Finwise Bancorp (FINW) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	267.9M	151.0M	97.5M	86.6M	90.2M
Cost of Revenue	118.9M	58.9M	27.0M	21.6M	15.0M
Gross Profit	148.9M	92.1M	70.4M	65.0M	75.3M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	47.5M	44.2M	35.2M	25.8M	24.5M
General & Admin Expense	47.5M	44.2M	35.2M	25.8M	24.5M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	76.1M	26.2M	18.3M	15.4M	14.7M
Total Operating Expenses	123.6M	70.3M	53.5M	41.2M	39.2M
Cost and Expenses	242.5M	129.2M	80.5M	62.8M	54.2M
Operating Income (EBIT)	22.5M	21.8M	17.0M	23.8M	36.0M
Non-Operating
Interest Income	144.5M	92.5M	74.4M	64.5M	52.3M
Interest Expense	21.2M	20.3M	15.4M	10.0M	1.4M
Net Interest Income	123.3M	72.2M	58.9M	54.6M	50.9M
Other Non-Op Income/Expense	2.8M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	25.3M	21.8M	17.0M	23.8M	36.0M
Income Tax Expense	6.1M	5.7M	4.2M	6.4M	10.9M
Bottom Line
Net Income	18.8M	16.1M	12.7M	17.5M	25.1M
Earnings from Cont. Ops	19.2M	16.1M	12.7M	17.5M	25.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	18.8M	16.1M	12.4M	17.2M	24.9M
Per Share
Basic EPS	$1.43	$1.25	$0.98	$1.38	$1.96
Diluted EPS	$1.36	$1.13	$0.93	$1.33	$1.87
Revenue Per Share	$20.36	$11.77	$7.73	$6.93	$7.09
Shares
Basic Shares Outstanding	13.2M	12.8M	12.6M	12.5M	12.7M
Diluted Shares Outstanding	13.7M	13.6M	13.2M	12.9M	13.4M
Profitability Metrics
EBITDA	27.7M	26.6M	22.3M	27.6M	38.1M
D&A	2.4M	4.9M	5.3M	3.8M	2.1M
EBIT	25.3M	21.8M	17.0M	23.8M	36.0M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026