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FinWise Bancorp (FINW) investor relations material
FinWise Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Loan originations reached $1.8 billion, up 21% quarter over quarter and 24% year over year, driven by student lending and new program maturation.
Net income was $4.9 million, a 19% increase from the prior quarter and 42% year over year, supported by robust loan growth and disciplined expense management.
Diluted EPS rose to $0.34 from $0.29 in the prior quarter and $0.25 a year ago.
Total assets reached $899.9 million, the highest in company history.
Announced new strategic agreements with DreamFi and Tally Technologies, with ongoing discussions for further expansion.
Financial highlights
Net interest income increased to $18.6 million from $14.7 million in the prior quarter.
Non-interest income surged to $18.1 million, up from $10.3 million in the prior quarter, mainly due to credit enhancement income and increased loan sales.
Provision for credit losses was $12.8 million, up from $4.7 million in the prior quarter, mainly due to credit-enhanced balance growth.
Non-interest expense rose to $17.4 million, primarily from higher credit enhancement guarantee expense and increased operating costs.
Efficiency ratio improved to 47.6% from 59.5% in the prior quarter; non-GAAP core efficiency ratio was 59.7% versus 65.3%.
Outlook and guidance
Expect Q4 credit-enhanced balances to reach approximately $115 million, exceeding prior guidance of $50–$100 million.
Project $8–$10 million in monthly organic growth in credit-enhanced balances for 2026.
Anticipate a 5% annualized growth rate in loan originations from a $1.4 billion quarterly base in 2026.
Net interest margin may compress in Q4 due to the Tally partnership, with some revenue shifting to non-interest income.
Management anticipates further efficiency improvements as revenues from credit enhanced loans and new payments initiatives are realized.
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Next FinWise Bancorp earnings date
Q4 202529 Jan, 2026
Next FinWise Bancorp earnings date
Q4 202529 Jan, 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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