Finished - maybe. For today, at least. At this stage I generally stop, put the painting up on my studio wall somewhere and see if it annoys me while I'm working on other stuff. In a week or two I'll take it down, have a closer look and either do more to it or decide it is done and put a layer of retouch varnish on it.
Then it goes back on the wall until I decide to either do more to it (it it's crying for attention) or send it to a gallery. Depending on how long it's been it then gets a final coat of varnish or gets taken directly to the framer.
After that it depends very much on other people what happens - although I have a sneaking suspicion I might just keep this one for myself!