
Finwise Bancorp (FINW) Stock Forecast & Price Target
Finwise Bancorp (FINW) Analyst Ratings
Bulls say
FinWise Bancorp has demonstrated robust financial growth, with its held-for-investment (HFI) loan portfolio increasing by 7.2% to $465 million, driven primarily by a diverse range of commercial loans. The bank has also seen significant deposit growth of 12% to $545 million, largely fueled by brokered certificates of deposit, enhancing its liquidity position to support ongoing loan expansion. Additionally, stronger noninterest income, particularly from SBA loan sales and strategic program fees, points to a positive trajectory in financial performance which is expected to continue into 2025.
Bears say
FinWise Bancorp has experienced a 10% decline in loan originations to $1.31 billion, falling short of expectations, primarily due to seasonal factors affecting its student loan strategic program. Additionally, the bank's total common equity (TCE) ratio decreased from 24.9% to 23.3%, signaling potential instability in earnings and credit metrics, while net interest margin showed only a marginal increase despite rising net interest income. These factors, coupled with cybersecurity risks and competitive pressures, contribute to a negative outlook on the bank’s stock, suggesting challenges ahead for its financial performance and market position.
This aggregate rating is based on analysts' research of Finwise Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Finwise Bancorp (FINW) Analyst Forecast & Price Prediction
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