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FinWise Bancorp
FinWise Bancorp (FINW) investor relations material
FinWise Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for 2025 was $16.1 million, a 26% increase from 2024, with Q4 net income at $3.9 million and diluted EPS of $1.13 for the year and $0.27 in Q4.
Loan originations reached $6.1 billion for 2025, up 22% year-over-year, with $1.6 billion in Q4, exceeding guidance.
Tangible book value per share rose to $14.15 at year-end, up from $13.84 in Q3 and $13.15 in Q4 2024.
Expansion of credit-enhanced products and successful fintech partnerships, including DreamFi, contributed to growth.
Strategic focus on scalable partnerships, disciplined AI adoption, and infrastructure investment to drive efficiency and long-term value.
Financial highlights
Net interest income for Q4 was $24.6 million, up from $18.6 million in Q3 and $15.5 million in Q4 2024.
Net interest margin for Q4 was 11.42%, compared to 9.01% in Q3 and 10.00% in Q4 2024.
Non-interest income reached $22.3 million in Q4, up from $18 million in Q3 and $5.6 million in Q4 2024.
Efficiency ratio improved to 50.5% in Q4 from 64.2% in Q4 2024.
Total assets at year-end were $977 million, up 31% year-over-year.
Outlook and guidance
Q1 2026 loan originations are tracking at a $1.4 billion quarterly run rate, with full-year 2026 originations expected to grow 5% from this baseline.
Credit-enhanced balances projected to grow $8–$10 million per month in 2026.
Net charge-offs for non-credit enhanced loans expected at $3.5 million per quarter; up to $10 million in watchlist loans could migrate to NPL in Q1 2026.
Net interest margin expected to rise with credit-enhanced portfolio growth; efficiency ratio targeted for gradual improvement.
Management expects continued growth in SBA and commercial lease portfolios, with a scalable business model supporting long-term shareholder value.
Retaining top-tier partners amid charter trend?
Detail Q4 NCO drivers from servicing changes.
Next key balance sheet growth drivers?
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Next FinWise Bancorp earnings date
Q1 202629 Apr, 2026
FinWise Bancorp
Next FinWise Bancorp earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
FinWise Bancorp is a bank holding company that operates through its subsidiary, FinWise Bank, providing financial products and services to consumers and businesses. The company offers commercial and consumer lending, deposit products, and banking-as-a-service (BaaS) solutions. It partners with fintech companies to deliver loan origination and payment processing services, supporting a range of industries. The company is headquartered in Murray, Utah, and its shares are listed on the NASDAQ.
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