What is FinWise Bancorp's baas — non-interest income?

FinWise Bancorp (FINW) reported baas — non-interest income of $11.79M in Q1 2026.

What does baas — non-interest income mean?

Revenue generated by the Banking-as-a-Service segment from sources other than interest, such as service fees, platform usage fees, or commissions. This metric highlights the segment's ability to diversify income streams beyond traditional net interest margins.

FinWise Bancorp FINW BaaS — Non-interest income

Other segment segments

Traditional Banking

$3.03M—

Treasury and Administration

-$43K—

Similar metrics at other companies

CCBBaaS program income — Noninterest income

$10.89M+73.4%

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%

CCBBaaS enhancements / guarantees — Revenue not from contract with customer

$56.29M-25.6%

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

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Market cap$198.74M+7.6%

P/E12.7×-0.9×

P/S1.3×-0.8×

Profitability

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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 finw:NoninterestIncomeAdjusted.

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 — non-interest income?: FinWise Bancorp (FINW) reported baas — non-interest income of $11.79M in Q1 2026.
What does baas — non-interest income mean?: Revenue generated by the Banking-as-a-Service segment from sources other than interest, such as service fees, platform usage fees, or commissions. This metric highlights the segment's ability to diversify income streams beyond traditional net interest margins.