FinWise Bancorp (FINW) P/E Ratio History
Premium ValuationTrading at 12.4x vs 5Y avg 10.1x · 61th percentile · Premium to historical baseline · Data 2021–2026
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P/E Ratio Analysis
As of June 22, 2026, FinWise Bancorp (FINW) trades at a price-to-earnings ratio of 12.4x, with a stock price of $14.06 and trailing twelve-month earnings per share of $1.15.
The current P/E is 23% above its 5-year average of 10.1x. Over the past five years, FINW's P/E has ranged from a low of 3.1x to a high of 19.0x, placing the current valuation at the 61th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, FINW is roughly in line with its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, FINW trades at a notable discount to the S&P 500 median P/E of 24.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our FINW DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
FINW Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
FINW P/E vs Peers
Digital banks and banking-as-a-service peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $221M | 5.3Lowest | - | +17% | |
| $5B | 17.7 | - | +56% | |
| $351M | 8.4 | 0.64 | +7% | |
| $916M | 11.1 | 0.31Best | +24% | |
| $2B | 16.7 | 1.96 | +25% | |
| $3B | 69.6 | 5.02 | +131% | |
| $2B | 16.7 | - | +156%Best | |
| $24B | 481.3 | - | +109% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
FINW Historical P/E Data (2021–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $15.86 | $1.10 | 14.4x | +42% |
| FY2025 Q4 | Dec 31 2025 | $17.94 | $1.13 | 15.9x | +57% |
| FY2025 Q3 | - | $19.39 | $1.06 | 18.3x | +80% |
| FY2025 Q2 | Jun 30 2025 | $15.01 | $0.97 | 15.5x | +53% |
| FY2025 Q1 | Mar 31 2025 | $17.51 | $0.92 | 19.0x | +88% |
| FY2024 Q4 | - | $15.98 | $0.94 | 17.0x | +68% |
| FY2024 Q3 | Sep 30 2024 | $15.60 | $1.06 | 14.7x | +45% |
| FY2024 Q2 | Jun 30 2024 | $10.21 | $1.18 | 8.7x | -15% |
| FY2024 Q1 | Mar 31 2024 | $10.05 | $1.29 | 7.8x | -23% |
| FY2023 Q4 | Dec 31 2023 | $14.31 | $1.33 | 10.8x | +6% |
| FY2023 Q3 | Sep 30 2023 | $8.64 | $1.50 | 5.8x | -43% |
| FY2023 Q2 | Jun 30 2023 | $8.95 | $1.40 | 6.4x | -37% |
| FY2023 Q1 | Mar 31 2023 | $8.81 | $1.46 | 6.0x | -40% |
| FY2022 Q4 | Dec 31 2022 | $9.26 | $1.93 | 4.8x | -53% |
| FY2022 Q3 | Sep 30 2022 | $9.03 | $2.34 | 3.9x | -62% |
| FY2022 Q2 | - | $9.33 | $2.98 | 3.1x | -69% |
| FY2022 Q1 | - | $17.15 | $3.13 | 5.5x | -46% |
| FY2021 Q4 | Dec 31 2021 | $13.79 | $2.76 | 5.0x | -51% |
Average P/E for displayed period: 10.1x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
5+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
FINW — Frequently Asked Questions
Quick answers to the most common questions about buying FINW stock.
What is FINW's P/E ratio?
FinWise Bancorp (FINW) trailing twelve-month P/E ratio is 12.4x, based on TTM diluted EPS of $1.15. The 5-year average P/E is 10.1x and the historical range spans 3.1x to 19.0x.
Is FINW stock overvalued or undervalued?
FINW trades at 12.4x P/E, above its 5-year average of 10.1x. The 61th percentile ranking within the 3.1x–19.0x historical range indicates a premium to historical valuation.
Is FINW stock expensive?
Yes, FINW is expensive relative to its own history. The current P/E of 12.4x is above the 5-year average of 10.1x. The stock sits at the 61th percentile of its 5-year valuation range.
What is FINW's historical P/E range?
Over the past 5 years, FINW's P/E ratio has ranged from 3.1x to 19.0x, with a median of 8.7x and an average of 10.1x. The current P/E of 12.4x places the stock at the 61th percentile of this range. Full historical data spans 2021–2026.
How does FINW's P/E compare to the S&P 500?
FINW trades at 12.4x P/E versus the S&P 500 median of 24.3x. The 49% discount to the market suggests lower growth expectations or perceived higher risk.
How does FINW's valuation compare to Financial Services peers?
FinWise Bancorp P/E of 12.4x compares to the Financial Services sector median of 13.6x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is FINW's PEG ratio?
FINW PEG ratio is N/A, based on a P/E of 12.4x and EPS growth of 21.5%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is FINW's earnings yield?
FINW earnings yield is 8.04%, the inverse of its 12.4x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.