FinWise Bancorp financials
$11.26−1.14%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 |
|---|---|---|---|---|---|
| Revenue | $151.0M | $96.8M | $86.0M | $89.7M | $81.1M |
| Gross profit | $130.7M | $81.4M | $76.0M | $88.3M | $79.8M |
| Gross margin | 86.6% | 84.1% | 88.4% | 98.4% | 98.4% |
| Operating income | $21.8M | $17.0M | $23.8M | $36.0M | $42.3M |
| Net income | $16.1M | $12.7M | $17.5M | $25.1M | $29.8M |
| Net margin | 10.7% | 13.2% | 20.3% | 28.0% | 36.8% |
| Diluted EPS | $1.13 | $0.93 | $1.33 | $1.87 | $3.27 |
| EBITDA | $21.8M | $17.0M | $23.8M | $37.8M | $43.1M |
| Operating cash flow | -$28.4M | -$15.0M | $12.3M | $61.2M | -$6.30B |
| Free cash flow | -$33.7M | -$19.8M | $4.8M | $53.9M | -$6.31B |
| Diluted shares | 13.6M | 13.2M | 12.9M | 13.4M | 9.1M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|
| Cash & equivalents | $12.1M | $9.6M | $411.0K | $386.0K | $411.0K |
| Short-term investments | $189.0M | $150.1M | $136.4M | $119.7M | $103.0M |
| Total debt | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total assets | $977.1M | $746.0M | $586.2M | $400.8M | $380.2M |
| Total liabilities | $783.9M | $572.3M | $431.2M | $260.3M | $264.8M |
| Shareholders' equity | $193.2M | $173.7M | $155.1M | $140.5M | $115.4M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology