than 84.61% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. FinWise Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $10.9 Mil. FinWise Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $938.3 Mil. Therefore, FinWise Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.17%.
The historical rank and industry rank for FinWise Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
FINW'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.77 Med: 4.53 Max: 9.05
Current: 1.77
During the past 7 years, FinWise Bancorp's highest Return-on-Tangible-Asset was 9.05%. The lowest was 1.77%. And the median was 4.53%.
FINW's Return-on-Tangible-Asset is ranked better than 84.61% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs FINW: 1.77
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
FinWise Bancorp Return-on-Tangible-Asset Related Terms
FinWise Bancorp Return-on-Tangible-Asset Historical Data
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The historical data trend for FinWise Bancorp's Return-on-Tangible-Asset 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 FOTB, PBNC, CBTN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, FinWise Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.17% mean?
FinWise Bancorp (FINW) has a Return-on-Tangible-Asset of 1.17% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FinWise Bancorp and its competitors. This is 74% below median its historical median of 4.53. Over the past decade, FinWise Bancorp's Return-on-Tangible-Asset has ranged from 1.77 to 9.05. According to the industry distribution chart, FinWise Bancorp ranks #235 out of 1527 companies in the Banks industry, placing it in the top 15.4%.
Is FinWise Bancorp's Return-on-Tangible-Asset too high?
FinWise Bancorp's current Return-on-Tangible-Asset of 1.17% is 74% below median its 10-year median of 4.53. Over the past 10 years, this metric has ranged from a low of 1.77 to a high of 9.05. The Banks industry median Return-on-Tangible-Asset is 0.99. FinWise Bancorp's value of 1.17% is 18.2% above this industry median. Based on the distribution chart, FinWise Bancorp ranks #235 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FinWise Bancorp has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinWise Bancorp's Return-on-Tangible-Asset compare to FOTB and PBNC?
According to the Banks industry distribution chart, FinWise Bancorp ranks #235 out of 1527 companies for Return-on-Tangible-Asset. This places FinWise Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. FinWise Bancorp's value of 1.17% is 18.2% above this benchmark. Historically, FinWise Bancorp's own Return-on-Tangible-Asset has ranged from 1.77 to 9.05 over the past decade. While the company's 10-year median is 4.53 vs. the industry median of 0.99, FinWise Bancorp has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current Return-on-Tangible-Asset of 1.17% is 18.2% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current Return-on-Tangible-Asset is 1.17%, which is 74% below median its own 10-year median of 4.53. 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 $28.49, compared to a current price of $13.85 — trading 51.4% below its estimated fair value. The current Return-on-Tangible-Asset is 1.17%, which is 74% below median its 10-year median of 4.53 and 18.2% above the Banks industry median of 0.99. FinWise Bancorp's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Return-on-Tangible-Asset is 1.17% 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 $13.85 is trading 51.4% below its estimated GF Value™ of $28.49.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
Return-on-Tangible-Asset: 1.17% (74% below median its 10-year median of 4.53)
GF Value™: $28.49 vs. price of $13.85 (51.4% below fair value)
Industry Position: 18.2% above the Banks median (#235 of 1527)
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.
57GF Score
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