Finwise Bancorp
FINW Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$10.50
KIRA · Stoqly’s AI analyst, in plain words
- Finwise Bancorp had $131M of revenue in fiscal 2025, up 60.5% on the year before.
- Finwise Bancorp made $16.1M of net profit in fiscal 2025. From fiscal 2021 to 2025, diluted EPS grew −23.3% a year.
- Finwise Bancorp returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 2.5%.
- It earned 8.8% on shareholders’ money. Running costs took 53.8% of revenue (the efficiency ratio; lower is better).
Market cap
$144M
P/E
10.9x
Revenue
$131M
Net income
$16.1M
Return on equity
8.8%
Efficiency ratio
53.8%
Finwise Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+60.5%
Yes. Sales grew 60.5% last year.
Does it make a profit?
12.3%
Yes. It keeps 12.3% of every sale as profit.
How lean are its costs?
53.8%
Lean. Running costs take 53.8% of revenue.
How much does it earn on its capital?
8.8%
Fair. It earns 8.8% a year on shareholders’ money.
How is the share priced?
10.9x
One share costs 10.9 times its yearly profit per share.
What Finwise Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 23, 2026
- Legal name
- Finwise Bancorp
- CIK
- 0001856365
Finwise Bancorp · FINW
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $79.8M | $88.3M | $76.0M | $81.4M | $131M |
| Revenue growth | — | 10.6% | −13.9% | 7.1% | 60.5% |
| Net interest income | $48.0M | $50.9M | $54.6M | $58.9M | $72.2M |
| Net income | $31.6M | $25.1M | $17.5M | $12.7M | $16.1M |
| Net margin | 39.6% | 28.4% | 23.0% | 15.7% | 12.3% |
| Diluted EPS | $3.27 | $1.87 | $1.33 | $0.93 | $1.13 |
| Cash | |||||
| Cash from operations | −$9.2M | $61.2M | $12.3M | −$15.0M | −$28.4M |
| Capital expenditure | $2.3M | $7.2M | $7.5M | $1.1M | $0.2M |
| Free cash flow | −$11.6M | $53.9M | $4.8M | −$16.1M | −$28.6M |
| FCF margin | −14.5% | 61.1% | 6.3% | −19.7% | −21.9% |
| Share buybacks | $0.0M | $1.1M | $4.7M | $0.5M | $0.0M |
| Share count change | — | 46.6% | −3.3% | 2.5% | 2.5% |
| Debt and strength | |||||
| Cash and short-term investments | $85.8M | $101M | $117M | $109M | $163M |
| Loans, net | $205M | $237M | $359M | $448M | $542M |
| Deposits | $252M | $243M | $405M | $545M | $755M |
| Shareholders' equity | $115M | $140M | $155M | $174M | $193M |
| Returns and quality | |||||
| Return on equity | 27.4% | 19.6% | 11.8% | 7.8% | 8.8% |
| Return on tangible equity | 25.8% | 17.7% | 11.1% | 7.1% | 8.0% |
| Efficiency ratio | 37.0% | 43.9% | 53.4% | 64.9% | 53.8% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Finwise Bancorp · FINW
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $10.50 a share, the company is worth $144M: 10.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001856365). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.