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FinWise Bancorp FINW Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$46.9MBeat by $4.5M
EPS$0.27Miss by $0.08
Revenue estimate$42.3M
EPS estimate$0.35

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$46.9M+122%
Net income$3.9M+40.2%
EPS (diluted)$0.27+42.1%

Balance sheet

See full
Cash & equivalents$163.4M+49.7%
Total debt$4.4M-16.9%
Total equity$193.2M+11.2%
Total assets$977.1M+31.0%

Cash flow

See full
CapEx$6.0K—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$243.75M+15.5%
Enterprise value$84.76M-21.0%
P/E15.1×-1.4×
P/S1.9×-0.7×

Profitability

See full
Net margin12.3%-3.3pp

Returns & leverage

See full
Return on equity8.8%+1.0pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$54.3MBeat by $7.2MQ1 2026$42.7MMiss by $7.8M
Q4 2025$46.9MBeat by $4.5M
Q3 2025$36.4MBeat by $8.2MQ2 2025$25.1MBeat by $1.3MQ1 2025$22.1MMiss by $543.8K

Diluted EPS

Q2 2026$0.15Miss by $0.09Q1 2026$0.20Miss by $0.13
Q4 2025$0.27Miss by $0.08
Q3 2025$0.34Beat by $0.04Q2 2025$0.29Beat by $0.06Q1 2025$0.23Miss by $0.02

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Questions, answered.

When did FinWise Bancorp report Q4 2025 earnings?
FinWise Bancorp (FINW) reported Q4 2025 earnings on January 29, 2026 after market close.
What were FinWise Bancorp's Q4 2025 revenue and EPS?
FinWise Bancorp reported revenue of $46.9M and eps of $0.27 for Q4 2025.
Did FinWise Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $42.3M by $4.5M. EPS missed the consensus estimate of $0.35 by $0.08.
How did FinWise Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 83.1% from $25.6M a year earlier and eps grew 29.4% from $0.21.
Where can I find FinWise Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001856365-26-000004) and the 10-K periodic report (0001856365-26-000006) directly on SEC EDGAR. The filing index links above go to sec.gov.