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Finwise Bancorp (NASDAQ:FINW)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
13.08-0.17 (-1.28%)
Market cap
$182M
Insider Score
Health Score
Analyst consensus
Listed since
Nov 19, 2021
Website
Insider Score
82/ 100
FINW Insider Score
Bullish1 qualifying trade · 1 insider · $53.44K bought in the last 90 days
Financial Health Score
Fair
From FINW’s reported statements · Q3 2026 (trailing 12 months) · 4 of 5 pillars
Profitability14 / 20
Profitable, but on a thin margin.
- Revenue
- $267.9M
- Net income
- $18.8M
- Net margin
- 7.0%
Leverage20 / 20
Little or no net debt.
- Total debt
- $0
- Cash
- $8.8M
- Net debt / EBITDA
- -0.32x
Liquidity—
Current assets or liabilities not reported.
- Current assets
- $8.8M
- Current liabilities
- $0
- Current ratio
- —
Cash generation0 / 20
Consumes cash and must keep raising it.
- Operating cash flow
- -$1.33B
- Free cash flow
- -$1.33B
- FCF margin
- -497.8%
Dilution & runway0 / 20
Burning cash with under a year of runway — expect a raise.
- Shares outstanding
- 13.2M
- Share growth (1y)
- 2.3%
- Cash runway
- 0 months
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FINW Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 107.60 M | 59.57 M | 48.17 M | 52.52 M | 41.77 M | 30.08 M |
| Revenue Growth (YoY) | 157.60 % | 98.06 % | 82.83 % | 105.23 % | 67.23 % | 27.52 % |
| Cost of Revenue | 51.60 M | 27.91 M | 16.03 M | 23.38 M | 18.16 M | 9.74 M |
| Gross Profit | 56.00 M | 31.67 M | 32.14 M | 29.14 M | 23.61 M | 20.34 M |
| SG&A Expense | 12.92 M | 11.48 M | 11.46 M | 11.59 M | 12.53 M | 10.49 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 42.74 M | 28.86 M | 28.34 M | 23.65 M | 17.20 M | 14.91 M |
| Operating Income | 10.42 M | 2.80 M | 3.80 M | 5.49 M | 6.41 M | 5.43 M |
| Pretax Income | 13.25 M | 2.80 M | 3.80 M | 5.49 M | 6.41 M | 5.43 M |
| Tax Provision | 2.83 M | 672.00 K | 1.06 M | 1.57 M | 1.52 M | 1.33 M |
| Net Income | 10.05 M | 2.13 M | 2.73 M | 3.92 M | 4.89 M | 4.10 M |
| EPS (Basic) | 0.76 | 0.16 | 0.21 | 0.30 | 0.36 | 0.31 |
| EPS (Diluted) | 0.74 | 0.15 | 0.20 | 0.27 | 0.34 | 0.29 |
| Shares Outstanding | 13.15 M | 13.11 M | 13.02 M | 12.95 M | 12.86 M | 12.78 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.