FinWise Bancorp (FINW) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$14.00
Price Target
$19.50
Target Range
$18.00 — $21.00
Analyst Rating
Buy
Forward P/E9.5x
Trailing P/E12.4x
Forward PEG—
Implied Growth+29.1%
Median Target$19.50
Analyst Spread15.4%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$18
+28.6%
Consensus
$20
+39.3%
Bull Case
$21
+50.0%
Valuation Model TargetsConfidence: 35/100
Bear$15
Base$44
Bull$101
FINW Price Target Analysis
Updated May 8, 2026As of May 8, 2026, FinWise Bancorp (FINW) has a Wall Street consensus price target of $19.50, based on estimates from 2 covering analysts. With the stock currently trading at $14.00, this represents a potential upside of +39.3%. The company has a market capitalization of $192M.
Analyst price targets range from a low of $18.00 to a high of $21.00, representing a 15% spread in expectations. The median target of $19.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 2 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, FINW trades at a trailing P/E of 12.4x and forward P/E of 9.5x. Analysts expect EPS to grow +29.1% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $44.03, with bear and bull scenarios of $15.47 and $101.35 respectively. Model confidence stands at 35/100, suggesting limited visibility into future performance.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside+23.4%
Avg Forward P/E17.7x
Peers with Coverage5 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 MFINMedallion Financial Corp. | $225M | $9.56 | — | — | Hold | 8.0x | 9 |
 BYFCBroadway Financial Corporation | $92M | $9.84 | — | — | — | — | — |
 CARVCarver Bancorp, Inc. | $9M | $1.67 | — | — | — | — | — |
 ENVAEnova International, Inc. | $4.3B | $172.50 | $199.50 | +15.7% | Buy | 10.5x | 10 |
 RMRegional Management Corp. | $329M | $34.97 | — | — | Hold | 6.3x | 15 |
 WRLDWorld Acceptance Corporation | $753M | $149.53 | — | — | Hold | 21.1x | 10 |
 ATLCAtlanticus Holdings Corporation | $1.2B | $78.34 | $70.00 | -10.6% | Buy | 8.7x | 6 |
 UPSTUpstart Holdings, Inc. | $2.8B | $29.00 | $45.17 | +55.8% | Buy | 14.7x | 22 |
 LCLendingClub Corporation | $1.9B | $16.69 | $22.75 | +36.3% | Buy | 9.6x | 29 |
 AFRMAffirm Holdings, Inc. | $22.4B | $67.36 | $80.77 | +19.9% | Buy | 62.5x | 33 |
Upside Potential Comparison
UPSTLCAFRMENVAATLCSee FINW's True Return
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Start ComparisonFINW — Frequently Asked Questions
Quick answers to the most common questions about buying FINW stock.
What is the FINW stock price target for 2026?
The consensus Wall Street price target for FINW is $19.5, representing 39.3% upside from the current price of $14. With 2 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
Is FINW a buy, sell, or hold?
FINW has a consensus rating of "Buy" based on 2 Wall Street analysts. The rating breakdown is predominantly bullish, with 2 Buy/Strong Buy ratings. The consensus 12-month price target of $19.5 implies 39.3% upside from current levels.
Is FINW stock overvalued or undervalued?
With a forward P/E of 9.4595x, FINW trades at a relatively low valuation. The consensus target of $19.5 implies 39.3% appreciation, suggesting meaningful undervaluation.
How high can FINW stock go?
The most bullish Wall Street analyst has a price target of $21 for FINW, while the most conservative target is $18. The consensus of $19.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $101 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover FINW stock?
FINW is lightly followed, with 2 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the FINW stock forecast?
The 12-month FINW stock forecast based on 2 Wall Street analysts shows a consensus price target of $19.5, with estimates ranging from $18 (bear case) to $21 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $44, with bear/bull scenarios of $15/$101.
What is FINW's fair value based on fundamentals?
Our quantitative valuation model calculates FINW's fair value at $44 (base case), with a bear case of $15 and bull case of $101. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 35/100.
What is FINW's forward P/E ratio?
FINW trades at a forward P/E ratio of 9.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.4x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy FINW stock?
Wall Street analysts are very optimistic on FINW, with a "Buy" consensus rating and $19.5 price target (39.3% upside). 2 of 2 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do FINW price targets vary so much?
FINW analyst price targets range from $18 to $21, a 15% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $19.5 consensus represents the middle ground. Our model's $15-$101 range provides an independent fundamental perspective.