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FinWise Bancorp(FINW)Earnings, Financials & Key Ratios
FINW•NASDAQ•Banking & Credit
12.5× P/E·Price updated Jun 19, 2026
AboutFinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.Show more
- Net Interest Income$72M+22.5%
- Total Revenue$151M+54.9%
- Net Income$16M+26.3%
- Return on Equity8.77%+13.2%
- Net Interest Margin7.39%-6.5%
- Efficiency Ratio46.59%-15.1%
- ROA1.87%-2.4%
- Equity / Assets19.77%-15.1%
- Book Value per Share14.24+8.5%
FINW Key Insights
FinWise Bancorp (FINW) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong NIM of 7.4%
- ✓Efficient operations: 46.6% efficiency ratio
- ✓Well capitalized: 19.8% equity/assets
- ✓Diversified revenue: 38.7% from non-interest income
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FINW Price & Volume
FinWise Bancorp (FINW) stock price & volume — 10-year historical chart
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FINW Growth Metrics
FinWise Bancorp (FINW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years28.06%
3 Years18.72%
TTM-
Profit CAGR
10 Years-
5 Years7.52%
3 Years-13.79%
TTM23.95%
EPS CAGR
10 Years-
5 Years-1.36%
3 Years-15.46%
TTM19.57%
Return on Capital
10 Years20.28%
5 Years17.78%
3 Years11.17%
Last Year10.4%
FINW Recent Earnings
FinWise Bancorp (FINW) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.20-39.4%
$0.33
Rev
$43M-15.4%
$50M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.27-22.9%
$0.35
Rev
$47M+10.7%
$42M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.34+14.6%
$0.30
Rev
$36M+29.1%
$28M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.29+26.5%
$0.23
Rev
$25M+5.4%
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.20vs $0.33-39.4% | $43Mvs $50M-15.4% |
| Q1 2026 | Jan 29, 2026 | $0.27vs $0.35-22.9% | $47Mvs $42M+10.7% |
| Q4 2025 | Oct 29, 2025 | $0.34vs $0.30+14.6% | $36Mvs $28M+29.1% |
| Q3 2025 | Jul 24, 2025 | $0.29vs $0.23+26.5% | $25Mvs $24M+5.4% |
Based on last 12 quarters of dataView full earnings history →
FINW Peer Comparison
FinWise Bancorp (FINW) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MFIN | 224.24M | 9.53 | 5.35 | 21.09% | 13.7% | 9.38% | 0.62 | |
 BYFC | 92.08M | 9.90 | -3.07 | -3.76% | -39.3% | -9.05% | 0.58 | |
 CARV | 8.24M | 1.56 | -0.59 | -8.28% | -35.2% | -44.42% | 0.98 | |
 ENVA | 5.05B | 202.55 | 17.49 | 18.58% | 9.95% | 24.88% | 3.41 | |
 RM | 349.57M | 37.20 | 8.36 | 9.7% | 7.4% | 13.16% | 4.65 | |
 WRLD | 896.53M | 177.95 | 10.92 | -1.46% | 7.46% | 10.79% | 1.20 | |
 ATLC | 1.51B | 100.12 | 16.80 | 53.29% | 10.79% | 21.82% | 10.84 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 |
Compare FINW vs Peers
FinWise Bancorp (FINW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FINW Income Statement
FinWise Bancorp (FINW) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Net Interest Income | 19.95M | 27.75M | 47.98M | 50.9M | 54.56M | 58.91M | 72.18M | 57.9M |
NII Growth % | - | 39.13% | 72.89% | 6.08% | 7.2% | 7.98% | 22.53% | -14.97% |
Net Interest Margin % | 11.26% | 8.74% | 12.62% | 12.7% | 9.31% | 7.9% | 7.39% | 6.44% |
Interest Income | 21.41M | 29.51M | 49.24M | 52.33M | 64.53M | 74.35M | 92.48M | 73.94M |
