---
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"
generated_at: "2026-05-15T08:53:27.566788+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001856365-26-000008
- JSON: https://secwatch.observer/filing/0001856365-26-000008.json
- Plain text: https://secwatch.observer/filing/0001856365-26-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.