Finwise Bancorp
Finwise Bancorp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Cash Equivalents… | |||||||||||||||||
Cash And Due From Banks | 6 | 6 | 12 | 10 | 9 | 8 | 10 | 8 | 5 | 4 | 0 | 0 | |||||
Interest Bearing Deposits In Banks | 88 | 91 | 151 | 95 | 81 | 112 | 100 | 78 | 84 | 112 | 117 | 126 | |||||
Cash And Cash Equivalents At Carrying Value | 94 | 97 | 163 | 106 | 90 | 120 | 109 | 86 | 89 | 116 | 117 | 127 | |||||
Available For Sale Securities Debt Securities | 28 | 28 | 28 | 28 | 30 | 30 | 30 | 30 | - | - | 0 | - | |||||
Debt Securities Held To Maturity Amortized Cost Af… | 9 | 9 | 10 | 11 | 11 | 12 | 13 | 13 | 14 | 15 | 15 | 16 | |||||
Federal Home Loan Bank Stock | - | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 175 | 134 | 146 | 157 | 147 | 119 | 92 | 84 | 67 | 55 | 48 | 46 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 539 | 542 | 534 | 507 | 472 | 448 | 418 | 399 | 377 | 359 | 324 | |||||
Financing Receivable Accrued Interest After Allowa… | - | - | - | - | - | - | - | - | - | - | 4 | - | |||||
Property Plant And Equipment Excluding Lessor Asse… | - | - | 3 | 3 | 3 | 3 | 4 | - | - | - | - | - | |||||
Property Plant And Equipment Net | - | - | 3 | - | - | - | 4 | 17 | 16 | 15 | 15 | 14 | |||||
Property Subject To Or Available For Operating Lea… | 11 | 12 | 13 | 13 | 14 | 11 | 10 | - | - | - | - | - | |||||
Interest Receivable | - | - | 4 | 2 | 2 | 3 | 4 | 3 | 3 | 3 | 4 | 3 | |||||
Servicing Asset | - | - | - | - | - | - | - | - | - | 4 | 4 | 4 | |||||
Deferred Income Tax Assets Net | 3 | 2 | 2 | 1 | 0 | 0 | 0 | - | - | - | 0 | 0 | |||||
Other Assets | 60 | 55 | 25 | 17 | 15 | 15 | 14 | 13 | 13 | 11 | 14 | 11 | |||||
Assets | 925 | 899 | 977 | 900 | 842 | 804 | 746 | 683 | 618 | 611 | 586 | 555 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Servicing Asset At Amortized Value | - | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | |||||
Equity Method Investments Fair Value Disclosure | - | - | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 8 | 4 | 4 | |||||
Operating Lease Right Of Use Asset | - | - | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Income Tax Receivable | - | - | 4 | 3 | 4 | 3 | 9 | 3 | 2 | 2 | 2 | 1 | |||||
Liabilities | |||||||||||||||||
Deposits Interest Bearing… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 119 | 127 | 168 | 131 | 121 | 123 | 127 | 143 | 107 | 107 | 95 | 94 | |||||
Interest Bearing Deposit Liabilities | 575 | 548 | 586 | 552 | 514 | 482 | 418 | 346 | 322 | 317 | 309 | 292 | |||||
Deposits | 694 | 675 | 755 | 682 | 635 | 606 | 545 | 489 | 429 | 424 | 405 | 387 | |||||
Interest Payable Current And Noncurrent | - | - | 3 | 5 | 4 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Accrued Income Taxes | - | - | - | - | - | - | - | - | - | - | 2 | - | |||||
Taxes Payable Current And Noncurrent | - | - | 1 | 1 | 0 | 1 | 4 | 0 | 0 | 3 | 2 | 0 | |||||
Line Of Credit | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Deferred Income Tax Liabilities Net | - | - | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | |||||
Operating Lease Liability | - | - | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 7 | |||||
Other Liabilities | 32 | 28 | 22 | 20 | 17 | 12 | 15 | 17 | 15 | 14 | 17 | 10 | |||||
Liabilities | 726 | 703 | 784 | 712 | 661 | 627 | 572 | 513 | 452 | 448 | 431 | 405 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital Common Stock | 62 | 62 | 61 | 59 | 58 | 58 | 57 | 56 | 55 | 55 | 51 | 51 | |||||
Retained Earnings Accumulated Deficit | 137 | 135 | 132 | 128 | 124 | 120 | 117 | 114 | 110 | 107 | 104 | 100 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | 0 | - | |||||
Stockholders Equity | 199 | 197 | 193 | 188 | 182 | 177 | 174 | 170 | 166 | 162 | 155 | 150 | |||||
Liabilities And Stockholders Equity | 925 | 899 | 977 | 900 | 842 | 804 | 746 | 683 | 618 | 611 | 586 | 555 | |||||
Restricted Cash Current | 4 | 4 | 4 | 3 | 3 | 3 | 3 | - | - | - | 0 | - | |||||
Debt Securities Available For Sale Allowance For C… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - | |||||
Available For Sale Debt Securities Amortized Cost … | 28 | 28 | 28 | 28 | 30 | 30 | 30 | 30 | - | - | - | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Held To Maturity Securities Fair Value | 8 | 8 | 9 | 10 | 10 | 11 | 11 | 12 | 12 | 13 | 14 | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 38 | 37 | 26 | 16 | 14 | 13 | 13 | 13 | 13 | 13 | 13 | |||||
