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Why FINW Stock advanced +0.46% Today — RQD Quant Desk Flash

$13.25 +0.46% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.24

FinWise Bancorp (FINW) carries a Roarable Rating of D- (Sell) with 36/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $183.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FINW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, FinWise Bancorp (NASDAQ: FINW) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $13.25 (+0.46% 1D, market cap $183.1M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, FINW ranks #967 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FINW compare to BAFN and SBFG in the Financials sector?
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Within the Financials sector (Major Banks), FINW carries a Roarable D- (36/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.3%. By comparison, BAFN (BayFirst Financial Corp.) holds a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $180.2M) and SBFG (SB Financial Group Inc.) posts a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $193.2M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FINW?
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Per FINW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001856365), FinWise Bancorp generated $410.4M in revenue (+31.0% YoY), $16.1M in net income, and -$28.6M in free cash flow against $977.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.24 (-0.11%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510036
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D-
Cash (5)Whales (9)SEC (10)Macro (5)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-9.9% Base Target
$21 Bull$12 Base$9 Bear
📬 FREE FINW RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FINW)Realized 20D OHLCV Swing Band: ±10.6%
Deterministic 5-Pillar Attribution (36/100 Composite)
🔍 WHY FINW SCORES 36/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▲ #2 Bullish Driver: Whale & Options Positioning+9/20 pts (25% of score)

20D Institutional Volume Accumulation (±10.6% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (72.6) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
28
Grade E$10.95-4.1% Next Q
Q2 (-2Q)
31
Grade E$10.50+0% Next Q
Q3 (-1Q)
33
Grade E$10.50+26.2% Next Q
Current
36
Grade D-$13.25-8.3% Hist 90D α
Trajectory: E (28) → D- (36)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FINW Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FINW currently carries a cautious 36/100 (D-) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.10) and Max Pain ($13.91) forces dealer call-delta covering toward $20.85.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FINW• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FINW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 36%NO 64%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why FINW Stock advanced +0.46% Today — RQD Quant Desk Flash

FinWise Bancorp (FINW) advanced +0.46% to $13.25, trading at 36% of its 52-week range ($9.58 – $19.86). Stretched risk/reward at 12x P/E (8% return on capital) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 36% of its 52-week range ($9.58 – $19.86) with RSI-14 at 72.6 (OVERBOUGHT (>70)).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±10.6% around $13.25 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
Live FINW Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FINW)

  • ✓Walkthrough of FINW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FINW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -5.09%▲ RESISTANCE BREAKOUT
2026-11-03O $13.33H $13.33L $13.19C $13.25VOL 75.6K
RES: $13.03SUP: $9.06SMA50: $12.10SMA200: $14.53
$18.38$15.99$13.61$11.22$8.84RES $13.03SUP $9.06$13.252026-05-042026-06-172026-08-042026-09-172026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FINW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FINW Butterfly Map → + Track FINW →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.6%/yr Implied 5Y Growth

vs. +31.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FINW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FINW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FINW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FINW)

Financials Rank #967 of 1097 ⚔️ BAFN vs FINW Full Matrix →

1. Head-to-Head Financials Peer Comparison (FINW vs. BAFN, SBFG, LARK, EBMT)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, FinWise Bancorp (FINW) ranks #967 by composite RQD confidence (36/100, grade D-) and #899 by equity capitalization ($183.1M). Within this direct 5-issuer industry benchmark cohort, FINW leads on earnings valuation at 11.5x trailing P/E, while SBFG leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. SBFG currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with FINW at 36/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FINW ACTIVE
FinWise Bancorp
D- 36/100 11.5x — 8.3% +0.46% $183.1M Benchmark Subject
BAFN
BayFirst Financial Corp.
D- 38/100 — — -30.1% +1.38% $180.2M /bafn-vs-finw →
SBFG
SB Financial Group Inc.
B 72/100 14.0x — 9.9% +1.75% $193.2M /sbfg-vs-finw →
LARK
Landmark Bancorp Inc.
C 62/100 — — 0.0% +0.87% $195.6M /lark-vs-finw →
EBMT
Eagle Bancorp Montana Inc.
C- 59/100 11.5x — 7.7% +2.17% $168.9M /ebmt-vs-finw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001856365 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), FinWise Bancorp (FINW) reported GAAP revenue of $410.4M (+31.0% vs. FY2024 revenue of $313.3M , and +422.3% cumulative change since FY2023) , GAAP net income of $16.1M, operating cash flow of -$28.4M, and free cash flow of -$28.6M (-78.3% YoY). On the balance sheet, FINW closed FY2025 with $977.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $410.4M $16.1M -$28.4M -$28.6M $977.1M —
FY2024 (FY) 2024-12-31 $313.3M $12.7M -$15.0M -$16.1M $746.0M —
FY2023 (FY) 2023-12-31 $78.6M $17.5M $12.3M $12.3M — —

3. FINW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FINW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, FinWise Bancorp (NASDAQ: FINW) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $13.25 (+0.46% 1D, market cap $183.1M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, FINW ranks #967 in composite RQD confidence.

