FINW - NASDAQ
FinWise Bancorp
$14.12
-1.5%FinWise 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.
At a Glance
Live SnapshotFinWise Bancorp Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.
FinWise Bancorp Cash Flow Statement
FINW • NASDAQ
| FinWise Bancorp Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||
16.1M | 12.7M | 17.5M | 25.1M | 31.6M | 11.2M | 9.7M | |
0.0 | 5.3M | 3.8M | 2.1M | 1M | 1M | 460K | |
0.0 | 90K | 1.9M | 656K | -1.4M | -312K | 11K | |
0.0 | 2M | 2M | 778K | 2.1M | 1.8M | 1.8M | |
-40.7M | -34.3M | -13.1M | 35.3M | -46.7M | 4.6M | -17.8M | |
(7.1M) | (8.1M) | (6.6M) | (9.4M) | (10.5M) | (3.3M) | (3.2M) | |
-3.8M | -816K | 182K | -2.8M | 4.1M | 1.3M | -2M | |
-28.4M | -15M | 12.3M | 61.2M | -9.2M | 19.6M | -7.9M | |
INVESTING ACTIVITIES | |||||||
(0.0) | -4.9M | -7.5M | -7.2M | -2.3M | -592K | -540K | |
(0.0) | -30M | -3M | -5M | -10.4M | -1.7M | (0.0) | |
0.0 | 2.8M | 1.8M | 2M | 678K | 375K | 125K | |
-126.9M | -100.3M | -144.3M | -25.5M | 36.3M | -128.3M | -28.9M | |
-126.9M | -132.4M | -152.9M | -35.8M | (24.3M) | -130.2M | -29.3M | |
FINANCING ACTIVITIES | |||||||
481K | -461K | -4.7M | -1.1M | 35.6M | -41K | -89K | |
0.0 | -126K | -125K | -736K | -100M | 101M | 0.0 | |
(0.0) | -461K | -4.7M | -1.1M | (0.0) | -41K | -89K | |
209.1M | 140.1M | 161.9M | -8.6M | 87.7M | 22.3M | 46M | |
209.6M | 139.6M | 157M | -10.5M | 23.3M | 123.2M | 46M | |
CASH FLOW SUMMARY | |||||||
54.2M | -7.8M | 16.4M | 14.8M | 38.4M | 12.6M | 8.8M | |
109.2M | 117M | 100.6M | 85.8M | 47.4M | 34.8M | 26M | |
163.4M | 109.2M | 117M | 100.6M | 85.8M | 47.4M | 34.8M | |
-5.7B | -19.9M | 4.8M | 53.9M | -11.6M | 19M | -8.4M |
SEC Filings
FINW - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 08, 2026 | April 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 26, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 23, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
S-3 S-3 N/A | November 18, 2025 | November 18, 2025 | ||
10-Q 10-Q 2025 Q3 Q3 | November 10, 2025 | September 30, 2025 | 2025 |
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Statements
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Dividends
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