FINW (FinWise Bancorp) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


FINW FinWise Bancorp FINW
64 GF Score
Price $14.80
GF Value $27.98
Valuation Significantly Undervalued
! 1 Warning Sign
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What is FinWise Bancorp Scaled Net Operating Assets?

FinWise Bancorp FINW +2.07% 64 Scaled Net Operating Assets is 0.07 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

FinWise Bancorp's operating assets for the quarter that ended in Mar. 2026 was $774.9 Mil. FinWise Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $702.8 Mil. FinWise Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $977.1 Mil. Therefore, FinWise Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

FINW
64GF Score
FinWise Bancorp FINW
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FinWise Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

FinWise Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(813.735-779.532)/745.976
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=977.135 - 163.4
=813.735

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=783.94 - 4.408 - 0
=779.532

FinWise Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(774.864-702.833)/977.135
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=899.44 - 124.576
=774.864

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=702.833 - 0 - 0
=702.833

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
FinWise Bancorp (FINW) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on FinWise Bancorp and its competitors.
Is FinWise Bancorp's Scaled Net Operating Assets too high?
FinWise Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to CZWI and SABK?
FinWise Bancorp's Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on FinWise Bancorp and its competitors. FinWise Bancorp's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current Scaled Net Operating Assets is 0.07 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 $14.80 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:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $27.98 vs. price of $14.80 (47.1% below fair value)
  • GF Score™: 64/100 with 1 warning sign

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 Business Description

Address 756 East Winchester, Suite 100, Murray, UT, USA, 84107
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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$14.80
Price
$27.98
GF Value