Saturday 17 October 2026 Export FINW’s income statement to Excel — free account

FinWise Bancorp

FinWise Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $151.0 million, up 55.9% from fiscal 2024. In the quarter to June 2026, revenue grew 98.1%, EPS fell 48.4% and free cash flow fell 43.9%, each against the same quarter a year earlier.

10.73 0.02 −0.19%

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Market cap: $149.2M
P/E: 10.5×
Fwd P/E: 13.1×
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.03

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 29.46%

Capital & Financial Ratios $m

Market Cap 149.24

Revenue 202.28

Net Income 13.67

Free Cash Flow 5.16

Net Debt (93.64)

Current Ratio 0.88

Debt/Equity 0.00

P/E ratio 10.52

Fwd P/E 13.10

P/S ratio 0.70

P/B ratio 0.71

Past 5Y EPS Growth (4.02%)

This Y EPS Growth (36.28%)

Next Y EPS Growth 40.74%

Next Y revenue growth 22.08%

Next 5Y EPS Growth (3.04%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.65%

10-year low 10-year high

P/S against its own 10 years 0.08%

10-year low 10-year high

P/B against its own 10 years 2.44%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	117	109	163	94
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	482	569	712	608

	2023	2024	2025	Q'26
Payables	405	545	755	694
ST’ Debt	—	—	—	—
Other	—	—	—	—
	405	546	757	694

Compound Annual Growth %

	10y	5y	3y
Sales	—	28.03%	18.93%
Cash Flow	—	0.00%	0.00%
Earnings	—	8.23%	(15.07%)
Book Value	—	33.32%	11.21%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	48	60	—	—	—
’25	26	30	42	53	151
’24	23	24	25	25	97
’23	18	21	22	25	86
’22	25	21	20	23	90
’21	15	19	22	25	81
’20	12	—	—	—	44

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	20	(26)	—	—	—
’25	(22)	(18)	3	8	(28)
’24	2	(8)	(10)	1	(15)
’23	3	(9)	8	10	12
’22	(4)	42	(1)	24	61
’21	(9)	(17)	4	12	(9)
’20	8	—	(3)	23	20

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	20	(26)	—	—	—
’25	(21)	(18)	3	8	(28)
’24	1	(8)	(13)	5	(16)
’23	3	(14)	7	9	5
’22	(6)	40	(5)	24	54
’21	(9)	(17)	3	11	(12)
’20	8	—	(4)	23	19

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.20	0.15	—	—	—
’25	0.23	0.29	0.34	0.27	1.13
’24	0.25	0.24	0.25	0.20	0.93
’23	0.29	0.35	0.37	0.32	1.33
’22	0.76	0.41	0.27	0.49	1.87
’21	0.63	0.89	0.96	0.90	3.27
’20	1.24	—	—	—	1.39

