핀와이즈 은행(FINW) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 핀와이즈 은행(FINW)?

핀와이즈 은행(FINW) belongs to the Financial sector and operates in the Banks - Regional industry.

Q: What is the market cap of FINW?

The market cap of FINW is approximately $188M, ranking 4,132 within its sector.

Q: What is the P/E ratio of FINW?

FINW has a P/E ratio of approximately 12.4x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for FINW?

FINW has recorded a 52-week high of $22.49 and a low of $12.82.

FINW

FinWise Bancorp

7월 27일 4:00 PM ET (한국 7/28 05:00)

$13.75

-0.02 ▼ -0.15%

🌙 7월 27일 4:06 PM ET (한국 7/28 05:06)

$13.56

-0.19 ▼ -1.38%

핀와이즈 은행(FINW) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$188M

스몰캡

P/E

12.4

저평가 구간

배당수익률

없음

52주 위치

10%

저점 +7% · 고점 -39%

애널리스트

적극 매수

Fundamental health

vs. Banks - Regional 초소형주

수익성

Top 44%

성장

Top 34%

밸류에이션

Top 76%

재무 안정

Top 96%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 4년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 12원. Over the past 4년, it usually traded around 10원. Roughly in line with its own history.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 4.2 profitable years

Index ⓘ	RUT	P/E ⓘ	12.44	EPS (ttm) ⓘ	1.11	Insider Own ⓘ	31.42%	Shs Outstand ⓘ	13.7M	Perf Week ⓘ	0.73%
Market Cap ⓘ	0.19B	Forward P/E ⓘ	7.72	EPS next Y ⓘ	57.99%	Insider Trans ⓘ	-	Shs Float ⓘ	9.4M	Perf Month ⓘ	-5.5%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	0.24	Inst Own ⓘ	28%	Short Float ⓘ	1.41%	Perf Quarter ⓘ	-15.07%
Income ⓘ	0.02B	P/S ⓘ	1.1	EPS this Y ⓘ	-0.29%	Inst Trans ⓘ	-5.18%	Short Ratio ⓘ	4.33	Perf Half Y ⓘ	-24.33%
Sales ⓘ	0.17B	P/B ⓘ	0.96	EPS next 5Y ⓘ	-	ROA ⓘ	1.76%	Short Interest ⓘ	0.13M	Perf YTD ⓘ	-23.36%
Book/sh ⓘ	14.34	P/C ⓘ	-	EPS past 3/5Y ⓘ	-15.29% 6.04%	ROE ⓘ	8.03%	52W High ⓘ	-38.86% ($22.49)	Perf Year ⓘ	-20.47%
Cash/sh ⓘ	-	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	19.87% 28.35%	ROIC ⓘ	7.64%	52W Low ⓘ	7.25% ($12.82)	Perf 3Y ⓘ	55.9%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	20.19%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	6.76% 4.79%	Perf 5Y ⓘ	-
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	70.23%	Oper. Margin ⓘ	11.54%	ATR (14) ⓘ	0.63	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	-12.61%	Profit Margin ⓘ	8.8%	RSI (14) ⓘ	45.12	Recom ⓘ	1.33
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.18	Sales Q/Q ⓘ	86.42%	SMA20 ⓘ	-1.82% ($14)	Beta ⓘ	0.71	Target Price ⓘ	$19
Payout ⓘ	-	Debt/Eq ⓘ	0	Earnings ⓘ	2026/7/29	SMA50 ⓘ	-2.65% ($14.12)	Rel Volume ⓘ	0.47	Prev Close ⓘ	$13.77
Employees ⓘ	198	LT Debt/Eq ⓘ	0	EPS/Sales Surpr. ⓘ	-38.14% -15.38%	SMA200 ⓘ	-16.28% ($16.42)	Avg Volume(3M) ⓘ	0.03M	Price ⓘ	$13.75
IPO ⓘ	2021/11/19	Option/Short ⓘ	No/Yes			Trades ⓘ	447	Volume ⓘ	14,447	Change ⓘ	-0.15%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $34M (YoY +81%) · 순이익 $3M (YoY -14%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 FinWise Bancorp (FINW) Investment Analysis

What kind of company is FinWise Bancorp?

핀와이즈 은행(FINW) 가치주

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

🏦 Finwise Bancorp is a bank holding company headquartered in Utah, USA. Through its subsidiary Finwise Bank, it operates as a sponsor bank providing banking and payment infrastructure to fintech brands. Its business model is built around two core pillars: API-based strategic program lending, and sponsorship of payments and card issuance, supporting deposit, lending, and payment programs for a broad network of fintech partners.

