FinWise BancorpFINW -1.28%57 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 2026. GuruFocus rates FINW with a GF Score™ of 57/100 and a GF Value™ of $28.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,253 Banks companies, FinWise Bancorp ranks worse than 79808.38% on this metric.
FinWise Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 0.00.
The historical rank and industry rank for FinWise Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
FINW's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.89 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
FinWise Bancorp 5-Year Yield-on-Cost % Related Terms
FINW vs FOTB, PBNC, CBTN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, FinWise Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FinWise Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FinWise Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of FinWise Bancorp is calculated as
FinWise Bancorp (FINW) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FinWise Bancorp and its competitors. According to the industry distribution chart, FinWise Bancorp ranks #999999 out of 1253 companies in the Banks industry.
Is FinWise Bancorp's 5-Year Yield-on-Cost % too high?
FinWise Bancorp's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, FinWise Bancorp ranks #999999 out of 1253 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to FOTB and PBNC?
According to the Banks industry distribution chart, FinWise Bancorp ranks #999999 out of 1253 companies for 5-Year Yield-on-Cost %. This places FinWise Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FinWise Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinWise Bancorp's current 5-Year Yield-on-Cost % is 0.00. 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 $28.45, compared to a current price of $13.85 — trading 51.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For FinWise Bancorp (FINW), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 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 51.3% below its estimated GF Value™ of $28.45.
GuruFocus considers FinWise Bancorp to be Significantly Undervalued.
Key valuation signals for FINW:
5-Year Yield-on-Cost %: 0.00
GF Value™: $28.45 vs. price of $13.85 (51.3% 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.
57GF Score
Get the complete analysis for FINW
5-Year Yield-on-Cost % 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 