FinWise Bancorp (FINW)
Market Price (2/25/2026): $16.59 | Market Cap: $213.3 MilSector: Financials | Industry: Regional Banks
FinWise Bancorp (FINW)
Market Price (2/25/2026): $16.59Market Cap: $213.3 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0% | Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -40% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -48% | Key risksFINW key risks include [1] significant credit exposure from a high level of bad loans and rising non-performing assets, Show more. |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 29% | |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -27% | |
| Low stock price volatilityVol 12M is 38% | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -48% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 29% |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -27% |
| Low stock price volatilityVol 12M is 38% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -40% |
| Key risksFINW key risks include [1] significant credit exposure from a high level of bad loans and rising non-performing assets, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. FinWise Bancorp reported a significant earnings per share (EPS) miss for Q4 2025. The company posted diluted EPS of $0.27, falling short of analyst expectations of $0.35 per share, representing a miss of 22.86%.
2. The company experienced a sequential slowdown in loan originations and provided a conservative outlook. Loan originations in Q4 2025 decreased by 13% quarter-over-quarter to $1.6 billion, down from $1.8 billion in Q3 2025. Management anticipates Q1 2026 loan originations to further track at approximately $1.4 billion, suggesting a continued slowdown in a key growth metric.
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Stock Movement Drivers
Fundamental Drivers
The -13.9% change in FINW stock from 10/31/2025 to 2/24/2026 was primarily driven by a -21.7% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2242026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.19 | 16.52 | -13.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 90 | 105 | 17.4% |
| Net Income Margin (%) | 15.1% | 14.2% | -5.8% |
| P/E Multiple | 18.1 | 14.2 | -21.7% |
| Shares Outstanding (Mil) | 13 | 13 | -0.6% |
| Cumulative Contribution | -13.9% |
Market Drivers
10/31/2025 to 2/24/2026| Return | Correlation | |
|---|---|---|
| FINW | -13.9% | |
| Market (SPY) | 0.8% | 31.4% |
| Sector (XLF) | -2.7% | 40.4% |
Fundamental Drivers
The -7.6% change in FINW stock from 7/31/2025 to 2/24/2026 was primarily driven by a -21.2% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2242026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.87 | 16.52 | -7.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 84 | 105 | 24.6% |
| Net Income Margin (%) | 14.9% | 14.2% | -4.8% |
| P/E Multiple | 18.0 | 14.2 | -21.2% |
| Shares Outstanding (Mil) | 13 | 13 | -1.1% |
| Cumulative Contribution | -7.6% |
Market Drivers
7/31/2025 to 2/24/2026| Return | Correlation | |
|---|---|---|
| FINW | -7.6% | |
| Market (SPY) | 9.0% | 26.6% |
| Sector (XLF) | -2.3% | 33.1% |
Fundamental Drivers
The -10.8% change in FINW stock from 1/31/2025 to 2/24/2026 was primarily driven by a -17.9% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2242026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.53 | 16.52 | -10.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 81 | 105 | 29.3% |
| Net Income Margin (%) | 17.3% | 14.2% | -17.9% |
| P/E Multiple | 16.6 | 14.2 | -14.7% |
| Shares Outstanding (Mil) | 13 | 13 | -1.6% |
| Cumulative Contribution | -10.8% |
Market Drivers
1/31/2025 to 2/24/2026| Return | Correlation | |
|---|---|---|
| FINW | -10.8% | |
| Market (SPY) | 15.2% | 40.3% |
| Sector (XLF) | 0.1% | 44.6% |
Fundamental Drivers
The 90.1% change in FINW stock from 1/31/2023 to 2/24/2026 was primarily driven by a 266.4% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2242026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.69 | 16.52 | 90.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 90 | 105 | 16.5% |
| Net Income Margin (%) | 31.8% | 14.2% | -55.2% |
| P/E Multiple | 3.9 | 14.2 | 266.4% |
| Shares Outstanding (Mil) | 13 | 13 | -0.6% |
| Cumulative Contribution | 90.1% |
Market Drivers
1/31/2023 to 2/24/2026| Return | Correlation | |
|---|---|---|
| FINW | 90.1% | |
| Market (SPY) | 75.4% | 27.6% |
| Sector (XLF) | 45.8% | 29.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FINW Return | 8% | -33% | 55% | 12% | 12% | -8% | 29% |
| Peers Return | 27% | -35% | 14% | 10% | 12% | 4% | 19% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| FINW Win Rate | 100% | 50% | 42% | 58% | 50% | 0% | |
| Peers Win Rate | 51% | 35% | 57% | 50% | 55% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| FINW Max Drawdown | -1% | -39% | -16% | -39% | -14% | -8% | |
| Peers Max Drawdown | -21% | -48% | -30% | -24% | -22% | -6% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CASH, LOB, ESQ, GDOT, MQ.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/24/2026 (YTD)
How Low Can It Go
| Event | FINW | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -63.3% | -25.4% |
| % Gain to Breakeven | 172.8% | 34.1% |
| Time to Breakeven | 851 days | 464 days |
Compare to CASH, LOB, ESQ, GDOT, MQ
In The Past
FinWise Bancorp's stock fell -63.3% during the 2022 Inflation Shock from a high on 3/2/2022. A -63.3% loss requires a 172.8% gain to breakeven.