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	11.90	8.20	7.61	8.72	13.49	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	14.60	21.86	14.35	20.50	22.49
People
People	Employees	—	—	—	—	95	116	146	162	196	198
	Revenue/emp, $m	—	—	—	0.00	0.46	0.70	0.61	0.53	0.49	0.76
Income, $m
Income, $m	Revenue	—	—	—	35	44	81	90	86	97	151
	Gross margin, %	—	—	—	95.85	96.00	98.44	98.40	88.40	84.06	86.56
	EBT	—	—	—	13	15	42	36	24	17	22
	EBT margin, %	—	—	—	36.39	34.50	52.13	40.15	27.69	17.54	14.41
	Net income	—	—	—	10	11	32	25	17	13	16
	Depreciation	—	—	—	0	1	1	2	4	5	5
Per share, $
Per share, $	Revenue	—	—	—	5.01	5.47	9.35	7.05	6.89	7.68	11.77
	Earnings	—	—	—	1.37	1.40	3.44	1.96	1.38	0.98	1.20
	Cash flow	—	—	—	(1.12)	2.44	(1.06)	4.80	0.98	(1.19)	(2.22)
	Capex	—	—	—	(0.08)	(0.07)	(0.27)	(0.57)	(0.60)	(0.08)	0.02
	Free cash flow	—	—	—	(1.20)	2.37	(1.33)	4.24	0.38	(1.27)	(2.20)
	Book value	—	—	—	4.70	5.72	13.32	11.03	12.42	13.77	15.06
	Shares, m	—	—	—	7	8	9	13	12	13	13
Valuation, ×
Valuation, ×	P/E	—	—	—	4.61	4.61	3.86	4.46	10.65	16.31	14.95
	P/S	—	—	—	1.55	1.55	1.47	1.28	2.12	2.08	1.52
	P/B	—	—	—	1.52	1.52	1.04	0.82	1.18	1.16	1.19
	EV/Sales	—	—	—	0.58	0.58	0.43	0.16	0.76	0.95	0.44
	EV/FCF	—	—	—	3,019.38	3,019.38	(3.01)	0.27	13.61	(5.79)	(2.37)
Cash, $m
Cash, $m	Operating cash flow	—	—	—	(8)	20	(9)	61	12	(15)	(28)
	Capex	—	—	—	(1)	(1)	(2)	(7)	(7)	(1)	0
	Free cash flow	—	—	—	(8)	19	(12)	54	5	(16)	(28)
Balance, $m
Balance, $m	Working capital	—	—	—	(1)	116	33	84	76	23	(45)
	Total debt	—	—	—	—	101	1	0	0	0	—
	Net debt	—	—	—	(35)	54	(85)	(100)	(117)	(109)	(163)
	Shareholders’ equity	—	—	—	33	46	115	140	155	174	193
Returns, %
Returns, %	ROA	—	—	—	3.89	4.19	8.54	6.43	3.48	1.85	1.79
	ROIC	—	—	—	0.00	9.51	87.58	58.70	38.89	16.43	45.65
	ROE	—	—	—	24.41	26.24	36.95	19.63	11.62	7.51	8.39

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MNSB MainStreet Bank	$172.8M	11.8×	10.9×	−6.70% (below 0%: shrinking)	+9.43% (above 0%: growing)	+286.64% (above 0%: growing)	57.99%	0.00%	Compare
BAFN BayFirst Financial Corp.	$170.8M	— (loss-making)	—	−70.88% (below 0%: shrinking)	n/m	−99.45% (below 0%: shrinking)	27.34%	0.00%	Compare
HNVR Hanover Bancorp, Inc.	$170.6M	19.0×	11.2×	−2.10% (below 0%: shrinking)	+66.67% (above 0%: growing)	+972.77% (above 0%: growing)	56.13%	0.00%	Compare
EBMT Eagle Bancorp Montana, Inc.	$164.7M	10.2×	11.3×	−1.03% (below 0%: shrinking)	+11.90% (above 0%: growing)	−301.01% (below 0%: shrinking)	76.37%	0.00%	Compare
FINW FinWise Bancorp	$149.2M	10.5×	13.1×	+98.06% (above 0%: growing)	−48.39% (below 0%: shrinking)	−43.89% (below 0%: shrinking)	91.22%	0.00%
LSBK Lake Shore Bancorp, Inc.	$142.3M	16.1×	—	+2.32% (above 0%: growing)	+16.05% (above 0%: growing)	+60.67% (above 0%: growing)	75.39%	0.00%	Compare
HYNE Hoyne Bancorp, Inc.	$136.0M	—	—	+11.37% (above 0%: growing)	—	−140.80% (below 0%: shrinking)	83.07%	0.00%	Compare
FGBI First Guaranty Bancshares, Inc.	$135.0M	— (loss-making)	24.3×	−5.84% (below 0%: shrinking)	n/m	+17.37% (above 0%: growing)	45.46%	0.00%	Compare
SRBK SR Bancorp, Inc.	$133.4M	41.0×	20.3×	−1.47% (below 0%: shrinking)	−51.91% (below 0%: shrinking)	+141.06% (above 0%: growing)	63.94%	0.00%	Compare
Median of peers	$153.5M	16.1×	11.3×	−1.78%	+11.90%	+39.02%	60.97%	0.00%

All 323 Banks Regional stocks →

FinWise Bancorp (FINW) key facts

Strength: FinWise Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $151.0 million, up 55.9% from fiscal 2024.
FinWise Bancorp (FINW) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, FINW traded at $10.73, a market capitalization of $149.2 million.
Return on equity was 8.39% and debt-to-equity 0.00.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.