FinWise Bancorp

FinWise Bancorp

FINW
FinWise BancorpUS flagNASDAQ Global Market
13.42
USD
-0.23
- -
183.93MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.76
5.14
9.21
6.97
6.13
6.5
10.08
11.62
Basic EPS, GAAP
0.79
1.37
3.64
1.97
1.4
1.01
1.25
1.21
Free Cash Flow per Basic Share
-0.69
2.32
-1.33
4.24
0.38
-1.58
-2.67
0.68
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
1.46
3.55
6.99
6.74
8.32
9.25
10.31
10.45
Tangible Book Value per Share
2.7
5.61
13.32
11.03
12.42
13.77
15.06
15.24
Basic Weighted Avg Shares
12
8
9
13
12
13
13
13
Sales/Revenue/Turnover
34
42
80
89
77
82
129
150
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
1
1
2
4
5
5
5
Net Income, GAAP
10
11
32
25
17
13
16
16
Effective Tax Rate (%)
24.75
26.04
25.29
30.3
26.68
25
26.05
25.97
Profit Margin (%)
28.57
26.62
39.57
28.29
22.79
15.53
12.44
10.43
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
101
1
7
6
5
4
- -
Total Equity
33
46
115
140
155
174
193
197
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
47.81
70.48
34.3
18.41
11.56
12.93
12.28

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
5
4
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
247
230
205

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
106
163
97
Accounts Receivable, Net
2
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5
3
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
41.39%
11.21%
Free Cash Flow
- -
-252.02%
71.94%
Net Income, GAAP
- -
26.07%
26.28%
Sales/Revenue/Turnover
- -
30.4%
57.72%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
20
20
21
22
82
2025
22
25
37
46
129
2026
43
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.25
0.27
0.22
1.01
2025
0.25
0.32
0.38
0.3
1.25
2026
0.21
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
James F. Noone
Full Time Employees
198
Sector
Financial Services
Industry
Banks - Regional
Address
756 East Winchester Street Murray UT United States of America 84107
IPO Date
Nov 19, 2021
Business
FinWise Bancorp FinWise Bancorp (NASDAQ: FINW) operates as the bank holding company for FinWise Bank, a Utah-chartered industrial bank headquartered in Murray, Utah, and founded in 1999 as a full-service community bank serving individual and corporate customers nationwide; the company specializes in banking and payments solutions for fintech brands through scalable API-driven infrastructure, emphasizing compliance oversight and risk management. FinWise Bank offers a broad suite of deposit products including interest- and noninterest-bearing demand accounts, health savings accounts, NOW and money market accounts, checking and savings accounts, time deposits, and certificates of deposit; core lending portfolio encompasses Small Business Administration (SBA) 7(a) loans, strategic program lending for consumer and commercial constructs via third-party platforms, commercial real estate, owner-occupied residential real estate, equipment financing, and commercial leasing; additional services include BIN sponsorship and card programs featuring credit, debit, and prepaid cards (commercial/consumer, virtual/plastic) with ATM sponsorship, the MoneyRails payments hub supporting ACH, wire, RTP, FedNow, Mastercard RPPS, and Visa Direct rails with ledgering technology and third-party integrations, debit cards, remote deposit capture, online and mobile banking, direct deposit, business checking/savings, cash management, and treasury services. In recent developments, FinWise Bancorp announced in October 2025 a strategic partnership with Tallied Technologies to launch two Mastercard co-branded credit card programs in November 2025—a Consumer Rewards World Elite Mastercard and a Business Rewards World Elite Mastercard—where FinWise serves as issuing bank with credit-enhanced balance sheet support while Tallied manages processing, servicing, and marketing; earlier in April 2025, the company partnered with Backd Business Funding to introduce a new lending program for small and medium-sized businesses leveraging strategic lending and credit-enhanced balance sheet capabilities; these alliances expand FinWise's card sponsorship and payments offerings, diversifying revenue through interest and fee income amid total assets reaching $899.9 million as of September 30, 2025.

Company News

APIChatGPT
  • FinWise Owns Full Card Tech Stack After Acquiring Tallied Platform

  • FinWise Bancorp Acquires Tallied Technology Platform, Bringing End-to-End Credit Card Issuing and Processing In-House

  • FinWise Bancorp to Host Second Quarter 2026 Earnings Conference Call and Webcast on Wednesday, July 29, 2026

  • FinWise Bancorp Announces Share Repurchase Program

  • FinWise Bancorp (FINW) Q1 2026 Earnings Call Transcript

  • Compared to Estimates, FinWise Bancorp (FINW) Q1 Earnings: A Look at Key Metrics

  • FinWise Bancorp (FINW) Lags Q1 Earnings and Revenue Estimates

  • Finwise Bancorp Reports First Quarter 2026 Results

  • First Bank (FRBA) Q1 Earnings and Revenues Miss Estimates

  • FinWise Bancorp Announces BIN Sponsorship Agreement with Vera, Inc. to Launch Unsecured Consumer Credit Card Program for Prime and Near‑Prime U.S Consumers

  • FinWise Bancorp Announces Leadership Transition Appointing Jim Noone as Chief Executive Officer of the Holding Company

  • FinWise Bancorp to Host First Quarter 2026 Earnings Conference Call and Webcast on Thursday, April 30, 2026

  • Contrasting FinWise Bancorp (NASDAQ:FINW) and First Foundation (NYSE:FFWM)

  • FinWise Bancorp Announces Agreement with Albert Corporation to Offer Millions of Americans Transparent, Affordable and Convenient Short-term Personal Loans

  • Critical Contrast: Prosperity Bancshares (NYSE:PB) versus FinWise Bancorp (NASDAQ:FINW)

  • Wall Street Analysts See a 29.47% Upside in FinWise Bancorp (FINW): Can the Stock Really Move This High?

  • New Strong Buy Stocks for February 2nd

  • FinWise Bancorp Q4 Earnings Call Highlights

  • FinWise Bancorp (FINW) Q4 2025 Earnings Call Transcript

  • FinWise Bancorp (FINW) Q4 Earnings Lag Estimates