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About FinWise Bancorp (FINW)
AI Analysis | Feedback
Here are 1-3 brief analogies to describe FinWise Bancorp (FINW):
'Intel Inside' for fintech lending.
The Shopify of fintech lending.
A bank built for the fintech era, like a B2B version of SoFi.
AI Analysis | Feedback
- Program Lending (Lending Service): Facilitates a wide range of loan products, including consumer, small business, and point-of-sale loans, through partnerships with fintech companies leveraging a Banking-as-a-Service model.
- Commercial Lending (Lending Service): Provides direct loan financing solutions to businesses, including commercial real estate loans and commercial and industrial (C&I) loans.
- Deposit Services (Deposit Service): Offers a comprehensive suite of deposit accounts for businesses and consumers, such as checking, savings, money market, and certificate of deposit (CD) accounts.
AI Analysis | Feedback
FinWise Bancorp (FINW) primarily sells its services to other companies, particularly through its Strategic Program Lending (SPL) segment. In this segment, FinWise Bank partners with financial technology (FinTech) companies to originate loans. While these loans ultimately serve individuals and small businesses, the direct "customers" for FinWise's origination, compliance, and balance sheet services in this significant segment are these FinTech companies themselves.
Major customer companies include:
- OppFi Inc. (Symbol: OPFI) - A publicly traded financial technology platform that enables banks to offer financial products to everyday consumers. FinWise Bank is a significant bank partner for loan origination through OppFi's platform.
- Fundbox - A private financial technology company providing credit and banking solutions to small businesses.
- Kapitus - A private financial technology company offering various small business financing solutions.
- Bluevine - A private financial technology company providing banking and credit solutions primarily for small businesses.
AI Analysis | Feedback
- LendingClub (LC)
- OppFi (OPFI)
- Fundbox
- Lendio
- OnDeck
- Kapitus
- LendingPoint
- Upgrade
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```htmlKent Landvatter, Chairman of the Board and CEO of FinWise Bancorp
Mr. Landvatter joined FinWise and FinWise Bank in September 2010 as President and Chief Executive Officer. He possesses over 40 years of financial services and banking experience, including work with distressed banks and serving as president of two de novo banks, Comenity Capital Bank and Goldman Sachs Bank, USA. His unique vision, cultivated over decades of banking experience, is credited with FinWise Bank's emergence as a top-performing community bank.
Jim Noone, CEO of FinWise Bank and President of FinWise Bancorp
Mr. Noone was appointed CEO of FinWise Bank in March 2025 and President of FinWise Bancorp in March 2024, having joined the Bank in February 2018. He has over 20 years of financial services experience, encompassing commercial banking, investment banking, and private equity. Mr. Noone played a significant role in the company's initial public offering. Prior to FinWise Bank, he served as Executive Vice President of Prudent Lenders from 2012 to 2018.
Robert Wahlman, Chief Financial Officer
Mr. Wahlman joined FinWise as Chief Financial Officer in March 2024. He brings over 35 years of experience in the banking industry, with nearly two decades as CFO for both private and publicly listed bank holding companies. Notably, he served as CFO for Axiom Bancshares, Inc. and Axiom Bank, where he was key in restoring the bank to profitable operations. His previous roles include CFO for Customers Bancorp, Inc., Doral Financial Corp, and Merrill Lynch US Banks. Mr. Wahlman has also served on three bank boards of directors.
