About FinWise Bancorp
https://www.finwisebancorp.comFinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits.
CEO
Kent R. Landvatter
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 52
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
ALLIANCEBERNSTEIN L.P.
Shares:771.7K
Value:$13.85M
WASATCH ADVISORS LP
Shares:754.54K
Value:$13.54M
VANGUARD GROUP INC
Shares:487.32K
Value:$8.75M
Summary
Showing Top 3 of 57
About FinWise Bancorp
https://www.finwisebancorp.comFinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $41.77M ▲ | $17.2M ▲ | $4.89M ▲ | 11.71% ▼ | $0.38 ▲ | $7.56M ▲ |
| Q2-2025 | $30.08M ▲ | $14.91M ▲ | $4.1M ▲ | 13.62% ▲ | $0.31 ▲ | $6.55M ▲ |
| Q1-2025 | $26.35M ▲ | $14.32M ▲ | $3.19M ▲ | 12.1% ▲ | $0.24 ▲ | $5.81M ▲ |
| Q4-2024 | $25.59M ▲ | $14.19M ▲ | $2.79M ▼ | 10.91% ▼ | $0.21 ▼ | $4.83M ▼ |
| Q3-2024 | $24.98M | $14.05M | $3.45M | 13.83% | $0.26 | $6.12M |
What's going well?
Revenue surged 39% and net income is up 18%, showing the company can grow quickly. Operating expenses are rising slower than sales, which is a good sign for future efficiency.
What's concerning?
Gross margins fell sharply, meaning costs are rising faster than profits. Dilution is creeping up, and if margins keep shrinking, earnings growth could stall.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $105.63M ▲ | $899.93M ▲ | $712.16M ▲ | $187.76M ▲ |
| Q2-2025 | $90.1M ▼ | $842.49M ▲ | $660.53M ▲ | $181.96M ▲ |
| Q1-2025 | $150.41M ▲ | $804.13M ▲ | $626.77M ▲ | $177.36M ▲ |
| Q4-2024 | $106.06M ▼ | $745.98M ▲ | $572.26M ▲ | $173.72M ▲ |
| Q3-2024 | $116.24M | $683.03M | $512.66M | $170.37M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $3.45M ▲ | $-34.8M ▲ | $46.87M ▲ | $15.53M ▲ | $5.09M ▲ |
| Q2-2025 | $4.1M ▲ | $-18.35M ▲ | $-41M ▼ | $29.17M ▼ | $-30.17M ▼ | $-23.06M ▲ |
| Q1-2025 | $3.19M ▲ | $-21.61M ▼ | $-28.11M ▲ | $60.83M ▲ | $11.11M ▼ | $-23.25M ▼ |
| Q4-2024 | $2.79M ▼ | $657K ▲ | $-33.52M ▲ | $56.25M ▼ | $23.39M ▲ | $592K ▲ |
| Q3-2024 | $3.45M | $-9.82M | $-52.88M | $59.45M | $-3.24M | $-12.04M |
Revenue by Products
| Product | Q1-2022 | Q2-2022 | Q3-2022 | Q4-2022 |
|---|---|---|---|---|
 Change in Fair Value on Investment | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Gain Loss on Sales of Loans Net | $10.00M ▲ | $0 ▼ | $0 ▲ | $0 ▲ |
 Other Miscellaneous Income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Small Business Administration Loan Servicing Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Strategic Program Fees | $10.00M ▲ | $10.00M ▲ | $10.00M ▲ | $0 ▼ |
 Strategic Program Service Charges | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Kent R. Landvatter
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 52
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
ALLIANCEBERNSTEIN L.P.
Shares:771.7K
Value:$13.85M
WASATCH ADVISORS LP
Shares:754.54K
Value:$13.54M
VANGUARD GROUP INC
Shares:487.32K
Value:$8.75M
Summary
Showing Top 3 of 57