FinWise Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	72.18	58.91	54.56	50.9	47.98
Net Interest Income Growth	22.53%	7.98%	7.20%	6.08%	72.89%
Non-Interest Income	58.48	22.49	21.46	37.41	31.84
Non-Interest Income Growth	160.10%	4.80%	-42.65%	17.48%	121.55%
Revenues Before Loan Losses	130.67	81.4	76.02	88.31	79.82
Provision for Credit Losses	38.57	11.57	11.64	13.52	8.04
Revenue	92.09	69.82	64.38	74.79	71.78
Revenue Growth (YoY)	31.89%	8.46%	-13.92%	4.18%	94.59%
Compensation Expenses	42.29	35.21	25.75	24.49	21.74
Selling, General & Admin	5.51	6.92	8.27	7.66	2.55
Other Non-Interest Expenses	22.54	10.72	6.54	6.61	5.22
Total Non-Interest Expense	70.33	52.84	40.56	38.76	29.51
Pretax Income	21.76	16.99	23.81	36.03	42.27
Provision for Income Taxes	5.67	4.25	6.35	10.92	10.69
Net Income	16.09	12.74	17.46	25.12	31.58
Net Income to Common	16.09	12.74	17.46	25.12	31.58
Net Income Growth	26.28%	-27.02%	-30.48%	-20.48%	182.04%
Shares Outstanding (Basic)	13	13	12	13	9
Shares Outstanding (Diluted)	14	13	13	13	9
Shares Change (YoY)	2.54%	2.47%	-3.35%	46.65%	12.87%
EPS (Basic)	1.20	0.98	1.38	1.96	3.44
EPS (Diluted)	1.13	0.93	1.33	1.87	3.27
EPS Growth	21.50%	-30.08%	-28.88%	-42.81%	155.47%
Free Cash Flow	-34.19	-19.89	4.81	53.94	-11.57
Free Cash Flow Growth	-	-	-91.09%	-	-
Free Cash Flow Per Share	-2.52	-1.50	0.37	4.04	-1.27
Profit Margin	17.47%	18.25%	27.12%	33.58%	44.00%
FCF Margin	-37.13%	-28.48%	7.47%	72.12%	-16.11%
Effective Tax Rate	26.05%	25.00%	26.68%	30.30%	25.29%

SEC Filings: 10-K · 10-Q