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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, up 26% year-over-year, with Q4 net income at $3.9 million and diluted EPS of $1.13 for the year and $0.27 for Q4.
Q4 loan originations reached $1.6 billion, exceeding guidance, and full-year originations grew 22% to $6.1 billion.
Total assets reached $977 million at year-end, a 31% increase year-over-year.
Tangible book value per share rose to $14.15 at year-end, up from $13.84 in Q3 and $13.15 in Q4 2024.
Strategic partnerships, product innovation, and the launch of DreamFi and Credit Enhanced Lending contributed to growth.
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 for Q4 was $22.3 million, up from $18 million in Q3.
Efficiency ratio improved to 50.5% in Q4, down from 64.2% in Q4 2024.
Total deposits increased to $754.6 million, driven by growth in time certificates and noninterest-bearing demand deposits.
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.
Net interest margin expected to rise with credit-enhanced portfolio growth; efficiency ratio targeted for gradual improvement.
Tax rate guidance is 26%.
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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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