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Finwise Bancorp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by Reynolds Howard I, was filed 03 Nov 2025.
Finwise Bancorp: what insiders have been doing
Finwise Bancorp is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). Between 23 October 2025 and 23 October 2026, 18 insiders published 27 filings.
On the market, 1 insider bought (1 purchase totalling €38k) while 1 insider sold (1 sale totalling €25k). Taken together, the purchases exceed the sales by €12k. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. Biggest ticket of the year: €38k, bought by Reynolds Howard I and made public on 3 November 2025. On the buying side, the filings list 1 senior executive among the declarants.
With 27 filings in twelve months, the company is more active than the median of 24 filings across the 3,167 companies we follow on the same exchange. Looking back to 2021, when coverage begins, insiders filed 25 purchases and 1 sale. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 16.1 m USD.
The last insider purchase was made public on 3 November 2025, 355 days ago. The median gap between a trade and its publication by SEC (Form 4) is 1 day. US insiders must file a Form 4 within two business days of a trade.
In the same sector, recent insider purchases at ASR Nederland N.V. and Avarda Bank AB also feature in our signals. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
124
Thresholds
n/a
Buy Volume
€1M
25 ops. · all time
Sell Volume
€25,347
1 ops. · all time
Who traded when
BuySaleHoward I. Reynolds1 buy
James N. Giordano1 buy
Robert Keil1 sale
Since the insiders bought
- -0.6%Entry US$18.97 · Close at T+90 US$18.86
- -30.0%Entry US$19.38 · Close at T+365 US$13.56
- +93.1%Entry US$9.37 · Close at T+365 US$18.09
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 10,647 of 26,248 companies
56.3
score / 100
Value49
Quality64
FCF yld-23%
Earn yld11%
EV/EBITDA·
ROE7.2%
Gross mgn·
Net mgn12%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$10.57
Analyst consensus
3 analysts2.33/5
US$14.00Target US$16.33(+55%)US$19.00
Income statement
RevenueUS$129.4M
Net incomeUS$16.1M11.7% margin
Valuation
PER (trailing)11.0x
PER (forward)10.4x
P/Book0.7x
Beta0.73
Balance sheet & cash
Market capUS$146.7M
Total debtUS$4.4M
Free Cash Flow-US$34.2M
Profitability & ownership
ROE7.2%
ROA1.5%
% insiders31.5%
% institutions28.0%
Last declaration on 29 July 2026
Declarations124 total
15,715 shares@ US$13.960.14% mcap36.6% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000097:0
15,033 shares@ US$13.960.13% mcap96.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000095:0
14,345 shares@ US$13.960.13% mcap100.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000094:0
56,476 shares@ US$13.960.50% mcap42.1% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000098:0
17,389 shares@ US$13.960.15% mcap38.9% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000099:0
17,880 shares@ US$13.960.16% mcap39.2% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000100:0
56,476 shares@ US$13.960.50% mcap33.1% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000101:0
26,192 shares@ US$13.960.23% mcap43.3% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000102:0
19,072 shares@ US$13.960.17% mcap100.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000096:0
285 shares@ US$14.240.0022% mcap1.8% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000070:0
1,728 shares@ US$14.240.013% mcap4.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000068:0
3,067 shares@ US$14.240.023% mcap5.1% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000064:0
1,759 shares@ US$14.240.013% mcap3.9% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000066:0
1,961 shares@ US$14.000.015% mcap4.5% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000058:0
1,995 shares@ US$14.000.015% mcap4.4% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000056:0
3,918 shares@ US$14.000.029% mcap6.4% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000062:0
348 shares@ US$14.000.0026% mcap2.2% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000060:0
3,179 shares@ US$15.7334.7% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000011:0
3,179 shares@ US$15.7334.7% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000015:0
3,179 shares@ US$15.7355.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000017:0
3,179 shares@ US$15.7355.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000023:0
1,589 shares@ US$15.7338.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000021:0
3,189 shares@ US$15.7322.8% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000019:0
19,072 shares@ US$15.73100.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000025:0
3,179 shares@ US$15.7318.0% of flowCommon Stock, par value $0.001 per shareSEC:0001856365-26-000013:0
25 of 124 declarations
About Finwise Bancorp
FinWise Bancorp is a United States-based bank holding company headquartered in Murray, Utah. Its common stock is publicly traded on the Nasdaq Global Market under the ticker FINW, placing it within the small- to mid-cap U.S. financial sector with a notable technology-enabled banking angle. The company operates through its wholly owned subsidiary, FinWise Bank, and FinWise Investment, LLC. Its reported operating model is organized into three segments: traditional banking, Banking-as-a-Service (BaaS), and treasury & administration. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm?utm_source=openai))
From a business perspective, FinWise is not a conventional branch-heavy consumer bank. It combines a local banking footprint in Utah with a national origination platform and program-based relationships. The company states that it operates a full-service banking location in Sandy, Utah, while much of its lending and deposit gathering is conducted nationally through strategic program partners, SBA borrowers, institutional deposit channels, brokered deposits, and other funding sources. This hybrid structure is central to the investment case: FinWise aims to monetize both local banking relationships and scalable, technology-driven distribution channels across the United States. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm?utm_source=openai))
Read moreShow less
FinWise describes itself as a technology-focused bank and has used technology-oriented loan origination platforms in several lines of business, including Strategic Programs, SBA lending, Residential & Owner Occupied Commercial Real Estate, and Equipment Financing. In its BaaS segment, the bank provides lending, card, and payments solutions nationally to fintech brands. For investors, that means the company’s earnings profile is tied less to traditional spread banking alone and more to its ability to serve as regulated banking infrastructure for fintech and embedded-finance partners, while maintaining disciplined credit underwriting and compliance execution. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm?utm_source=openai))
In competitive terms, FinWise is best viewed as a niche specialty bank rather than a diversified banking giant. Its smaller scale, program-oriented origination model, and fintech partnerships differentiate it from large U.S. money-center and regional banks. The company’s funding profile includes deposits sourced from the Salt Lake City, Utah metropolitan area as well as nationwide sources, and it relies on strategic relationships to broaden product distribution. Its business mix suggests a focus on efficiency, partner-driven growth, and asset generation in selected lending verticals rather than a broad branch-led retail strategy. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1856365/000185636526000051/finw-20260331.htm?utm_source=openai))
Recent corporate developments include the company’s 2025 annual report and first-quarter 2026 filing, which indicate continued growth in loan originations and ongoing reliance on strategic program activity. FinWise also announced a share repurchase program in March 2024, highlighting more active capital management. For French-speaking investors, FinWise Bancorp offers a specialized U.S. Nasdaq-listed exposure to digital banking, embedded finance, and programmatic lending, with performance driven by partner execution, funding mix, and credit quality. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1856365/000185636526000041/finwisebancorp2025ars.pdf?utm_source=openai))
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