FinWise Bancorp (FINW) Earnings History
Turnaround7 years of earnings data (2019–2025) · Recovering earnings after a multi-year decline
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FinWise Bancorp (FINW) Earnings Overview
As of June 24, 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 ($39M net income, 12.2% margin), BYFC (-$21M 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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FINW — Frequently Asked Questions
Quick answers to the most common questions about buying FINW stock.
What is FINW earnings per share (EPS)?
FINW trailing twelve-month (TTM) diluted EPS is $1.15, reflecting +21.5% year-over-year growth. The 5-year EPS CAGR is -1.4%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is FinWise Bancorp's net income?
FinWise Bancorp (FINW) trailing twelve-month net income is $16M as of 2025. Earnings grew +21.5% year-over-year. FinWise Bancorp has been profitable for 7 consecutive years.
Is FINW profitable?
Yes, FINW is profitable with a TTM net income of $16M and a net profit margin of +10.7%. FinWise Bancorp has generated profits for 7 consecutive years.
What is FINW's earnings growth rate?
FINW compound annual EPS growth rates (CAGR): 1-Year: +21.5%, 3-Year: -15.5%, 5-Year: -1.4%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are FINW's profit margins?
FinWise Bancorp net profit margin is +10.7%, operating margin is +14.4%, and gross margin is +61.0%. Margins are within a typical range for the sector. Return on Equity is +8.8%.
Is FINW growing earnings?
Yes, FINW earnings are accelerating — EPS growth of +21.5% exceeds the 5-year CAGR of -1.4%. TTM net income reached $16M. Earnings momentum is strengthening.
What was FINW's best earnings year?
FinWise Bancorp's highest annual net income on record is $32M, achieved in fiscal year 2021. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were FINW's earnings last quarter?
FINW's most recent reported quarter was Q1 2026. Net income was $3M with diluted EPS of $0.20. For a full breakdown of all quarters, see the quarterly earnings table on this page.