What is FinWise Bancorp's baas — net interest income?

FinWise Bancorp (FINW) reported baas — net interest income of $23.88M in Q1 2026.

What does baas — net interest income mean?

The difference between interest income earned and interest expense incurred by the Banking-as-a-Service segment. It serves as a primary indicator of the segment's profitability from its core lending and deposit-taking activities.

FinWise Bancorp FINW BaaS — Net Interest Income

Other segment segments

Traditional Banking

$3.85M—

Treasury and Administration

$368K—

Similar metrics at other companies

CCBBaaS program income — Noninterest income

$10.89M+73.4%

CCBBaaS indemnification income — Noninterest income

$53.8M-3.3%

CCBServicing and other BaaS fees — Noninterest income

$2.62M+84.8%

CCBBaaS fraud enhancements — Noninterest income

$3.06M+53.5%

CCBBaaS credit enhancements — Noninterest income

$50.74M-5.4%

CCBBaaS program income — Revenue

$10.89M+73.4%

Other financials

Income statement

See full

Revenue$42.7M+93.4%

Net income$2.7M-14.2%

EPS (diluted)$0.20-13.0%

Balance sheet

See full

Cash & equivalents$96.9M-19.4%

Total debt$4.4M-16.9%

Total equity$196.6M+10.9%

Total assets$899.4M+11.9%

Cash flow

See full

Operating cash flow$19.7M+191%

CapEx$21.0K-82.1%

Free cash flow$19.7M+191%

Valuation

See full

Market cap$198.74M+7.6%

P/E12.7×-0.9×

P/S1.3×-0.8×

Profitability

See full

Net margin10.3%-4.7pp

FCF margin-14.7%-40.8pp

Returns & leverage

See full

Return on equity8.4%+0.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by FinWise Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: FinWise Bancorp’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is FinWise Bancorp's baas — net interest income?: FinWise Bancorp (FINW) reported baas — net interest income of $23.88M in Q1 2026.
What does baas — net interest income mean?: The difference between interest income earned and interest expense incurred by the Banking-as-a-Service segment. It serves as a primary indicator of the segment's profitability from its core lending and deposit-taking activities.