FinWise Bancorp (FINW) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q1'21 |
|---|
| Net Interest Income | 0 | 24.57M | 18.61M | 14.73M | 14.28M | 15.53M | 14.76M | 14.62M | 14.01M | 14.37M | 14.41M | 13.68M | 12.11M | 12.65M | 12.52M | 12.77M | 12.96M | 15.27M | 13.47M | 8.43M |
| NII Growth % | -100% | 58.22% | 26.04% | 0.77% | 1.96% | 8.08% | 2.44% | 6.87% | 15.69% | 13.61% | 15.11% | 7.1% | -6.6% | -17.19% | -7.06% | - | 53.68% | 87.13% | - | - |
| Net Interest Margin % | 0% | 2.51% | 2.07% | 1.75% | 1.78% | 2.08% | 2.16% | 2.37% | 2.29% | 2.45% | 2.6% | 2.76% | 2.74% | 3.16% | 3.25% | 3.49% | 3.05% | 4.02% | 3.98% | 2.56% |
| Interest Income | 0 | 30.23M | 23.97M | 19.74M | 18.54M | 19.36M | 18.92M | 18.42M | 17.64M | 18.05M | 17.21M | 15.87M | 13.4M | 13.27M | 12.82M | 13.01M | 13.22M | 15.55M | 13.75M | 8.81M |
| Interest Expense | 5.45M | 5.67M | 5.36M | 5.01M | 4.26M | 3.83M | 4.16M | 3.81M | 3.64M | 3.69M | 2.8M | 2.19M | 1.29M | 624K | 304K | 244K | 262K | 281K | 279K | 372K |
| Loan Loss Provision | -5.45M | 17.71M | 12.8M | 4.73M | 3.34M | 3.88M | 2.16M | 2.38M | 3.15M | 3.21M | 3.07M | 2.69M | 2.67M | 3.2M | 4.46M | 2.91M | 2.95M | 2.5M | 3.37M | 633K |
| Non-Interest Income | 33.54M | 22.28M | 17.8M | 10.34M | 7.81M | 6.23M | 6.05M | 5.17M | 5.66M | 6.64M | 4.89M | 5.29M | 4.83M | 9.78M | 7.52M | 8.43M | 11.68M | 9.13M | 8.47M | 6.08M |
| Non-Interest Income % | 100% | 42.43% | 42.62% | 34.37% | 29.64% | 24.34% | 24.24% | 21.9% | 24.29% | 26.88% | 22.13% | 24.99% | 26.48% | 42.42% | 36.98% | 39.32% | 46.91% | 36.99% | 38.13% | 40.84% |
| Total Revenue | 33.54M | 52.52M | 41.77M | 30.08M | 26.35M | 25.59M | 24.98M | 23.59M | 23.31M | 24.69M | 22.1M | 21.16M | 18.23M | 23.05M | 20.35M | 21.44M | 24.91M | 24.68M | 22.22M | 14.88M |
| Revenue Growth % | 27.31% | 105.23% | 67.23% | 27.52% | 13.04% | 3.65% | 13% | 11.49% | 27.86% | 7.13% | 8.64% | -1.34% | -26.81% | -6.63% | -8.45% | - | 67.32% | 105.73% | - | - |
| Non-Interest Expense | 0 | 23.65M | 17.2M | 14.91M | 14.32M | 14.19M | 14.05M | 13.22M | 12.01M | 11.98M | 9.73M | 10M | 9.04M | 10.22M | 8.47M | 11.02M | 9.05M | 8.37M | 7.4M | 6.66M |
| Efficiency Ratio | 0% | 45.04% | 41.18% | 49.58% | 54.35% | 55.45% | 56.25% | 56.04% | 51.51% | 48.53% | 44.03% | 47.26% | 49.58% | 44.35% | 41.62% | 51.39% | 36.33% | 33.92% | 33.29% | 44.76% |
| Operating Income | 3.8M | 5.49M | 6.41M | 5.43M | 4.44M | 3.69M | 4.61M | 4.18M | 4.51M | 5.81M | 6.5M | 6.28M | 5.22M | 9M | 7.12M | 7.27M | 12.65M | 13.53M | 11.18M | 7.22M |