Michael O'Brien, Chief Compliance and Risk Officer and Corporate Counsel
Mr. O'Brien serves as the Chief Compliance and Risk Officer and Corporate Counsel for FinWise Bancorp. He is also listed as Executive Vice President, Chief Compliance & Risk Officer, Corporate Counsel, and Corporate Secretary.
AI Analysis | Feedback
The key risks to FinWise Bancorp (FINW) primarily revolve around its credit exposure, regulatory compliance in its specialized fintech partnerships, and cybersecurity vulnerabilities.
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Credit Risk and Loan Losses: FinWise Bancorp faces significant credit risk, particularly within its Strategic Programs and SBA lending portfolios. The company has reported a high level of bad loans, at 7.3%, coupled with a low allowance for such loans (61%). There has been a substantial increase in the provision for credit losses and a rise in non-performing assets, which climbed to $42.8 million by September 30, 2025, from $36.5 million at the end of 2024. This increase is partly attributed to the SBA 7(a) loan portfolio, where higher interest rates are straining small business borrowers. The growth in credit-enhanced loans also contributes to FinWise taking on more risk.
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Regulatory and Compliance Risk: Operating in the niche market of providing banking services to fintech companies exposes FinWise Bancorp to considerable regulatory hurdles. Consumer advocacy groups have criticized FinWise Bank for facilitating loans that they describe as "usurious" and potentially enabling partners to bypass state interest rate caps. These groups have urged the Federal Deposit Insurance Corporation (FDIC) to downgrade FinWise on its Community Reinvestment Act examination, which could negatively impact the bank's ability to engage in mergers and harm its reputation. The company is subject to extensive regulations, and non-bank competitors, not facing the same scrutiny, may have greater flexibility.
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Cybersecurity and Data Breach Risk: FinWise Bank experienced a data breach impacting nearly 700,000 individuals, which was disclosed over a year after its discovery. The incident, attributed to "insider wrongdoing," has led to six class-action lawsuits seeking over $5 million in damages against FinWise and its fintech partner, American First Finance. The compromised data included personally identifiable information such as full names, dates of birth, Social Security numbers, and account numbers, which plaintiffs allege was stored unencrypted. This type of breach carries significant financial penalties and reputational damage.
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The increasing regulatory scrutiny and potential restrictions on bank-fintech partnership models (particularly the "loan origination program" or "bank-as-a-service" model) pose a clear emerging threat to FinWise Bancorp. Regulators, including the FDIC, OCC, and CFPB, are intensifying their examination of these arrangements for compliance with consumer protection laws, usury limits, and ensuring that banks maintain appropriate oversight. Potential outcomes include stricter guidelines, enforcement actions, or even limitations on the model itself, which could severely curtail FinWise Bancorp's primary growth engine and profitability that relies heavily on these strategic partnerships.
AI Analysis | Feedback
FinWise Bancorp (FINW) primarily focuses on providing banking and payment solutions to fintech brands, a sector often referred to as Banking as a Service (BaaS). Their main offerings in this area include Strategic Program Lending (SPL), Credit Enhanced Balance Sheet programs, Payments (MoneyRails™), and BIN Sponsorship. FinWise Bancorp also provides traditional lending services such as Small Business Administration (SBA) loans, residential and commercial real estate loans, consumer loans, and equipment leasing programs, along with various deposit products. The addressable market for FinWise Bancorp's core Banking as a Service (BaaS) platform and related fintech solutions is global. The global Banking as a Service (BaaS) Platform Market is estimated to be USD 4.9 billion in 2025 and is projected to reach USD 19.3 billion by 2035, demonstrating a compound annual growth rate (CAGR) of 14.7%. Another estimate indicates the global BaaS market was valued at USD 6.74 billion in 2025 and is projected to grow to USD 21.9 billion by the end of 2030, with a CAGR of 26.6% over the 2025-2030 forecast period.AI Analysis | Feedback
Expected Drivers of Future Revenue Growth for FinWise Bancorp (FINW)
Over the next 2-3 years, FinWise Bancorp (FINW) is anticipated to drive revenue growth through several key strategic initiatives and expanding operations:
- Expansion of Strategic Program Lending (SPL) with a Focus on Credit Enhanced Balances: FinWise Bancorp is strategically growing its Strategic Program Lending, particularly by increasing credit-enhanced balances. The company aims for credit enhanced balances to reach approximately $115 million by year-end 2025, significantly up from previous expectations, driven by organic growth and new agreements. This program provides lower-risk asset growth and interest income.
