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$14.24 +0.10 (+0.71%) At close · Aug 20
Market Cap
$196.58M
Shares
13.88M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$14.24 Open$14.02 Day$13.38–14.31 52W close$12.98–22.49 Avg vol 30d28K Short int140K · 1.0% float · 4.9d Short vol79% Last earningsJul 29, 2026 DataNov 2021–Aug 2026 Filing10-Q · Aug 12

Up next

Next earnings call
Oct 29, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 12, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Weak Sentiment Neutral Fundamentals Strong Quant / Vol High
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg −11%
      below
      Price vs 50-day avg +1%
      above
      RSI (14) 55
      neutral
      MACD trend Positive
      52-week position 13%
      near low
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return +6%
      trailing
      6-month return −15%
      trailing
      YTD return −21%
      this year
      Relative strength −27%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $14 › 200d $16 — 200d above 50d
      Institutional flow Accumulating
      +21% holders QoQ · +15 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      1.01% of float · ▲ +5.5% MoM · 4.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      69 holders — near 3-yr high, broad support
      Squeeze score 48
      elevated · 0–100
      Fundamentals
      Strong
      EPS growth +22%
      Y/Y
      Free cash flow $-28.6M
      Valuation P/E 14.8
      in line
      Balance sheet $163.4M
      net cash
      Quant / Vol
      risk profile
      High
      Volatility 35%
      annualized · 1-yr
      Max drawdown −42%
      past year
      ATR 3.8%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Organic growth of credit enhanced balances · the full year $8M – $10M
      Prior guidance period ended · from the Earnings Call filed Jun 30, 2025
      Credit-enhanced assets · by the end of the fourth quarter this year $50M – $100M
      Non-Performing Assets migration · Q3 $0 – $12M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      2 · 3 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −11% Bearish
      Price vs 50-day avg
      +1% Bullish
      RSI (14)
      55 Neutral
      MACD trend
      Positive Bullish
      52-week position
      13% Bearish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $14 › 200d $16 — 200d above 50d
      Institutional flow Accumulating
      +21% holders QoQ · +15 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      1.01% of float · ▲ +5.5% MoM · 4.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      69 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $13 Now $14 · 13% Range high $22
      vs 200-day avg -11% vs 50-day avg +1%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      2Q26 Gain on Sale (net) and Strategic Program Fees $5.4M 2Q26 —
      ACL/Total Gross Loans HFI 8.3% end of 2Q26 —
      Adjusted efficiency ratio non-GAAP 63.9% June 30, 2026 —
      Adjusted net interest income non-GAAP $15.46M June 30, 2026 —
      Adjusted non-interest expense non-GAAP $15.58M June 30, 2026 —
      Adjusted non-interest income non-GAAP $8.92M June 30, 2026 —
      Adjusted operating revenue non-GAAP $54.34M June 30, 2026 —
      SBA Unguaranteed loans as a percent of portfolio 13.1% 2Q26 —
      Strategic Platform Loans on Bal. Sheet $319.9M As of 6/30/26 —
      Tangible shareholders' equity non-GAAP $199.19M June 30, 2026 —
      Nonperforming loan balances $49.8M As of March 31, 2026 —
      Nonperforming loan balances guaranteed by the SBA $26.7M As of March 31, 2026 —
      Credit enhanced product balances $118M FY2025 —
      Leverage ratio (Bank under CBLR) 16.9% Q4 2025 —
      Loan originations 6.1B FY2025 —
      Tangible book value per share non-GAAP $14.15 Q4 2025 —
      Tangible shareholders' equity to tangible assets non-GAAP 19.8% Q4 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FINW
      Finwise Bancorp
      this stock
      		$196.58M -20.6% — 14.8 1.0%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.1% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +18.7% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      69
      % held
      29.3%
      Net QoQ
      +217.8K sh
      Top holder
      ALLIANCEBERNSTEIN L.P.
      Held Float
      View
      Held by Funds
      Fund positions
      103
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      140.0K
      Days to cover
      4.9d
      Change
      +7.3K sh
      View
      Short Volume
      Short vol %
      79%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      173
      Value
      $2.4K
      As of
      Jul 28, 2026
      View
      Off-Exchange
      Off-exchange %
      53.8%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $16.1M
      EPS diluted
      $1.13
      View
      Buybacks
      Authorized
      shares 685.0K
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 12, 2026
      This year
      13
      View
      Exempt Offerings
      Offering
      $5.0M
      Filed
      Feb 8, 2024
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 29, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FINW +2.6% +6.2% -15.4% +3.5% -20.6%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY +4.6% +2.9% -26.6% +1.4% -32.5%

      Capital returns

      Buyback program · as of May 19, 2026
      Authorized
      shares 685,000
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1856365 CUSIP 31813A109 13F (30d) 64 filings 64 filers Visit website Investor relations

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