FINWNasdaqState Commercial BanksFiscal year ends December 31
Finwise Bancorp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$10.50−0.18 (-1.69%)
Close on Oct 19, 2026
- Market cap
- $143.57M
- P/E (TTM)
- 10.9
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2020 to 2025
Net margin
12.3%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +60.5% | +14.0% | – | – | |
| Net income | +26.3% | -13.8% | – | – | |
| EPS, diluted | +21.5% | -15.5% | – | – |
Returns and balance sheet
6 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2020 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 8.8% | |
| Return on assets | – | – | 1.9% | |
| Capex to revenue | – | – | 0.2% | |
| Diluted shares | – | – | 14M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Finwise Bancorp generated $126.07M from operations and spent $24.64M on capital expenditure, dividends and share buybacks. 74% of that went back into the business.
Generated
$126.07M
Used
$24.64M
Capital expenditure$18.30M74%Dividends$00%Share buybacks$6.34M26%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin12.3%
×Asset turnover0.15×
×Equity multiplier4.70×
=Return on equity, FY20258.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 12.3% | 0.15× | 4.70× | 8.8% |
| FY2024 | 15.7% | 0.12× | 4.05× | 7.8% |
| FY2023 | 23.0% | 0.15× | 3.34× | 11.8% |
| FY2022 | 28.4% | 0.23× | 3.05× | 19.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
2of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$16.09M
- Cash generatingOperating cash flow above zero-$28.42M
- Return on assets improvedROA up on the prior year2.2% → 2.2%
- Earnings backed by cashOperating cash flow above net income-$28.42M vs $16.09M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise13M → 14M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.14 → 0.18