FinWise Bancorp reports FY2025 net income $16.1M, up 26%; Q4 originations $1.6B exceed guidance

Finwise Bancorp

2025-FY EPS reported $1.13

Q4 diluted EPS $0.27 vs $0.20 YoY; net interest margin 11.42% vs 10.00% YoY.
Full year loan originations $6.1B (+22% YoY); credit enhanced loans reached $118M at year end, ahead of guidance.
Provision for credit losses jumped to $17.7M in Q4 from $3.9M a year ago; net charge-offs $6.7M vs $3.2M.
Efficiency ratio improved to 50.5% from 64.2% a year ago; tangible book value per share $14.15 vs $13.15.
Nonperforming loans $43.7M (7.3% of held-for-investment loans) vs $36.5M (7.8%) a year ago.

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