Interest Expense | 1.46M | 1.76M | 1.26M | 1.43M | 9.97M | 15.44M | 20.3M | 21.49M |
Loan Loss Provision | 5.29M | 5.23M | 8.04M | 13.52M | 11.64M | 11.57M | 38.57M | 29.79M |
Non-Interest Income | 13.86M | 14.32M | 31.84M | 37.89M | 22.06M | 23.11M | 58.48M | 83.96M |
Non-Interest Income % | 39.3% | 32.68% | 39.27% | 42% | 25.47% | 23.71% | 38.74% | 53.17% |
Total Revenue | 35.27M▲ 0% | 43.83M▲ 24.3% | 81.09M▲ 85.0% | 90.22M▲ 11.3% | 86.59M▼ 4.0% | 97.46M▲ 12.6% | 150.96M▲ 54.9% | 157.91M▲ 0% |
Revenue Growth % | - | 24.26% | 85.01% | 11.26% | -4.02% | 12.56% | 54.89% | 227.28% |
Non-Interest Expense | 15.69M | 21.7M | 29.51M | 39.23M | 41.16M | 53.46M | 70.33M | 55.76M |
Efficiency Ratio | 44.47% | 49.51% | 36.39% | 43.49% | 47.54% | 54.85% | 46.59% | 35.31% |
Operating Income | 12.84M▲ 0% | 15.14M▲ 17.9% | 42.27M▲ 179.2% | 36.03M▼ 14.8% | 23.81M▼ 33.9% | 16.99M▼ 28.7% | 21.76M▲ 28.1% | 21.12M▲ 0% |
Operating Margin % | 36.39% | 34.54% | 52.13% | 39.94% | 27.5% | 17.43% | 14.41% | 13.38% |
Operating Income Growth % | - | 17.95% | 179.21% | -14.76% | -33.91% | -28.66% | 28.08% | - |
Pretax Income | 12.84M▲ 0% | 15.14M▲ 17.9% | 42.27M▲ 179.2% | 36.03M▼ 14.8% | 23.81M▼ 33.9% | 16.99M▼ 28.7% | 21.76M▲ 28.1% | 21.12M▲ 0% |
Pretax Margin % | 36.39% | 34.54% | 52.13% | 39.94% | 27.5% | 17.43% | 14.41% | 13.38% |
Income Tax | 3.18M | 3.94M | 10.69M | 10.92M | 6.35M | 4.25M | 5.67M | 5.49M |
Effective Tax Rate % | 24.75% | 26.04% | 25.29% | 30.3% | 26.68% | 25% | 26.05% | 25.97% |
Net Income | 9.66M▲ 0% | 11.2M▲ 15.9% | 31.58M▲ 182.0% | 25.11M▼ 20.5% | 17.46M▼ 30.5% | 12.74M▼ 27.0% | 16.09M▲ 26.3% | 15.64M▲ 0% |
Net Margin % | 27.39% | 25.55% | 38.95% | 27.84% | 20.16% | 13.07% | 10.66% | 9.9% |
Net Income Growth % | - | 15.93% | 182.04% | -20.48% | -30.48% | -27.02% | 26.28% | 23.95% |
Net Income (Continuing) | 9.66M | 11.2M | 31.58M | 25.11M | 17.46M | 12.74M | 16.09M | 15.64M |
EPS (Diluted) | 0.79▲ 0% | 1.21▲ 53.2% | 3.27▲ 170.2% | 1.87▼ 42.8% | 1.33▼ 28.9% | 0.93▼ 30.1% | 1.13▲ 21.5% | 1.15▲ 0% |
EPS Growth % | - | 53.16% | 170.25% | -42.81% | -28.88% | -30.08% | 21.51% | 19.57% |
EPS (Basic) | 0.79 | 1.27 | 3.44 | 1.96 | 1.38 | 0.98 | 1.25 | - |
Diluted Shares Outstanding | 12.25M | 11.93M | 9.11M | 13.36M | 12.91M | 13.23M | 13.57M | 13.64M |
FINW Balance Sheet
FinWise Bancorp (FINW) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 106.06M | 163.4M | 393.05M |
Cash & Due from Banks | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 106.06M | 163.4M | 6.29M |
Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27.63M |
Total Investments | 134.75M | 258.6M | 276.25M | 257.65M | 387.55M | 476.95M | 618.28M | 27.63M |
Investments Growth % | - | 91.92% | 6.83% | -6.74% | 50.42% | 23.07% | 29.63% | -8.2% |
Long-Term Investments | 134.75M | 258.6M | 276.25M | 257.65M | 387.55M | 476.95M | 618.28M | 1.8B |
Accounts Receivables | 943K | 1.63M | 1.55M | 1.82M | 3.57M | 3.57M | 3.71M | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 926K | 1.26M | 3.29M | 14.52M | 18.92M | 19.89M | 18.08M | 0 |
Other Assets | 5.53M | 8.19M | 11.55M | 15.81M | 18.69M | 60.49M | 171.32M | 0 |