| Operating Margin % | 11.32% | 10.45% | 15.35% | 18.04% | 16.84% | 14.42% | 18.46% | 17.71% | 19.35% | 23.54% | 29.41% | 29.66% | 28.66% | 39.05% | 34.97% | 33.89% | 50.78% | 54.81% | 50.31% | 48.49% |
| Operating Income Growth % | -14.38% | 48.66% | 39.04% | 29.89% | -1.62% | -36.49% | -29.06% | -33.43% | -13.7% | -35.41% | -8.66% | -13.65% | -58.69% | -33.47% | -36.35% | - | 75.25% | 127.88% | - | - |
| Pretax Income | 3.8M | 5.49M | 6.41M | 5.43M | 4.44M | 3.69M | 4.61M | 4.18M | 4.51M | 5.81M | 6.5M | 6.28M | 5.22M | 9M | 7.12M | 7.27M | 12.65M | 13.53M | 11.18M | 7.22M |
| Pretax Margin % | 11.32% | 10.45% | 15.35% | 18.04% | 16.84% | 14.42% | 18.46% | 17.71% | 19.35% | 23.54% | 29.41% | 29.66% | 28.66% | 39.05% | 34.97% | 33.89% | 50.78% | 54.81% | 50.31% | 48.49% |
| Income Tax | 1.06M | 1.57M | 1.52M | 1.33M | 1.25M | 898K | 1.16M | 998K | 1.19M | 1.66M | 1.7M | 1.64M | 1.36M | 2.45M | 3.46M | 1.79M | 3.21M | 3.42M | 2.74M | 1.93M |
| Effective Tax Rate % | 27.99% | 28.65% | 23.71% | 24.51% | 28.11% | 24.33% | 25.09% | 23.89% | 26.48% | 28.48% | 26.09% | 26.1% | 26.11% | 27.27% | 48.65% | 24.57% | 25.41% | 25.25% | 24.49% | 26.69% |
| Net Income | 2.73M | 3.92M | 4.89M | 4.1M | 3.19M | 2.79M | 3.45M | 3.18M | 3.31M | 4.16M | 4.8M | 4.64M | 3.86M | 6.54M | 3.65M | 5.48M | 9.43M | 10.11M | 8.44M | 5.29M |
| Net Margin % | 8.15% | 7.45% | 11.71% | 13.62% | 12.1% | 10.91% | 13.83% | 13.48% | 14.22% | 16.84% | 21.73% | 21.92% | 21.18% | 28.4% | 17.96% | 25.56% | 37.88% | 40.97% | 37.99% | 35.55% |
| Net Income Growth % | -14.24% | 40.17% | 41.6% | 28.84% | -3.8% | -32.81% | -28.1% | -31.44% | -14.14% | -36.49% | 31.47% | -15.4% | -59.07% | -35.27% | -56.72% | - | 78.3% | 119.04% | - | - |
| Net Income (Continuing) | 2.73M | 3.92M | 4.89M | 4.1M | 3.19M | 2.79M | 3.45M | 3.18M | 3.31M | 4.16M | 4.8M | 4.64M | 3.86M | 6.54M | 3.65M | 5.48M | 9.43M | 10.11M | 8.44M | 5.29M |
| EPS (Diluted) | 0.20 | 0.27 | 0.34 | 0.29 | 0.23 | 0.20 | 0.25 | 0.24 | 0.25 | 0.32 | 0.37 | 0.35 | 0.29 | 0.49 | 0.27 | 0.41 | 0.76 | 0.90 | 0.91 | 0.56 |
| EPS Growth % | -13.04% | 35% | 36% | 20.83% | -8% | -37.5% | -32.43% | -31.43% | -13.79% | -34.69% | 37.04% | -14.63% | -61.84% | -45.56% | -70.33% | - | 35.71% | 130.77% | - | - |
| EPS (Basic) | 0.21 | 0.30 | 0.36 | 0.31 | 0.24 | 0.21 | 0.26 | 0.25 | 0.26 | 0.33 | 0.38 | 0.36 | 0.30 | 0.51 | 0.28 | 0.43 | 0.80 | 0.95 | 0.97 | 0.60 |
| Diluted Shares Outstanding | 13.64M | 13.64M | 13.62M | 13.47M | 13.48M | 13.39M | 13.26M | 13.11M | 13.04M | 12.75M | 12.87M | 12.99M | 13.17M | 13.22M | 13.32M | 13.42M | 13.57M | 10.82M | 8.81M | 8.81M |