FinWise Bancorp (FINW) Earnings History
Annual and quarterly earnings data from 2019 to 2025
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FINW EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FINW Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 61.0% | 14.4% | 10.7% |
| 2024 | 72.3% | 17.4% | 13.1% |
| 2023 | 75.0% | 27.5% | 20.2% |
| 2022 | 83.4% | 39.9% | 27.8% |
| 2021 | 88.5% | 52.1% | 38.9% |
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FinWise Bancorp (FINW) Earnings Overview
As of May 8, 2026, FinWise Bancorp (FINW) reported trailing twelve-month net income of $16M, reflecting +21.5% year-over-year growth. The company earned $1.15 per diluted share over the past four quarters, with a net profit margin of 10.7%.
Looking at the long-term picture, FINW's 5-year EPS compound annual growth rate (CAGR) stands at -1.4%, signaling declining earnings. The company achieved its highest annual net income of $32M in fiscal 2021.
FinWise Bancorp maintains positive profitability with a gross margin of 61.0%, operating margin of 14.4%, and net margin of 10.7%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including MFIN ($47M net income, 12.2% margin), BYFC (-$25M net income, -39.3% margin), CARV (-$13M net income, -36.8% margin), FINW has room to improve margins relative to the peer group. Compare FINW vs MFIN →
FINW Earnings vs Peers
Earnings metrics vs comparable public companies
FINW Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $16M | +26.3% | $22M | $1.13 | 10.7% | 14.4% |
| 2024 | $13M | -27.0% | $17M | $0.93 | 13.1% | 17.4% |
| 2023 | $17M | -30.5% | $24M | $1.33 | 20.2% | 27.5% |
| 2022 | $25M | -20.5% | $36M | $1.87 | 27.8% | 39.9% |
| 2021 | $32M | +182.0% | $42M | $3.27 | 38.9% | 52.1% |
| 2020 | $11M | +15.9% | $15M | $1.21 | 25.5% | 34.5% |
| 2019 | $10M | - | $13M | $0.79 | 27.4% | 36.4% |
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Start ComparisonFINW — Frequently Asked Questions
Quick answers to the most common questions about buying FINW stock.
Is FINW growing earnings?
FINW EPS is $1.15, with earnings growth accelerating to +21.5%. This exceeds the 5-year CAGR of -1.4%. TTM net income reached $16M.
What are FINW's profit margins?
FinWise Bancorp net margin is +10.7%, with operating margin at +14.4%. Margins sit within typical range for the sector.
How consistent are FINW's earnings?
FINW earnings data spans 2019-2025. The accelerating earnings trend is +21.5% YoY. Historical data enables comparison across business cycles.