Learn more about FinWise Bancorp →

Market Cap

$0.2B

Approx. KRW 0.3 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank4132

Employees198people

IPO2021/11/19

Current Price$13.75 ≈ 18,838원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-1

7월 29일 (수) · 장 마감 후

예상 매출 - · EPS $0.24

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 마감 후 EPS -38.1% 매출 -15.4%

Is it profitable?

Financial health caution

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

11.5%

✓ 평균

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 Median 16.7% · Bottom 31%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

8.8%

✓ 평균

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 Median 13.6% · Bottom 29%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

8.0%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 초소형주 Median 3.2% · Top 22%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.8%

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 1.0% · Top 39%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

7.6%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 초소형주 Median 2.2% · Top 16%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.00

✓ Very low debt

My positionTop 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.18

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$19.00

현재가 대비 +38.2%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

7.72배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+58.0%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility

Frequently misses analyst estimates

예상 상회

예상 부합

예상 하회

상회 비율

-38.1%

평균 서프라이즈

2026.04.30

하회

실적 $0.20 · 예상 $0.32 -38.1%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

-0.3%

평균

My positionMid-range

Low range Average High range

가치주 초소형주 Median 7.1% · Bottom 46%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+58.0%

우수

My positionTop 25%

Low range Average High range

가치주 초소형주 Median 16.0% · Top 24%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-15.3%

평균

My positionMid-range

Low range Average High range

가치주 초소형주 Median 2.4% · Bottom 29%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+6.0%

평균

My positionMid-range

Low range Average High range

가치주 초소형주 Median 9.4% · Bottom 46%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+28.4%

우수

My positionTop 5%

Low range Average High range

가치주 초소형주 Median 7.3% · Top tier

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+86.4%

우수

My positionTop 5%

Low range Average High range

가치주 초소형주 Median 5.3% · Top tier

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 36%p over the past year

FINW -20.5% · S&P 500 +16.0%

Excess return vs. market (price-based, ex-dividends)

1-year basis

vs S&P 500

-36.5%p

Significantly behind the market

Rank among peers

1-year return Lowest among peers Based on 76 peers

Current position within 52-week range

Low (-7.3%p) High (-38.9%p)

Current price is 7.3% above the 52-week low and 38.9% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-26.5%

Annualized volatility

31.2%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $13.75 below the midline ($14.01). Normal downward flow. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴

Current diagnosis · 2026-07-27

Bearish momentum holding

MACD -0.202 < Signal -0.174 in negative zone + Hist negative (-0.028). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-07-27

Bearish zone

RSI 44.9 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 47.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets·Vs. Sales

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

12.44x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 12.79x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

7.72x

✓ Very cheap

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 median 10.65x · Top 1% — relatively cheap within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

0.96x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 1.01x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.10x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 초소형주 median 2.07x · Top 10% — relatively cheap within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

Analyst target price (reference)

$19.00 vs. current price +38.2%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow shows some pressure

Institutional net selling -5.2% · Short interest light 1.4%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

-5.2%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 28.0%

Moderate institutional participation

Financial 초소형주 Median 30.5%

🧑‍💼 Insiders 31.4%

Founder/management large holders (strong skin-in-the-game)

Financial 초소형주 Median 23.8%

👤 Retail investors (estimated) 40.6%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

1.4%

Low — limited short-side pressure

Financial 초소형주 Median 0.2%

Past 90 days Little change

Short interest days to cover

4.3 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 13.7M주

Float (tradable shares) 9.4M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding FINW

ETFs with the highest weightings · 10 total shown

DBSC

Deepwater Beachfront Small Cap ETF

0.13%

$5M

IWC

iShares Micro-Cap ETF

0.03%

$1.4B

BSVO

EA Bridgeway Omni Small-Cap Value ETF

0.02%

$2.4B

GSSC

Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF

0.02%

$1.0B

VTWO

Vanguard Russell 2000 Index ETF

0.01%

$16.9B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
FINW This Stock	$188.5M	12.4 ▲	1.0 ▲	8.03% ▼	-	-0.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 핀와이즈 은행(FINW)?

핀와이즈 은행(FINW) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of FINW?

The market cap of FINW is approximately $188M, ranking 4,132 within its sector.

What is the P/E ratio of FINW?

FINW has a P/E ratio of approximately 12.4x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for FINW?

FINW has recorded a 52-week high of $22.49 and a low of $12.82.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.