FinWise Bancorp (FINW)

FinWise Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2020	FY 2019
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2020	Dec 31, 2019
Net Income	16.09	12.74	11.2	9.66
Depreciation & Amortization	4.86	5.29	1.01	0.46
Provision for Credit Losses	38.57	11.57	5.23	5.29
Stock-Based Compensation	3.58	2.05	1.76	1.77
Net Change in Loans Held-for-Sale	-54.05	-44.07	4.16	-18.15
Other Adjustments	-33.67	-1.86	-5.09	-4.89
Changes in Accrued Interest and Accounts Receivable	-0.14	0.01	-0.69	-0.48
Changes in Accounts Payable	1.14	0.88	0.13	0.01
Changes in Other Operating Activities	-4.8	-1.59	1.87	-1.55
Operating Cash Flow	-28.42	-14.99	19.59	-7.89
Net Change in Loans Held-for-Investment	-82.31	-64.47	-122.73	-28.81
Net Change in Securities and Investments	5.15	-27.18	-1.37	0.13
Capital Expenditures	-0.22	-1.08	-0.59	-0.54
Other Investing Activities	-49.53	-39.66	0.48	-0.06
Investing Cash Flow	-126.91	-132.38	-130.22	-29.29
Net Change in Deposits	209.61	140.12	22.46	47.2
Short-Term Debt Issued	-	-	115.98	-
Short-Term Debt Repaid	-	-0.13	-14.97	-
Net Short-Term Debt Issued (Repaid)	-	-0.13	101.01	-
Issuance of Common Stock	0.48	0.03	0.08	0.13
Repurchase of Common Stock	-	-0.46	-0.04	-0.09
Net Common Stock Issued (Repurchased)	0.48	-0.44	0.04	0.04
Other Financing Activities	-0.52	-	-0.27	-1.28
Financing Cash Flow	209.57	139.56	123.24	45.95
Net Cash Flow	54.24	-7.81	12.6	8.78
Free Cash Flow	-28.64	-16.07	18.99	-8.43
FCF Margin	-31.10%	-23.01%	51.49%	-29.55%
Free Cash Flow Per Share	-2.11	-1.21	2.35	-1.20
Levered Free Cash Flow	16.93	16.12	113.94	7.56
Unlevered Free Cash Flow	0.84	3.51	1.74	-2.1

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q