FinWise Bancorp Q4 2024 net income $2.8M ($0.20 EPS); full year EPS $0.93; NPLs rise to 7.8%

Finwise Bancorp

2024-FY EPS reported $0.93

Net income $2.8M in Q4 2024, down from $4.2M in Q4 2023; diluted EPS $0.20 vs $0.32.
Full year 2024 net income $12.7M ($0.93 EPS) vs $17.5M ($1.33 EPS) in 2023.
Loan originations $1.3B in Q4, $5.0B for 2024; net interest margin 10.0% up from 9.7% prior quarter.
Nonperforming loans totaled $36.4M (7.8% of loans HFI) vs $30.6M (7.1%) in Q3; net charge-offs $3.2M.
Announced four new lending programs and two new payments/credit card programs to diversify revenue.

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