FinWise Bancorp (FINW)

From the record

FinWise Bancorp's filings since 2021 show 4 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2022-10-21); an auditor change (8-K item 4.01, the latest 2025-06-06); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2023-08-15) (its current reports).

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FinWise Bancorp's 5 filed years say what it did: revenue went from $49 million in fiscal 2021 to $92 million in fiscal 2025, up 17.1% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 5 of 5 of those years (its annual reports).

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Over the 3 fiscal years to 2025-12-31, FinWise Bancorp's diluted share count grew about 0.5% a year, and dividends and buybacks returned about 11% of its net income over 3 years (its filed statements). Its officers and directors filed 0 sales and 1 purchase of their own stock on the open market in the year to 2026-11-03, buying about $53 thousand (their Form 4 filings).

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Return on equity: in the fiscal year ended 2025-12-31, FinWise Bancorp earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count grew 2.5% over the year (the filed statements).

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FinWise Bancorp's standing among 155 graded names in its industry family: revenue of $92 million in fiscal 2025 ranks in the bottom 11% by size; a net margin of 17.4% ranks in the bottom 29%; revenue growth of 20.9% a year over the last 3 filed years ranks in the top 28% (its annual reports).

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FinWise Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Noone, James (CHIEF EXECUTIVE OFFICER, as filed), filing under that title since 2026-07-29, 4 months (bottom 1% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 3.3 years (bottom 3%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 20%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

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FinWise Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $163 million against no long-term debt tagged leaves 16.7% of its assets as net cash, top 1% of its family; cash from operations less capital spending is -31% of revenue (bottom 1%) (its annual report).

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FinWise Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 20.9% a year over the last three filed years against 17.1% over all 5, speeding up (top 50% of its family); the newest year grew 24.4% (top 6%); capital spending grew -68.8% a year (bottom 1%) (its annual reports). FinWise Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

FinWise Bancorp's newest year against its own record: revenue of $92 million in fiscal 2025 came in 4.4% above the $89 million its prior three years' pace pointed to (top 9% of its family); net income of $16 million against a prior three-year average of $18 million (bottom 14%); a net margin of 17.4% against 30.7% before (bottom 8%) (its annual reports).