FinWise Bancorp (NASDAQ:FINW) Releases Quarterly Earnings Results, Misses Estimates By $0.08 EPS

FinWise Bancorp (NASDAQ:FINW) posted its earnings results on Thursday. The company reported $0.27 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.35 by ($0.08), FiscalAI reports. FinWise Bancorp had a return on equity of 8.82% and a net margin of 10.66%.The company had revenue of $26.36 million for the quarter, compared to analyst estimates of $42.32 million.

Here are the key takeaways from FinWise Bancorp’s conference call:

• FinWise reported a strong 2025 with net income up 26%, Q4 net income of $3.9M (EPS $0.27), and robust originations of $1.6B in Q4 and $6.1B for FY2025.
• The credit-enhanced product outperformed expectations—ending Q4 at $118M—and materially boosted net interest income and reported NIM, with management noting the credit-enhancement income offsets related provisions dollar-for-dollar.
• Credit quality prompted higher losses and reserves in Q4—net charge-offs rose to $6.7M (up from $3.1M) and provision for loan losses increased to $17.7M—partly due to tightened servicing standards that drove accelerated charge-offs and a $1.1M after-tax hit to earnings.
• BIN/payments (MoneyRails) is ramping more slowly than expected but remains a strategic growth area with growing client use cases; management says pipeline and cross-sell opportunities are healthy but timing is lumpy.

FinWise Bancorp Price Performance

Shares of NASDAQ FINW opened at $17.51 on Friday. The business has a fifty day moving average price of $17.95 and a two-hundred day moving average price of $18.37. The stock has a market capitalization of $237.96 million, a PE ratio of 15.50 and a beta of 0.82. FinWise Bancorp has a fifty-two week low of $13.48 and a fifty-two week high of $22.49.

Analysts Set New Price Targets

FINW has been the subject of a number of research analyst reports. Hovde Group boosted their price objective on FinWise Bancorp from $20.00 to $22.00 and gave the stock an “outperform” rating in a report on Monday, October 20th. Weiss Ratings reissued a “hold (c)” rating on shares of FinWise Bancorp in a report on Monday, December 29th. One analyst has rated the stock with a Buy rating and one has issued a Hold rating to the company’s stock. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and a consensus target price of $22.00.

Insider Buying and Selling

In related news, insider Robert Keil sold 1,500 shares of the business’s stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $19.48, for a total value of $29,220.00. Following the completion of the transaction, the insider owned 56,428 shares of the company’s stock, valued at $1,099,217.44. The trade was a 2.59% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. 21.30% of the stock is currently owned by company insiders.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently bought and sold shares of the business. BNP Paribas Financial Markets bought a new position in shares of FinWise Bancorp in the second quarter worth about $25,000. Bank of America Corp DE lifted its stake in FinWise Bancorp by 3,887.7% in the 2nd quarter. Bank of America Corp DE now owns 2,911 shares of the company’s stock valued at $44,000 after purchasing an additional 2,838 shares during the last quarter. JPMorgan Chase & Co. bought a new position in FinWise Bancorp in the 2nd quarter valued at approximately $65,000. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. acquired a new stake in FinWise Bancorp in the second quarter valued at approximately $74,000. Finally, Cubist Systematic Strategies LLC bought a new stake in shares of FinWise Bancorp during the first quarter worth $104,000. Institutional investors own 35.41% of the company’s stock.

FinWise Bancorp Company Profile

FinWise Bancorp is the bank holding company for FinWise Bank, a digital‐first community bank headquartered in Lindon, Utah. The company specializes in providing commercial lending and deposit products to marketplace lending platforms, fintech companies and small to mid‐sized businesses across the United States. FinWise Bancorp operates through its wholly owned subsidiary, FinWise Bank, which is FDIC‐insured and leverages a technology‐driven model to deliver banking services efficiently.

The company’s primary business activities include participant financing arrangements for marketplace lenders and other fintech platforms, as well as direct commercial loans.