FinWise Q4 net income $3.9M, revenue $46.9M; full-year EPS $1.13; new fintech products

Finwise Bancorp

Net income $3.9M in Q4 2025, up from $2.8M YoY; full-year net income $16.1M ($1.13 EPS), up from $12.7M ($0.93 EPS).
Total operating revenue $46.9M Q4, $130.7M FY; net interest margin 11.42% Q4; efficiency ratio improved to 50.5% from 64.2%.
Credit enhanced lending fully launched mid-2025; credit enhanced balances grew to $108.1M at year-end.
Tangible book value per share $14.15, up from $13.15 a year ago; total assets $977.1M, up 31% YoY.
Q4 net income impacted by $1.1M after-tax charge from refinement of servicing standards leading to higher charge-offs.

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