secwatch.observer — SEC 8-K summary
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Issuer:     Finwise Bancorp (FINW)
CIK:        0001856365
Form:       8-K
Filed at:   2026-03-26T23:59:59+00:00
Accession:  0001856365-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1856365/000185636526000008/0001856365-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1856365/000185636526000008/finw-20260326.htm
  HTML page:      https://secwatch.observer/filing/0001856365-26-000008

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