If You Invested in Finwise Bancorp (FINW)
Looking for the live price? See the FINW quote & overviewWhat $1,000 or $10,000 in FINW Would Be Worth Today
Real historical value by amount invested and how long ago| If you invested | 1 year ago | 5 years ago | 10 years ago | Since Nov 19, 2021 |
|---|---|---|---|---|
| $1,000 | $906 -9% | — | — | $1,124 +12% |
| $10,000 | $9,060 -9% | — | — | $11,241 +12% |
Based on real historical closing prices through the latest market close. Past performance does not guarantee future results.
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Choose your own date and amount for FINW$1,000 Investment Over Time
FINW vs S&P 500Year-by-Year Returns
FINW annual performance| Year | Start Price | End Price | Annual Return | Cumulative |
|---|---|---|---|---|
| 2021 | $12.73 | $13.79 | +8.3% | +8.3% |
| 2022 | $13.84 | $9.26 | -33.1% | -27.3% |
| 2023 | $9.00 | $14.31 | +59.0% | +12.4% |
| 2024 | $14.59 | $15.98 | +9.5% | +25.5% |
| 2025 | $15.69 | $17.94 | +14.3% | +40.9% |
| 2026 | $17.44 | $14.31 | -17.9% | +12.4% |
About Finwise Bancorp
State Commercial Banks · NASDAQ
FinWise Bancorp Common (NASDAQ: FINW) is the parent company of FinWise Bank, a financial institution that focuses on providing banking and payments solutions to fintech brands. According to the company’s public disclosures, FinWise operates in the regional banking space while emphasizing technology-enabled partnerships that power deposit, lending and payments programs for fintech platforms and their end users.
FinWise’s core activity is its Strategic Program Lending business. This business is conducted through scalable, API-driven infrastructure that supports fintech partners in originating and managing loan and deposit programs. Through these strategic programs, FinWise works with various third-party loan origination platforms that use technology to streamline the origination of unsecured consumer loans and secured or unsecured business loans to borrowers within approved credit profiles. The bank’s primary source of revenue is from loans, including Small Business Administration (SBA) loans, commercial loans, commercial real estate loans, residential real estate loans, and consumer loans.
A key component of the Strategic Program Lending business is the Credit Enhanced Balance Sheet Program. FinWise states that this program is designed to address challenges that lending and card programs face in diversifying funding sources and managing capital efficiency or warehouse facilities and capital requirements, depending on the specific disclosure. By providing credit enhanced balance sheet support, FinWise helps strategic program partners scale lending and card programs while managing risk and capital usage at the bank level.
In addition to its strategic programs, FinWise manages other lending programs such as SBA 7(a), Owner Occupied Commercial Real Estate, and Leasing. These programs contribute to what the company describes as flexibility for disciplined balance sheet growth. The bank’s loan portfolios, as described in its financial reports, include SBA loans, commercial leases, commercial non-real estate loans, residential real estate loans, strategic program loans, owner occupied and non-owner occupied commercial real estate, and consumer loans.
FinWise is also expanding and diversifying its business model by incorporating Payments (MoneyRails™) and BIN Sponsorship offerings. The company describes MoneyRails as part of its payments initiatives and identifies BIN sponsorship as an area of growth, particularly in connection with card and credit programs offered through fintech partners. These payments and sponsorship capabilities are intended to complement its existing lending infrastructure and deepen relationships with fintech platforms.
The company highlights a compliance oversight and risk management-first culture as a core part of its value proposition to partners. In its public communications, FinWise emphasizes that it is positioned to guide fintechs through a rigorous process to facilitate regulatory compliance. This focus on compliance and risk management is especially relevant given its role in powering programs such as debit cards, credit cards, and other embedded financial products offered by fintech brands.
FinWise Bancorp is incorporated in Utah and, based on its SEC filings, maintains its principal offices in Murray, Utah. It trades on the NASDAQ under the ticker symbol FINW and has been identified as a member of the US small-cap Russell 2000® Index for a defined membership period, reflecting its classification within the small-cap segment of the U.S. equity market.
Recent company communications describe FinWise’s role as a partner to fintechs across several areas:
- Banking and Payments infrastructure for fintech brands, including deposit, lending and payments programs supported by API-based systems.
- Strategic Program Lending with technology-enabled origination for unsecured consumer and secured or unsecured business loans.
- Credit Enhanced Balance Sheet support for lending and card programs to improve capital efficiency and diversify funding sources or warehouse capacity.
- SBA 7(a), owner occupied commercial real estate, and leasing programs that support small businesses and commercial borrowers.
- Payments (MoneyRails™) and BIN Sponsorship offerings that support card and payments products for fintech platforms and co-brand partners.
FinWise’s quarterly financial disclosures show that the company reports on loan originations, net interest income, non-interest income (including strategic program fees, gain on sale of loans, SBA loan servicing fees, credit enhancement income and other miscellaneous income), non-interest expense, and efficiency ratio, among other metrics. These reports provide insight into how its strategic programs, credit enhanced balances, and lending portfolios contribute to earnings and balance sheet growth over time.
Through its combination of regional banking capabilities and technology-enabled partnerships, FinWise positions itself as a bank that works closely with fintech brands to deliver deposit, lending, card and payments programs while maintaining an emphasis on regulatory compliance and disciplined balance sheet management.
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Frequently Asked Questions
Finwise Bancorp investment returns
How much would $1,000 invested in Finwise Bancorp be worth today?
If you invested $1,000 in Finwise Bancorp (FINW) 1 years ago on 2025-07-07, your investment would be worth $906 today, representing a -9.4% total return, growing at a compounded rate of -9.4% per year (CAGR).
Has Finwise Bancorp outperformed the S&P 500?
Comparison data requires at least 10 years of trading history. Use the calculator above to compare FINW performance over available time periods.
What is Finwise Bancorp's average annual return?
The compound annual growth rate (CAGR) of FINW over the past 1 years is -9.4%, growing at a compounded rate each year. Individual years vary significantly — FINW's best recent year was 2023 (+59.0%) and worst was 2022 (-33.1%).
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