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Financials · FINW

FinWise Bancorp (FINW) financials

For the twelve months ended Jun 30, 2026, FinWise Bancorp reported $180.57M of revenue and $13.67M of net income.

Revenue, TTM
$180.57M
Revenue growth, YoY
+102.7%
Net income, TTM
$13.67M
Net income growth, YoY
+1.0%
Net margin
7.6%
Free cash flow, TTM
$5.49M
EPS, diluted, TTM
$0.96
EPS growth, YoY
+0.0%
Cash
$93.64M
P/E
14.64
P/S
1.11
Market cap
$200.2M
Annual revenue$130.67M
FY2021FY2025
Annual net income$16.09M
FY2021FY2025
Annual free cash flow-$28.64M
FY2021FY2025

FINW revenue and earnings growth

FINW revenueQ2 2026$54.34M

Quarter YoY
+116.8%
QoQ
+27.2%
FY YoY
+60.5%

FINW revenue was $54.34M in fiscal Q2 2026 (ended Jun 30, 2026), up 116.8% from a year earlier and up 27.2% from the prior quarter. For the full fiscal 2025 it was $130.67M, up 60.5% from fiscal 2024. It rose in 3 of the last 4 fiscal years. Fiscal 2025 is the highest of the 5 fiscal years on file.

FINW net incomeQ2 2026$2.13M

Quarter YoY
-48.0%
QoQ
-22.0%
FY YoY
+26.3%

FINW net income was $2.13M in fiscal Q2 2026 (ended Jun 30, 2026), down 48.0% from a year earlier and down 22.0% from the prior quarter. For the full fiscal 2025 it was $16.09M, up 26.3% from fiscal 2024. It rose in 1 of the last 4 fiscal years.

FINW EPSQ2 2026$0.15

Quarter YoY
-48.3%
QoQ
-25.0%
FY YoY
+21.5%

FINW diluted EPS was $0.15 in fiscal Q2 2026 (ended Jun 30, 2026), down 48.3% from a year earlier and down 25.0% from the prior quarter. For the full fiscal 2025 it was $1.13, up 21.5% from fiscal 2024.

FINW free cash flowQ2 2026-$25.71M

FINW free cash flow was -$25.71M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$18.42M a year earlier. For the full fiscal 2025 it was -$28.64M, compared with -$16.07M in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Revenue$130.67M$81.40M$76.02M$88.31M$79.82M
Interest expense--$9.97M$1.43M$1.26M
Pre-tax income$21.76M$16.99M$23.81M$36.03M$42.27M
Income tax$5.67M$4.25M$6.35M$10.92M$10.69M
Net income$16.09M$12.74M$17.46M$25.11M$31.58M
EPS, basic$1.20$0.98$1.38$1.96$3.44
EPS, diluted$1.13$0.93$1.33$1.87$3.27
Diluted shares13.6M13.2M12.9M13.4M9.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Cash and equivalents$163.40M$109.16M$116.97M$100.57M$85.75M
Total assets$977.13M$745.98M$586.22M$400.78M$380.21M
Total liabilities$783.94M$572.26M$431.17M$260.32M$264.77M
Shareholders' equity$193.19M$173.72M$155.06M$140.46M$115.44M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Operating cash flow-$28.42M-$14.99M$12.27M$61.15M-$9.23M
Capital expenditures$219.0K$1.08M$7.46M$7.21M$2.33M
Free cash flow-$28.64M-$16.07M$4.81M$53.94M-$11.57M
Investing cash flow-$126.91M-$132.38M-$152.87M-$35.83M$24.26M
Financing cash flow$209.57M$139.56M$157.01M-$10.51M$23.35M
Share repurchases$0$461.0K$4.74M$1.14M$0
Stock-based compensation$3.58M$2.05M$2.05M$778.0K$2.10M
Depreciation and amortization$900.0K$1.10M$2.30M$2.11M$1.04M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Revenue growth, YoY60.5%7.1%-13.9%10.6%-
Net income growth, YoY26.3%-27.0%-30.5%-20.5%-
EPS growth, YoY21.5%-30.1%-28.9%--
Net margin12.3%15.7%23.0%28.4%39.6%
Free cash flow margin-21.9%-19.7%6.3%61.1%-14.5%
Return on equity8.3%7.3%11.3%17.9%27.4%
Return on assets1.6%1.7%3.0%6.3%8.3%

Source: XBRL data FinWise Bancorp files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FINW peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FINW$180.57M+102.7%$13.67M7.6%$200.2M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

FINW FAQ

8 questions
  • What is FINW revenue?
    FinWise Bancorp (FINW) reported $180.57M of revenue for the twelve months ended Jun 30, 2026. That is up 102.7% from the year before. Revenue for fiscal 2025 was $130.67M.
  • Is FINW profitable?
    Yes. FinWise Bancorp earned $13.67M in net income for the twelve months ended Jun 30, 2026, a net margin of 7.6%.
  • How much cash and debt does FINW have?
    FinWise Bancorp reported $93.64M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is FINW revenue growing?
    FinWise Bancorp's revenue changed +60.5% in fiscal 2025, to $130.67M.
  • What is FINW free cash flow?
    FinWise Bancorp generated $5.49M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $5.53M less capital expenditures.
  • What is FINW earnings per share?
    Diluted earnings per share were $0.96 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FINW last report financial results?
    The latest statements here come from FinWise Bancorp's 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this FINW financial data come from?
    Quantisnow builds these statements from the structured XBRL data FinWise Bancorp files with the SEC. It is provided for information only and is not investment advice.