Finwise Bancorp (FINW) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Finwise Bancorp reported revenue of $130.7M, up 60.5% from $81.4M the year before. Net income was $16.1M (a 12.3% net margin), or $1.13 per diluted share. Net interest income was $72.2M, and the efficiency ratio (noninterest expense / revenue) was 53.8%. Operating activities generated -$28.4M of cash, leaving -$28.6M of free cash flow. At fiscal year end, Finwise Bancorp held $977.1M in total assets against $783.9M in total liabilities, including $163.4M of cash and equivalents.
Open the full interactive Finwise Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Finwise Bancorp Key Stats
| Share Price | $10.90 |
|---|---|
| Market Cap | $149.0M |
| P/E Ratio | 9.6 |
| Revenue YoY Growth | +60.5% |
| 52-Week Range | $10.82 – $19.35 |
| Shares Outstanding | 13.1 million (basic, 2026 Q2) |
Finwise Bancorp Income Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Net Interest Income | $50.9M | $54.6M | $58.9M | $72.2M |
| Provision for Credit Losses | $13.5M | $11.6M | $11.6M | $38.6M |
| Noninterest Income | $37.4M | $21.1M | $22.5M | $58.5M |
| Noninterest Expense | $38.8M | $40.2M | $52.8M | $70.3M |
| Revenue | $88.3M | $75.6M | $81.4M | $130.7M |
| Pre-Tax Income | $36.0M | $23.8M | $17.0M | $21.8M |
| Income Tax | $10.9M | $6.4M | $4.2M | $5.7M |
| Net Income | $25.1M | $17.5M | $12.7M | $16.1M |
| Diluted EPS | $1.87 | $1.33 | $0.93 | $1.13 |
Finwise Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $36.7M | $46.9M | $42.7M | $54.3M |
| Net Income | $4.9M | $3.9M | $2.7M | $2.1M |
| Diluted EPS | $0.34 | $0.29 | $0.20 | $0.15 |
Finwise Bancorp Balance Sheet
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Cash & Equivalents | $100.6M | $117.0M | $109.2M | $163.4M |
| Loans (Net) | $236.6M | $358.6M | $447.8M | $541.6M |
| Total Assets | $400.8M | $586.2M | $746.0M | $977.1M |
| Deposits | $243.0M | $404.8M | $545.0M | $754.6M |
| Total Long-Term Debt | $314,000 | $190,000 | $64,000 | — |
| Total Liabilities | $260.3M | $431.2M | $572.3M | $783.9M |
| Shareholders' Equity | $140.5M | $155.1M | $173.7M | $193.2M |
Finwise Bancorp Cash Flow Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Cash From Operations | $61.2M | $12.3M | -$15.0M | -$28.4M |
| Cash From Investing | -$35.8M | -$152.9M | -$132.4M | -$126.9M |
| Cash From Financing | -$10.5M | $157.0M | $139.6M | $209.6M |
| Free Cash Flow | $53.9M | $4.8M | -$19.9M | -$28.6M |
Figures from Finwise Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Finwise Bancorp financials page for every line item.
Finwise Bancorp Company Profile
| Ticker | FINW |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Murray, Utah |
| Incorporated in | Utah |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001856365 |
Frequently Asked Questions
What was Finwise Bancorp's revenue in fiscal 2025?
Finwise Bancorp (FINW) reported revenue of $130.7M for fiscal 2025.
What is Finwise Bancorp's annual revenue history?
Finwise Bancorp's annual revenue by fiscal year: 2022: $88.3M; 2023: $75.6M; 2024: $81.4M; 2025: $130.7M.
What was Finwise Bancorp's net income in fiscal 2025?
Finwise Bancorp reported net income of $16.1M for fiscal 2025.
What was Finwise Bancorp's earnings per share (EPS) in fiscal 2025?
Finwise Bancorp's diluted EPS was $1.13 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Finwise Bancorp generate in fiscal 2025?
Finwise Bancorp generated -$28.6M of free cash flow in fiscal 2025.
What was Finwise Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Finwise Bancorp reported revenue of $54.3M.
How many shares of Finwise Bancorp are outstanding?
Finwise Bancorp reported a weighted average of 13.1 million basic shares outstanding in 2026 Q2.
What is Finwise Bancorp's market cap?
Based on its latest closing price, Finwise Bancorp (FINW) has a market capitalization of about $149.0M.
When does Finwise Bancorp's fiscal year end?
Finwise Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Finwise Bancorp headquartered?
Finwise Bancorp lists its business address in Murray, Utah in its SEC filings.