FinWise Bancorp

FinWise Bancorp

FINW
FinWise BancorpUS flagNASDAQ Global Market
13.42
USD
-0.23
- -
183.93MMarket Cap
FinWise Bancorp
FINW
(NASDAQ Global Market)

Recent

price

13.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

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

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
- -
- -
- -
- -
- -
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