Last 21 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
FinWise Bancorp's quarterly P/E stands at 19.8x, up 4.2% year-over-year. EV/EBITDA has expanded 165.6% YoY to 13.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.44 | 19.82 | 16.61 | 14.26 | 12.94 | 19.03 | 19.97 | 15.60 | 10.64 | 10.05 | 11.18 | 5.84 | 6.39 |
| — | +4.2% | -16.8% | -8.6% | +21.7% | +89.4% | +78.7% | +167.2% | +66.4% | +32.3% | +136.6% | -30.2% | +12.4% | |
| P/S Ratio | 1.28 | 1.61 | 1.16 | 1.58 | 1.68 | 2.24 | 2.09 | 2.07 | 1.42 | 1.41 | 1.85 | 1.26 | 1.37 |
| — | -28.0% | -44.3% | -23.7% | +18.5% | +59.4% | +13.1% | +64.6% | +3.3% | -11.7% | +39.2% | -14.9% | -5.9% | |
| P/B Ratio | 0.99 | 1.10 | 1.27 | 1.41 | 1.11 | 1.33 | 1.23 | 1.21 | 0.81 | 0.81 | 1.18 | 0.74 | 0.79 |
| — | -17.3% | +2.8% | +15.8% | +37.7% | +65.0% | +4.7% | +64.2% | +2.4% | +0.3% | +35.0% | -17.5% | -17.8% | |
| P/FCF | — | — | — | 12.95 | — | — | 90.38 | — | — | 57.69 | 5.31 | 4.23 | — |
| — | — | — | — | — | — | +1603.3% | — | — | +523.6% | +275.4% | — | — | |
| EV / EBITDA | 1.55 | 13.83 | 3.90 | 5.39 | 4.47 | 5.21 | 5.87 | 5.17 | 2.21 | 0.96 | 2.65 | -0.29 | 0.14 |
| — | +165.6% | -33.5% | +4.2% | +102.2% | +441.5% | +121.0% | +1861.0% | +1507.9% | +28.8% | +230.3% | -124.1% | -87.6% | |
| EV / EBIT | 1.55 | 13.83 | 3.90 | 6.36 | 5.39 | 6.82 | 7.68 | 6.87 | 3.04 | 1.19 | 3.10 | -0.35 | 0.16 |
| — | +102.7% | -49.2% | -7.4% | +77.6% | +472.8% | +147.8% | +2074.7% | +1803.6% | +42.2% | +282.1% | -127.9% | -87.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
FinWise Bancorp's operating margin was 11.3% in Q1 2026, up 0.9 pp QoQ and down 5.5 pp YoY. The trailing four-quarter average of 13.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | — | 55.5% | 56.5% | 67.6% | 71.2% | 69.9% | 74.7% | 73.7% | 70.9% | 72.1% | 73.4% | 76.9% |
| — | — | -20.6% | -24.3% | -8.3% | +0.5% | -3.1% | +1.7% | -4.1% | -9.4% | -13.6% | -4.1% | -9.8% | |
| Operating Margin | 14.4% | 11.3% | 10.4% | 15.3% | 18.0% | 16.8% | 14.4% | 18.5% | 17.7% | 19.3% | 23.5% | 29.4% | 29.7% |
| — | -32.7% | -27.6% | -16.9% | +1.9% | -13.0% | -38.7% | -37.2% | -40.3% | -32.5% | -39.7% | -15.9% | -12.5% | |
| Net Margin | 10.7% | 8.2% | 7.5% | 11.7% | 13.6% | 12.1% | 10.9% | 13.8% | 13.5% | 14.2% | 16.8% | 21.7% | 21.9% |
| — | -32.6% | -31.7% | -15.3% | +1.0% | -14.9% | -35.2% | -36.4% | -38.5% | -32.9% | -40.7% | +21.0% | -14.2% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.8% | 1.4% | 2.1% | 2.6% | 2.3% | 1.8% | 1.6% | 2.1% | 1.9% | 2.1% | 2.7% | 3.2% | 3.2% |
| — | -22.8% | +26.6% | +28.8% | +17.7% | -13.0% | -40.4% | -36.3% | -39.1% | -23.0% | -42.9% | +16.9% | -25.9% | |
| ROA | 1.9% | 0.3% | 0.4% | 0.6% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.6% | 0.7% | 0.9% | 1.0% |
| — | -29.2% | +6.7% | +5.7% | -3.9% | -25.7% | -46.3% | -41.9% | -47.7% | -39.5% | -56.2% | -6.0% | -28.7% | |
| ROIC | 8.7% | 1.4% | 2.1% | 2.5% | 2.2% | 1.8% | 1.6% | 2.0% | 1.8% | 2.0% | 2.7% | 3.1% | 3.1% |
| — | -21.4% | +35.3% | +27.4% | +19.7% | -10.2% | -43.0% | -36.5% | -40.2% | -21.8% | -41.3% | -17.8% | -23.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | — | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 |
| — | — | -26.1% | -24.8% | -23.7% | -22.8% | -26.2% | -23.8% | -22.6% | -22.0% | -19.9% | -23.0% | -22.6% | |
| Debt / EBITDA | 0.20 | — | 0.80 | 0.62 | 0.76 | 0.90 | 1.11 | 0.92 | 1.03 | 1.11 | 0.96 | 0.85 | 0.93 |
| — | — | -27.7% | -32.8% | -26.6% | -19.1% | +16.1% | +8.5% | +10.5% | -7.9% | +18.4% | -18.7% | -1.7% | |
| Current Ratio | 0.22 | — | 0.22 | 0.29 | 0.29 | 0.38 | 0.35 | 0.38 | 0.35 | 0.40 | 0.40 | 0.34 | 0.37 |
| — | — | -36.1% | -22.8% | -17.4% | -3.3% | -12.7% | +12.5% | -5.4% | +5.1% | -13.9% | -16.2% | -18.3% | |
| Quick Ratio | 0.22 | — | 0.22 | 0.29 | 0.29 | 0.38 | 0.35 | 0.38 | 0.35 | 0.40 | 0.40 | 0.34 | 0.37 |
| — | — | -36.1% | -22.8% | -17.4% | -3.3% | -12.7% | +12.5% | -5.4% | +5.1% | -13.9% | -16.2% | -18.3% | |
| Interest Coverage | 1.07 | 0.70 | 0.97 | 1.20 | 1.08 | 1.04 | 0.96 | 1.11 | 1.10 | 1.24 | 1.58 | 2.32 | 2.86 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
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Quick answers to the most common questions about buying FINW stock.
FinWise Bancorp's current P/E is 12.4x. The average P/E over the last 4 quarters is 15.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
FinWise Bancorp's current operating margin is 14.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking FinWise Bancorp's business trajectory between earnings reports.