FinWise Bancorp (FINW)

FinWise Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	59.3	58.91	54.56	50.9	47.98	27.75
Net Interest Income Growth	3.31%	7.98%	7.20%	6.08%	72.89%	-
Non-Interest Income	27.33	22.49	21.46	37.41	31.84	14.37
Non-Interest Income Growth	25.16%	4.80%	-42.65%	17.48%	121.55%	-
Revenues Before Loan Losses	86.63	81.4	76.02	88.31	79.82	42.12
Provision for Credit Losses	14.1	11.57	11.64	13.52	8.04	5.23
Revenue	72.54	69.82	64.38	74.79	71.78	36.89
Revenue Growth (YoY)	7.59%	8.46%	-13.92%	4.18%	94.59%	-
Compensation Expenses	39.35	35.21	25.75	24.49	21.74	16.84
Selling, General & Admin	6.87	8.98	8.27	7.66	2.55	0.69
Other Non-Interest Expenses	10.52	8.65	6.54	6.61	5.22	4.22
Total Non-Interest Expense	56.75	52.84	40.56	38.76	29.51	21.75
Pretax Income	18.17	16.99	23.81	36.03	42.27	15.14
Provision for Income Taxes	4.63	4.25	6.35	10.92	10.69	3.94
Net Income	13.53	12.74	17.46	25.12	31.58	11.2
Net Income to Common	13.53	12.74	17.46	25.12	31.58	11.2
Net Income Growth	-12.44%	-27.02%	-30.48%	-20.48%	182.04%	-
Shares Outstanding (Basic)	13	13	12	13	9	8
Shares Outstanding (Diluted)	13	13	13	13	9	8
Shares Change (YoY)	4.10%	2.47%	-3.35%	46.65%	12.87%	-
EPS (Basic)	1.02	0.98	1.38	1.96	3.44	1.29
EPS (Diluted)	0.96	0.93	1.33	1.87	3.27	1.28
EPS Growth	-18.64%	-30.08%	-28.88%	-42.81%	155.47%	-
Free Cash Flow	-52.95	-19.89	4.81	53.94	-11.57	18.99
Free Cash Flow Growth	-	-	-91.09%	-	-	-
Free Cash Flow Per Share	-3.94	-1.50	0.37	4.04	-1.27	2.35
Profit Margin	18.66%	18.25%	27.12%	33.58%	44.00%	30.36%
FCF Margin	-73.00%	-28.48%	7.47%	72.12%	-16.11%	51.49%
EBITDA	5.15	5.29	3.81	2.11	1.04	1.01
EBITDA Margin	7.10%	7.57%	5.92%	2.82%	1.45%	2.74%
Effective Tax Rate	25.50%	25.00%	26.68%	30.30%	25.29%	26.04%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q