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 Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
FinWise Bancorp Income Statement
FINW • NASDAQ
| FinWise Bancorp Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
REVENUE | |||||||
151M | 97.5M | 86.6M | 90.2M | 81.1M | 43.8M | 35.3M | |
GROSS PROFIT | |||||||
(58.9M) | (27M) | (21.6M) | (15M) | (9.3M) | (7M) | (6.8M) | |
92.1M | 70.4M | 65M | 75.3M | 71.8M | 36.8M | 28.5M | |
OPERATING INCOME | |||||||
(70.3M) | (53.5M) | (41.2M) | (39.2M) | (29.5M) | (21.7M) | (15.7M) | |
(44.2M) | (35.2M) | (25.8M) | (24.5M) | (21.7M) | (16.8M) | (11.9M) | |
21.8M | 17M | 23.8M | 36M | 42.3M | 15.1M | 12.8M | |
PRE-TAX INCOME | |||||||
(20.3M) | (15.4M) | (10M) | (1.4M) | (1.3M) | (1.8M) | (1.5M) | |
72.2M | 58.9M | 54.6M | 50.9M | 48M | 27.8M | 19.9M | |
(26.2M) | (18.3M) | (15.4M) | (14.7M) | (7.8M) | (4.9M) | (3.8M) | |
21.8M | 17M | 23.8M | 36M | 42.3M | 15.1M | 12.8M | |
NET INCOME | |||||||
(5.7M) | (4.2M) | (6.4M) | (10.9M) | (10.7M) | (3.9M) | (3.2M) | |
16.1M | 12.7M | 17.5M | 25.1M | 31.6M | 11.2M | 9.7M |
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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Research Paths
Snapshot
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Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
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Dividends
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Analyst Expectations
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