FinWise BancorpFINW -0.41%64 ROE % is 5.61% as of Mar. 2026, which is 71% below its 10-year median of 19.63. 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 1,524 Banks companies, FinWise Bancorp ranks worse than 63.45% on this metric.
The historical rank and industry rank for FinWise Bancorp's ROE % or its related term are showing as below:
FINW'
s ROE % Range Over the Past 10 Years
Min: 7.75 Med: 19.63 Max: 39.16
Current: 8.35
During the past 7 years, FinWise Bancorp's highest ROE % was 39.16%. The lowest was 7.75%. And the median was 19.63%.
FINW's ROE % is ranked worse than 63.45% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FINW: 8.35
FinWise Bancorp (NAS:FINW) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
FinWise Bancorp ROE % Related Terms
FinWise Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for FinWise Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
FinWise Bancorp (FINW) has a ROE % of 5.61% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FinWise Bancorp and its competitors. This is 71% below median its historical median of 19.63. Over the past decade, FinWise Bancorp's ROE % has ranged from 7.75 to 39.16. According to the industry distribution chart, FinWise Bancorp ranks #967 out of 1524 companies in the Banks industry, placing it in the top 63.5%.
Is FinWise Bancorp's ROE % too high?
FinWise Bancorp's current ROE % of 5.61% is 71% below median its 10-year median of 19.63. Over the past 10 years, this metric has ranged from a low of 7.75 to a high of 39.16. The Banks industry median ROE % is 10.22. FinWise Bancorp's value of 5.61% is 45.1% below this industry median. Based on the distribution chart, FinWise Bancorp ranks #967 out of 1524 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 ROE % compare to CZWI and SABK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #967 out of 1524 companies for ROE %. This places FinWise Bancorp in the lower half of its industry. The industry median ROE % is 10.22. FinWise Bancorp's value of 5.61% is 45.1% below this benchmark. Historically, FinWise Bancorp's own ROE % has ranged from 7.75 to 39.16 over the past decade. While the company's 10-year median is 19.63 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinWise Bancorp's current ROE % of 5.61% is 45.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current ROE % is 5.61%, which is 71% below median its own 10-year median of 19.63. 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 ROE % is 5.61%, which is 71% below median its 10-year median of 19.63 and 45.1% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current ROE % is 5.61% 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:
ROE %: 5.61% (71% below median its 10-year median of 19.63)
GF Value™: $27.98 vs. price of $14.50 (48.2% below fair value)
Industry Position: 45.1% below the Banks median (#967 of 1524)
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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