- Growth in Fintech Banking & Payments Solutions (MoneyRails™ and BIN Sponsorship): FinWise is actively diversifying its business model by incorporating Payments (MoneyRails™) and BIN Sponsorship offerings. These solutions are expected to generate lower-cost deposits and additional fee income, further supporting revenue diversification.
- Formation of New Strategic Partnerships: Recent and future strategic agreements are crucial for FinWise Bancorp's growth. The company has announced partnerships with DreamFi and Tallied Technologies, which are projected to significantly enhance credit portfolio balances and accelerate growth. These collaborations bring substantial benefits and are poised to drive future revenue.
- Consistent Growth in Loan Originations: FinWise Bancorp has demonstrated strong performance in loan originations, with significant increases quarter-over-quarter and year-over-year. For the third quarter of 2025, loan originations totaled $1.8 billion, a 21% increase quarter-over-quarter and 24% year-over-year. This consistent expansion of the loan portfolio is a fundamental driver of revenue growth, with management projecting a 5% annualized growth rate in originations from the $1.4 billion quarterly level during 2026.
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Share Repurchases
- FinWise Bancorp announced a share repurchase program in August 2022, authorizing the repurchase of up to 644,241 shares (approximately 5% of outstanding common stock), which was completed during the third quarter of 2023.
- A new common stock repurchase program was authorized in March 2024 to purchase up to 641,832 shares, or approximately 5% of issued and outstanding shares as of March 6, 2024, with repurchases to be made through March 31, 2026.
- Since the inception of the March 2024 program, the company had repurchased a total of 44,608 shares for $0.5 million as of September 30, 2025.
Share Issuance
- FinWise Bancorp undertook an Initial Public Offering (IPO) in 2021 to offer shares of its common stock.
- In February 2024, the company issued 339,176 shares of its common stock to acquire an additional 10% of the nonvoting ownership interests in BFG.
- Shareholders approved an amendment in June 2024 to increase the shares reserved for issuance under the 2019 Stock Plan by an additional 500,000 shares, bringing the total to 1,780,000.
Outbound Investments
- FinWise Bancorp made a strategic investment by acquiring an additional 10% of the nonvoting ownership interests in BFG, which closed on February 5, 2024.
Capital Expenditures
- Annual capital expenditures were approximately $0.6 million in 2020, $2.3 million in 2021, $7.2 million in 2022, $7.5 million in 2023, $4.9 million in 2024, and $8.6 million for the latest available period in 2025.
- The primary focus of capital expenditures includes investments in the business to become an integrated Fintech banking solutions provider, incorporating BIN Sponsorship and Payments HUB offerings.
- Capital outlays also support organic growth efforts, including technology-driven loan origination and expenses related to occupancy and equipment.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| FinWise Bancorp Stock Drop Looks Sharp, But How Deep Can It Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to FINW.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -25.2% | -25.2% | -25.3% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -9.3% | -9.3% | -9.3% |
| 01302026 | ALLY | Ally Financial | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -5.5% | -5.5% | -5.5% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -21.6% | -21.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -25.4% | -25.4% | -26.8% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 27.58 |
| Mkt Cap | 1.3 |
| Rev LTM | 561 |
| Op Inc LTM | -3 |
| FCF LTM | 102 |
| FCF 3Y Avg | 53 |
| CFO LTM | 156 |
| CFO 3Y Avg | 102 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 18.1% |