Property Subject To Or Available For Operating Lea… | 6 | 5 | 5 | 4 | 4 | -3 | 3 | - | - | - | - | - | |||||
Preferred Stock Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
Preferred Stock Shares Authorized | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
Common Stock Shares Authorized | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | |||||
Common Stock Shares Issued | 14 | 14 | 14 | 14 | 13 | 13 | 13 | 13 | 13 | 13 | 12 | 12 | |||||
Shares Outstanding | 14 | 14 | 14 | 14 | 13 | 13 | 13 | 13 | 13 | 13 | 12 | 12 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 12.94% | 12.17% | 5.62% | - | - | - | - | - | - | - | - | - |
| 2025 | -3.32% | 4.12% | 17.28% | 4.76% | -0.16% | 3.90% | -4.39% | -7.82% | -7.45% | 6.89% | -18.67% | -8.68% |
| 2024 | -4.35% | -1.23% | 18.15% | 10.89% | 36.38% | 42.39% | 0.56% | -10.37% | 4.16% | -15.54% | -13.88% | -17.66% |
| 2023 | - | - | - | -9.63% | -11.82% | -11.62% | 16.50% | 40.58% | 25.34% | 0.89% | 5.46% | 0.89% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.82 | -0.75 | -0.70 | -0.68 | -0.69 | -0.71 | -0.50 | -0.08 | 0.67 | 2.87 | 3.39 | 4.91 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.00 | 1.15 | 1.19 | 1.10 | 1.00 | 0.94 | 0.96 | 1.06 | 1.18 | 1.30 | 1.35 | 1.54 | |||||
| Free Cash Flow Per Share TTM | -2.74 | 0.97 | -2.24 | -1.41 | -2.74 | -3.61 | -1.87 | -0.94 | 0.64 | 0.18 | 0.38 | 1.63 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 82.17% | 80.01% | 78.05% | 77.38% | 77.45% | 78.66% | 79.23% | 77.29% | 78.65% | 80.21% | 82.54% | 88.43% | |||||
| Operating Profit Margin TTM | 15.20% | 19.65% | 23.53% | 24.47% | 23.73% | 22.48% | 22.85% | 26.16% | 29.44% | 33.58% | 36.90% | 45.19% | |||||
| Net Profit Margin TTM | 11.23% | 14.55% | 17.40% | 18.34% | 17.68% | 16.77% | 17.14% | 19.31% | 21.67% | 24.59% | 27.06% | 33.22% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 58.98% | 42.85% | 24.38% | 11.72% | 7.33% | 9.40% | 15.21% | 22.24% | 28.84% | 30.99% | 23.32% | - | |||||
| Net Income Growth (1Y) | 1.03% | 23.95% | 26.28% | 6.13% | -12.44% | -25.41% | -27.02% | -28.93% | -17.34% | -13.45% | -30.48% | - | |||||
| EPS Growth (1Y) | -1.52% | 21.06% | 24.16% | 4.47% | -13.49% | -26.66% | -27.74% | -30.45% | -17.50% | -12.02% | -29.14% | - | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 13.91 | 13.21 | 14.30 | 16.66 | 14.18 | 17.65 | 15.82 | 14.00 | 8.34 | 7.43 | 10.24 | 5.39 | |||||
| P/B TTM | 0.95 | 1.05 | 1.19 | 1.33 | 1.05 | 1.26 | 1.16 | 1.16 | 0.78 | 0.77 | 1.15 | 0.71 | |||||
| P/S TTM | 1.56 | 1.92 | 2.49 | 3.06 | 2.51 | 2.96 | 2.71 | 2.70 | 1.81 | 1.83 | 2.77 | 1.79 | |||||
| Market Cap | 190.13M | 206.49M | 230.13M | 249.34M | 191.85M | 222.66M | 201.55M | 197.47M | 128.93M | 125.65M | 178.71M | 107.03M | |||||
| Enterprise Value | 96.49M | 109.54M | 66.73M | 143.71M | 101.75M | 102.39M | 92.39M | 111.71M | 39.92M | 9.86M | 61.74M | -19.74M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | -35.97M | 12.69M | -28.73M | -18.17M | -35.00M | -45.87M | -23.58M | -11.88M | 8.09M | 2.24M | 4.81M | 20.17M | |||||
| Net Debt | -93.64M | -96.95M | -163.40M | -105.63M | -90.10M | -120.27M | -109.16M | -85.77M | -89.01M | -115.79M | -116.98M | -126.77M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Finwise Bancorp (FINW) — SEC Financial Statements & Analysis
Finwise Bancorp (FINW) is a state commercial banks company, incorporated in UT. Finwise Bancorp trades on Nasdaq as: FINW. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Finwise Bancorp reported a 58.98% year-over-year revenue growth, a Gross Profit Margin of 82.17% (TTM), a Price-to-Sales (P/S) ratio of 1.56x (TTM), a Price-to-Book (P/B) ratio of 0.95x (TTM), at a market cap of $190.13M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 58.98%
- Gross Profit Margin TTM
- 82.17%
- P/S TTM
- 1.56x
- P/B TTM
- 0.95x
- Market Cap
- $190.13M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Finwise Bancorp in?
Finwise Bancorp (FINW) operates in the State Commercial Banks industry.
What is FINW's market cap?
Finwise Bancorp (FINW) has a market capitalization of $190.13M as of 2026-06-30.
What is FINW's P/E ratio?
Finwise Bancorp (FINW)'s trailing twelve month P/E ratio is 13.91x as of 2026-06-30.
What exchange does FINW trade on?
Finwise Bancorp (FINW) trades on the Nasdaq.
Where is Finwise Bancorp incorporated?
Finwise Bancorp is incorporated in UT.