How does FINW compare to BAFN and SBFG in the Financials sector?

Within the Financials sector (Major Banks), FINW carries a Roarable D- (36/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.3%. By comparison, BAFN (BayFirst Financial Corp.) holds a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $180.2M) and SBFG (SB Financial Group Inc.) posts a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $193.2M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FINW?

Per FINW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001856365), FinWise Bancorp generated $410.4M in revenue (+31.0% YoY), $16.1M in net income, and -$28.6M in free cash flow against $977.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FINW trading relative to its 50-day, 200-day, and 52-week technical levels?

FINW last traded at $13.25 (+0.46% on volume of 94,443 shares), positioning the stock +9.50% above its 50-day simple moving average ($12.10) and -8.81% below its 200-day simple moving average ($14.53). Across its 52-week range of $9.58 to $19.86, FINW sits at the 35.7% percentile with a 14-day RSI of 72.6 (OVERBOUGHT (>70)) and an implied next-earnings move of ±10.6% ($11.85 to $14.65).

Direct Sub-Reports: FINW RQD Cockpit FINW 12M Forecast FINW Earnings & Move FINW Dividends & DRIP FINW Insiders & 13F FINW Whale Options FINW Profit Sankey FINW News & Why
ROARABLE RATING BRIEF • RQD 36/100 (D-) ✓ SEC XBRL & RQD VERIFIED

FINW — FinWise Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

FinWise Bancorp (FINW) earns a live Roarable RQD composite score of 36/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $13.25 (+0.46% 1D, market capitalization $183.1M).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 8.3%, gross margin of —, operating margin of —, and free cash flow yield of -15.48%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (5/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

FinWise Bancorp (FINW) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry. Its market capitalization is $0.2B. Per the recent news wire, the company is expected to sell a credit card business by the second quarter of 2027 and retain the underlying technology.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), FinWise Bancorp (FINW) reported $410.4M in annual revenue (up from $313.3M in FY2024, +31.0% YoY) and $16.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($78.6M revenue, $17.5M net income) through FY2025, FINW scaled operating cash flow to -$28.4M and free cash flow to -$28.6M, backed by $977.1M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 36/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -15.48% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $9.58 – $19.86 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 11.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream supply-chain dependencies, butterfly links, or proprietary signals are recorded. Sector correlations and second-order bottlenecks cannot be assessed from source data. The one identifiable ripple is the planned credit card business sale noted in the news wire, which would alter the revenue base, though its size and effect are not quantified in the source data.

  • Key Question #1: Can FINW sustain or expand its — operating margin and 8.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $410.4M and free cash flow of -$28.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FINW's 10.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FINW Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for FinWise Bancorp (FINW) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FINW Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FINW Bull vs. Bear Conversation Board — What's Your Call at $13.25?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FINW 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FINW:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $16.36 (+24.0%)
📌 Pinned Debate

Earnings are positive and the stock trades at a P/E of 11.5 with institutional whale flow support of 14 out of 20 in the RQD pillars.

Here is why I am bullish on FINW here at $13.19: Earnings are positive and the stock trades at a P/E of 11.5 with institutional whale flow support of 14 out of 20 in the RQD pillars.. Compare FINW's 0.0% operating margin and 8.3% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $12.53 are getting bought.

RetailWhale_TX 🐂 BULL

Both sides have a point here — FINW's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $11.21 (-15.0%)
Spot @ $13.19

Free cash flow yield of -15.48% and FCF of -$28.6M in FY 2025 mean reported earnings are not converting to cash.

Sitting on the sidelines or leaning short FINW above $13.19. Free cash flow yield of -15.48% and FCF of -$28.6M in FY 2025 mean reported earnings are not converting to cash.. Until Fundamental Cash Engine (5/20) and FCF yield (-15.48%) inflect higher, upside is capped near $19.86.

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