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FinWise BancorpFINW -1.58%56 3-Year Share Buyback Ratio is -2.10 as of Jun. 2026. GuruFocus rates FINW with a GF Score™ of 56/100 and a GF Value™ of $30.84 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,041 Banks companies, FinWise Bancorp ranks worse than 69.45% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. FinWise Bancorp's current 3-Year Share Buyback Ratio was -2.10%.
The historical rank and industry rank for FinWise Bancorp's 3-Year Share Buyback Ratio or its related term are showing as below:
FINW'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -2.5 Med: -1.85 Max: -1.1
Current: -2.1
During the past 7 years, FinWise Bancorp's highest 3-Year Share Buyback Ratio was -1.10%. The lowest was -2.50%. And the median was -1.85%.
FINW's 3-Year Share Buyback Ratio is ranked worse than 69.45% of 1041
companies
in the Banks industry
Industry Median: -0.2
vs FINW: -2.10
FinWise Bancorp (NAS:FINW) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
FinWise Bancorp 3-Year Share Buyback Ratio Related Terms
FINW vs UBAB, LARK, EBMT: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, FinWise Bancorp's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's 3-Year Share Buyback Ratio falls into.
FinWise Bancorp 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -2.10 mean?
FinWise Bancorp (FINW) has a 3-Year Share Buyback Ratio of -2.10 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #723 out of 1041 companies in the Banks industry, placing it in the top 69.5%.
Is FinWise Bancorp's 3-Year Share Buyback Ratio too high?
FinWise Bancorp's current 3-Year Share Buyback Ratio is -2.10. Based on the distribution chart, FinWise Bancorp ranks #723 out of 1041 companies in the Banks industry, which is below the industry midpoint. 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-Year Share Buyback Ratio compare to UBAB and LARK?
According to the Banks industry distribution chart, FinWise Bancorp ranks #723 out of 1041 companies for 3-Year Share Buyback Ratio. This places FinWise Bancorp in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for FinWise Bancorp and its competitors. FinWise Bancorp's current 3-Year Share Buyback Ratio is -2.10. 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 $30.84, compared to a current price of $13.71 — trading 55.5% below its estimated fair value. The current 3-Year Share Buyback Ratio is -2.10. FinWise Bancorp's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current 3-Year Share Buyback Ratio is -2.10 as of Jun. 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 $13.71 is trading 55.5% below its estimated GF Value™ of $30.84.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
3-Year Share Buyback Ratio: -2.10
GF Value™: $30.84 vs. price of $13.71 (55.5% 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-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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