FinWise Bancorp (NASDAQ:FINW) Issues Earnings Results

FinWise Bancorp (NASDAQ:FINW) issued its quarterly earnings data on Thursday. The company reported $0.27 earnings per share for the quarter, missing the consensus estimate of $0.35 by ($0.08), FiscalAI reports. FinWise Bancorp had a return on equity of 8.31% and a net margin of 12.13%.The firm had revenue of $26.36 million for the quarter, compared to the consensus estimate of $42.32 million.

Here are the key takeaways from FinWise Bancorp’s conference call:

• FinWise reported a strong 2025 with net income up 26%, Q4 net income of $3.9M (EPS $0.27), and robust originations of $1.6B in Q4 and $6.1B for FY2025.
• The credit-enhanced product outperformed expectations—ending Q4 at $118M—and materially boosted net interest income and reported NIM, with management noting the credit-enhancement income offsets related provisions dollar-for-dollar.
• Credit quality prompted higher losses and reserves in Q4—net charge-offs rose to $6.7M (up from $3.1M) and provision for loan losses increased to $17.7M—partly due to tightened servicing standards that drove accelerated charge-offs and a $1.1M after-tax hit to earnings.
• BIN/payments (MoneyRails) is ramping more slowly than expected but remains a strategic growth area with growing client use cases; management says pipeline and cross-sell opportunities are healthy but timing is lumpy.

FinWise Bancorp Trading Up 1.2%

Shares of NASDAQ FINW opened at $18.45 on Friday. FinWise Bancorp has a 1 year low of $13.48 and a 1 year high of $22.49. The firm has a market capitalization of $250.74 million, a PE ratio of 17.41 and a beta of 0.82. The firm’s 50-day moving average is $17.95 and its 200-day moving average is $18.35.

Insider Activity at FinWise Bancorp

In other FinWise Bancorp news, insider Robert Keil sold 1,500 shares of the stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $19.48, for a total value of $29,220.00. Following the transaction, the insider owned 56,428 shares of the company’s stock, valued at approximately $1,099,217.44. This represents a 2.59% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which can be accessed through the SEC website. 21.30% of the stock is currently owned by company insiders.

Institutional Inflows and Outflows

A number of institutional investors have recently bought and sold shares of FINW. BNP Paribas Financial Markets grew its stake in FinWise Bancorp by 76.9% in the third quarter. BNP Paribas Financial Markets now owns 2,890 shares of the company’s stock valued at $56,000 after acquiring an additional 1,256 shares during the period. Empowered Funds LLC lifted its position in shares of FinWise Bancorp by 7.1% in the first quarter. Empowered Funds LLC now owns 24,052 shares of the company’s stock worth $421,000 after purchasing an additional 1,591 shares in the last quarter. Vanguard Group Inc. lifted its position in FinWise Bancorp by 0.4% during the 3rd quarter. Vanguard Group Inc. now owns 487,323 shares of the company’s stock worth $9,449,000 after buying an additional 1,739 shares in the last quarter. Bridgeway Capital Management LLC raised its holdings in FinWise Bancorp by 2.7% during the second quarter. Bridgeway Capital Management LLC now owns 92,706 shares of the company’s stock worth $1,392,000 after acquiring an additional 2,454 shares in the last quarter. Finally, Bank of America Corp DE raised its stake in shares of FinWise Bancorp by 3,887.7% during the 2nd quarter. Bank of America Corp DE now owns 2,911 shares of the company’s stock worth $44,000 after purchasing an additional 2,838 shares in the last quarter. Institutional investors and hedge funds own 35.41% of the company’s stock.

Analyst Ratings Changes

A number of research firms have commented on FINW. Hovde Group boosted their price objective on FinWise Bancorp from $20.00 to $22.00 and gave the stock an “outperform” rating in a research note on Monday, October 20th. Weiss Ratings reaffirmed a “hold (c)” rating on shares of FinWise Bancorp in a report on Monday, December 29th. Three investment analysts have rated the stock with a Buy rating and one has given a Hold rating to the stock. Based on data from MarketBeat.com, FinWise Bancorp currently has an average rating of “Moderate Buy” and a consensus target price of $22.00.

About FinWise Bancorp

FinWise Bancorp is the bank holding company for FinWise Bank, a digital?first community bank headquartered in Lindon, Utah. The company specializes in providing commercial lending and deposit products to marketplace lending platforms, fintech companies and small to mid?sized businesses across the United States. FinWise Bancorp operates through its wholly owned subsidiary, FinWise Bank, which is FDIC?insured and leverages a technology?driven model to deliver banking services efficiently.

The company’s primary business activities include participant financing arrangements for marketplace lenders and other fintech platforms, as well as direct commercial loans.