{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-26-000008","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2026-03-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.571094+00:00","generated_at":"2026-05-15T08:53:27.566788+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FinWise Q4 net income $3.9M, revenue $46.9M; full-year EPS $1.13; new fintech products","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-26-000008","json":"https://secwatch.observer/filing/0001856365-26-000008.json","markdown":"https://secwatch.observer/filing/0001856365-26-000008.md","text":"https://secwatch.observer/filing/0001856365-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000008/0001856365-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000008/finw-20260326.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T08:53:27.566788+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}