| Rev Chg 3Y Avg | 9.3% |
| Rev Chg Q | 19.2% |
| QoQ Delta Rev Chg LTM | 4.3% |
| Op Mgn LTM | -4.7% |
| Op Mgn 3Y Avg | -9.1% |
| QoQ Delta Op Mgn LTM | 3.0% |
| CFO/Rev LTM | 30.9% |
| CFO/Rev 3Y Avg | 24.1% |
| FCF/Rev LTM | 26.5% |
| FCF/Rev 3Y Avg | 16.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.3 |
| P/S | 3.1 |
| P/EBIT | -7.7 |
| P/E | 12.5 |
| P/CFO | 3.5 |
| Total Yield | 5.4% |
| Dividend Yield | 0.1% |
| FCF Yield 3Y Avg | 8.3% |
| D/E | 0.0 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.0% |
| 3M Rtn | -0.6% |
| 6M Rtn | -5.9% |
| 12M Rtn | 21.4% |
| 3Y Rtn | 44.4% |
| 1M Excs Rtn | -3.7% |
| 3M Excs Rtn | 2.1% |
| 6M Excs Rtn | -12.2% |
| 12M Excs Rtn | 6.1% |
| 3Y Excs Rtn | -26.0% |
Price Behavior
| Market Price | $16.52 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 11/19/2021 | |
| Distance from 52W High | -26.5% | |
| 50 Days | 200 Days | |
| DMA Price | $17.76 | $17.47 |
| DMA Trend | up | down |
| Distance from DMA | -7.0% | -5.4% |
| 3M | 1YR | |
| Volatility | 30.1% | 37.6% |
| Downside Capture | 118.55 | 91.75 |
| Upside Capture | 49.33 | 64.84 |
| Correlation (SPY) | 28.8% | 41.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.63 | 0.38 | 0.51 | 0.71 | 0.79 | 0.68 |
| Up Beta | 3.47 | 2.57 | 0.37 | 1.28 | 0.57 | 0.47 |
| Down Beta | -0.10 | -0.26 | 0.41 | 0.04 | 1.16 | 0.91 |
| Up Capture | 17% | 15% | 26% | 66% | 59% | 46% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 18 | 27 | 56 | 117 | 352 |
| Down Capture | 90% | 55% | 90% | 101% | 82% | 84% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 6 | 19 | 28 | 60 | 124 | 355 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FINW | |
|---|---|---|---|---|
| FINW | -14.6% | 37.7% | -0.35 | - |
| Sector ETF (XLF) | 1.5% | 19.6% | -0.04 | 46.8% |
| Equity (SPY) | 15.6% | 19.3% | 0.63 | 41.8% |
| Gold (GLD) | 76.8% | 25.7% | 2.19 | -1.3% |
| Commodities (DBC) | 9.1% | 16.9% | 0.35 | 10.7% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.29 | 29.2% |
| Bitcoin (BTCUSD) | -33.3% | 45.1% | -0.76 | 16.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FINW | |
|---|---|---|---|---|
| FINW | 6.2% | 39.1% | 0.28 | - |
| Sector ETF (XLF) | 11.5% | 18.8% | 0.49 | 30.2% |
| Equity (SPY) | 13.4% | 17.0% | 0.62 | 27.7% |
| Gold (GLD) | 23.5% | 17.1% | 1.12 | 1.5% |
| Commodities (DBC) | 10.6% | 19.0% | 0.45 | 6.4% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 19.9% |
| Bitcoin (BTCUSD) | 4.3% | 57.1% | 0.30 | 9.7% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FINW | |
|---|---|---|---|---|
| FINW | 3.0% | 39.1% | 0.28 | - |
| Sector ETF (XLF) | 13.7% | 22.2% | 0.57 | 30.2% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 27.7% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | 1.5% |
| Commodities (DBC) | 8.6% | 17.6% | 0.41 | 6.4% |
| Real Estate (VNQ) | 6.8% | 20.7% | 0.29 | 19.9% |
| Bitcoin (BTCUSD) | 65.9% | 66.7% | 1.05 | 9.7% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/29/2026 | |||
| 10/29/2025 | 4.7% | 7.7% | 1.1% |
| 7/24/2025 | 10.4% | 14.1% | 23.2% |
| 4/30/2025 | -3.8% | -8.3% | -5.2% |
| 1/30/2025 | 11.5% | 18.8% | 17.0% |
| 10/24/2024 | 0.1% | 4.2% | 11.1% |
| 7/25/2024 | 4.7% | 7.1% | 8.8% |
| 4/29/2024 | -1.1% | -1.0% | -6.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 9 | 10 |
| # Negative | 5 | 6 | 5 |
| Median Positive | 4.7% | 7.7% | 9.6% |
| Median Negative | -3.3% | -4.6% | -6.6% |
| Max Positive | 11.5% | 19.0% | 31.2% |
| Max Negative | -3.8% | -18.2% | -41.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/11/2025 | 10-Q |
| 03/31/2025 | 05/13/2025 | 10-Q |
| 12/31/2024 | 03/26/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/25/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/15/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
| 03/31/2022 | 05/16/2022 | 10-Q |
| 12/31/2021 | 03/30/2022 | 10-K |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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