Total Current Assets | 35.72M | 49.01M | 87.3M | 111.64M | 161.06M | 188.65M | 167.11M | 33.92M |
Total Non-Current Assets | 141.34M | 268.5M | 292.91M | 289.14M | 425.16M | 557.33M | 810.03M | 0 |
Total Assets | 177.06M▲ 0% | 317.51M▲ 79.3% | 380.21M▲ 19.7% | 400.78M▲ 5.4% | 586.22M▲ 46.3% | 745.98M▲ 27.3% | 977.13M▲ 31.0% | 899.44M▲ 0% |
Asset Growth % | - | 79.32% | 19.75% | 5.41% | 46.27% | 27.25% | 30.99% | 110.96% |
Return on Assets (ROA) | 5.46% | 4.53% | 9.05% | 6.43% | 3.54% | 1.91% | 1.87% | 1.73% |
Accounts Payable | 64K | 195K | 48K | 54K | 619K | 1.49M | 2.63M | 0 |
Total Debt | 0 | 101.01M | 1.05M | 7.33M | 6.49M | 5.37M | 4.41M | 0 |
Net Debt | -34.78M | 53.62M | -84.7M | -93.23M | -110.49M | -100.7M | -158.99M | -6.29M |
Long-Term Debt | 0 | 101.01M | 1.05M | 314K | 190K | 64K | 0 | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 1.71M | 5.26M | 11.55M | 9.94M | 16.61M | 19.55M | 21.5M | 702.83M |
Total Current Liabilities | 142.25M | 165.38M | 252.17M | 243.05M | 407.32M | 546.45M | 758.03M | 0 |
Total Non-Current Liabilities | 1.71M | 106.26M | 12.6M | 17.27M | 23.84M | 25.81M | 25.91M | 702.83M |
Total Liabilities | 143.97M | 271.64M | 264.77M | 260.32M | 431.17M | 572.26M | 783.94M | 702.83M |
Total Equity | 33.09M▲ 0% | 45.87M▲ 38.6% | 115.44M▲ 151.7% | 140.46M▲ 21.7% | 155.06M▲ 10.4% | 173.72M▲ 12.0% | 193.19M▲ 11.2% | 196.61M▲ 0% |
Equity Growth % | - | 38.61% | 151.66% | 21.67% | 10.39% | 12.04% | 11.21% | 42.02% |
Equity / Assets (Capital Ratio) | 18.69% | 14.45% | 30.36% | 35.05% | 26.45% | 23.29% | 19.77% | 21.86% |
Return on Equity (ROE) | 29.19% | 28.36% | 39.16% | 19.63% | 11.82% | 7.75% | 8.77% | 8.24% |
Book Value per Share | 2.70 | 3.85 | 12.67 | 10.52 | 12.01 | 13.13 | 14.24 | 14.41 |
Tangible BV per Share | 2.70 | 3.85 | 12.67 | 10.52 | 12.01 | 13.13 | 14.24 | 14.41 |
Common Stock | 9K | 9K | 13K | 13K | 12K | 13K | 14K | 14K |
Additional Paid-in Capital | 15.27M | 16.85M | 54.84M | 54.61M | 51.2M | 56.93M | 60.96M | 0 |
Retained Earnings | 17.81M | 29.01M | 60.59M | 85.83M | 103.84M | 116.59M | 132.2M | 134.85M |
Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 187K | 26K | 44K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FINW Cash Flow Statement
FinWise Bancorp (FINW) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash from Operations | -7.89M | 19.59M | -9.23M | 61.15M | 12.27M | -14.99M | -28.42M | -1.46B |
Operating CF Growth % | - | 348.26% | -147.14% | 762.4% | -79.94% | -222.23% | -89.61% | -220187.42% |
Net Income | 9.66M | 11.2M | 31.58M | 25.11M | 17.46M | 12.74M | 16.09M | 15.64M |
Depreciation & Amortization | 460K | 1.01M | 1.04M | 2.11M | 3.81M | 5.26M | 0 | 1.13M |
Deferred Taxes | 11K | -312K | -1.37M | 656K | 1.92M | 90K | 0 | -268K |
Other Non-Cash Items | -17.77M | 4.62M | -46.66M | 35.27M | -13.15M | -34.32M | -40.71M | -1.46B |
Working Capital Changes | -2.02M | 1.32M | 4.08M | -2.77M | 182K | -816K | -3.8M | -3.54M |
Cash from Investing | -29.29M | -130.22M | 24.26M | -35.83M | -152.87M | -132.38M | -126.91M | 1.36B |
Purchase of Investments | 0 | -1.75M | -10.4M | -5.04M | -2.96M | -30.02M | 0 | 0 |
