FinWise Bancorp (FINW)

FinWise Bancorp Cash Flow Statement

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

Fiscal Year	FY 2021	FY 2021
Period Ending	Dec 31, 2020	Dec 31, 2019
Net Income	11.2	9.66
Depreciation & Amortization	1.01	0.46
Provision for Credit Losses	5.23	5.29
Stock-Based Compensation	1.76	1.77
Net Change in Loans Held-for-Sale	4.16	-18.15
Other Adjustments	-5.09	-4.89
Changes in Accrued Interest and Accounts Receivable	-0.69	-0.48
Changes in Accounts Payable	0.13	0.01
Changes in Other Operating Activities	1.87	-1.55
Operating Cash Flow	19.59	-7.89
Net Change in Loans Held-for-Investment	-122.73	-28.81
Net Change in Securities and Investments	-1.37	0.13
Capital Expenditures	-0.59	-0.54
Other Investing Activities	0.48	-0.06
Investing Cash Flow	-130.22	-29.29
Net Change in Deposits	22.46	47.2
Short-Term Debt Issued	115.98	-
Short-Term Debt Repaid	-14.97	-
Net Short-Term Debt Issued (Repaid)	101.01	-
Issuance of Common Stock	0.08	0.13
Repurchase of Common Stock	-0.04	-0.09
Net Common Stock Issued (Repurchased)	0.04	0.04
Other Financing Activities	-0.27	-1.28
Financing Cash Flow	123.24	45.95
Net Cash Flow	12.6	8.78
Free Cash Flow	18.99	-8.43
FCF Margin	51.49%	-29.55%
Free Cash Flow Per Share	2.35	-1.20
Levered Free Cash Flow	113.94	7.56
Unlevered Free Cash Flow	1.74	-2.1

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q