FinWise Bancorp Cash Flow 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 Income	16.09	12.74	17.46	25.12	31.58
Depreciation & Amortization	4.86	5.29	3.81	2.11	1.04
Provision for Credit Losses	38.57	11.57	11.64	13.52	8.04
Stock-Based Compensation	3.58	2.05	2.05	0.78	2.1
Net Change in Loans Held-for-Sale	-60.43	-46.11	-25.61	23.61	-49.49
Other Adjustments	-27.3	0.17	2.74	-1.21	-6.59
Changes in Accrued Interest and Accounts Receivable	-0.14	0.01	-1.76	-0.27	0.08
Changes in Accrued Expenses	1.14	0.88	0.57	0.01	-0.15
Changes in Other Operating Activities	-4.8	-1.59	1.37	-2.51	4.15
Operating Cash Flow	-28.42	-14.99	12.27	61.15	-9.23
Operating Cash Flow Growth	-	-	-79.94%	-	-
Net Change in Loans Held-for-Investment	-126.68	-100.3	-144.51	-26.08	35.62
Net Change in Securities and Investments	5.06	-27.29	-0.9	-3.16	-9.81
Capital Expenditures	-5.77	-4.9	-7.46	-7.21	-2.33
Other Investing Activities	0.47	0.1	-	0.62	0.78
Investing Cash Flow	-126.91	-132.38	-152.87	-35.83	24.26
Net Change in Deposits	209.61	140.12	161.84	-8.89	87.42
Long-Term Debt Issued	-	-	-	-	5.56
Long-Term Debt Repaid	-	-0.13	-0.13	-0.74	-105.52
Net Long-Term Debt Issued (Repaid)	-	-0.13	-0.13	-0.74	-99.96
Issuance of Common Stock	0.48	0.03	0.04	0.26	35.89
Repurchase of Common Stock	-	-0.46	-4.74	-1.14	-
Net Common Stock Issued (Repurchased)	0.48	-0.44	-4.7	-0.88	35.89
Other Financing Activities	-0.52	-	-	-	-
Financing Cash Flow	209.57	139.56	157.01	-10.51	23.35
Net Cash Flow	54.24	-7.81	16.41	14.81	38.37
Free Cash Flow	-34.19	-19.89	4.81	53.94	-11.57
Free Cash Flow Growth	-	-	-91.09%	-	-
FCF Margin	-37.13%	-28.48%	7.47%	72.12%	-16.11%
Free Cash Flow Per Share	-2.52	-1.50	0.37	4.04	-1.27
Levered Free Cash Flow	11.38	12.31	13.87	16.5	-65.59
Unlevered Free Cash Flow	-4.71	-0.31	-3.47	-7.88	2.79

Updated May 12, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q