Sale/Maturity of Investments | 125K | 375K | 678K | 1.95M | 1.84M | 2.84M | 0 | 765K |
Net Investment Activity | 125K | -1.37M | -9.72M | -3.09M | -1.11M | -27.18M | 0 | 765K |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -28.87M | -128.25M | 36.31M | -25.53M | -144.3M | -100.31M | -126.91M | 1.36B |
Cash from Financing | 45.95M | 123.23M | 23.35M | -10.51M | 157.01M | 139.56M | 209.57M | 148.75M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -89K | -41K | 0 | -1.14M | -4.74M | -461K | 0 | 0 |
Stock Issued | 0 | 0 | 35.58M | 0 | 0 | 0 | 481K | 461K |
Net Stock Activity | -89K | -41K | 35.58M | -1.14M | -4.74M | -461K | 481K | 461K |
Debt Issuance (Net) | 0 | 1000K | -1000K | -736K | -125K | -126K | 0 | 0 |
Other Financing | 46.04M | 22.27M | 87.73M | -8.63M | 161.88M | 140.14M | 209.09M | 148.29M |
Net Change in Cash | 8.78M▲ 0% | 12.6M▲ 43.6% | 38.37M▲ 204.4% | 14.81M▼ 61.4% | 16.41M▲ 10.8% | -7.81M▼ 147.6% | 54.24M▲ 794.2% | 43.13M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 26M | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 109.16M | 0 |
Cash at End | 34.78M | 47.38M | 85.75M | 100.57M | 116.97M | 109.16M | 163.4M | 0 |
Interest Paid | 1.4M | 1.63M | 1.41M | 1.43M | 9.41M | 14.56M | 19.16M | 16.16M |
Income Taxes Paid | 3.18M | 3.33M | 10.47M | 9.36M | 6.63M | 8.06M | 7.06M | 6.65M |
Free Cash Flow | -8.43M▲ 0% | 18.99M▲ 325.3% | -11.57M▼ 160.9% | 53.94M▲ 566.4% | 4.81M▼ 91.1% | -19.89M▼ 513.7% | -5.7B▼ 28561.0% | -1.47B▲ 0% |
FCF Growth % | - | 325.33% | -160.9% | 566.37% | -91.09% | -513.69% | -28561.03% | -3263.78% |
FINW Banking Ratios
FinWise Bancorp (FINW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 28.36% | 39.16% | 19.63% | 11.82% | 7.75% | 8.77% | 8.24% |
Return on Assets (ROA) | 4.53% | 9.05% | 6.43% | 3.54% | 1.91% | 1.87% | 1.73% |
Net Interest Margin | 8.74% | 12.62% | 12.7% | 9.31% | 7.9% | 7.39% | 6.44% |
Efficiency Ratio | 49.51% | 36.39% | 43.49% | 47.54% | 54.85% | 46.59% | 35.31% |
Equity / Assets | 14.45% | 30.36% | 35.05% | 26.45% | 23.29% | 19.77% | 21.86% |
Book Value / Share | 3.85 | 12.67 | 10.52 | 12.01 | 13.13 | 14.24 | 14.41 |
NII Growth | 39.13% | 72.89% | 6.08% | 7.2% | 7.98% | 22.53% | -2.17% |
Dividend Payout | - | - | - | - | - | - | 0% |
Related:FINW Dividend History·FINW Revenue History·FINW Price History·FINW P/E History·FINW Financial Ratios·FINW Institutional Holders
FINW SEC Filings & Documents
FinWise Bancorp (FINW) SEC filings — annual & quarterly reports (10-K, 10-Q)
FINW Frequently Asked Questions
FinWise Bancorp (FINW) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
FinWise Bancorp (FINW) grew revenue by 54.9% over the past year. This is strong growth.
Yes, FinWise Bancorp (FINW) is profitable, generating $15.6M in net income for fiscal year 2025 (10.7% net margin).
Dividend & Returns
FinWise Bancorp (FINW) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.
Industry Metrics
FinWise Bancorp (FINW) has a net interest margin (NIM) of 7.4%. This indicates healthy earnings from lending activities.
FinWise Bancorp (FINW) has an efficiency ratio of 46.6%. This is excellent, indicating strong cost control.