FinWise Bancorp (NAS:FINW)

Q4 2025 Finwise Bancorp Earnings Call Transcript

Jan 29, 2026 / 10:00 PM GMT

Release Date Price: $18.45 (+1.15%)

Transcript 8-K

Key Points

Positve

FinWise Bancorp (FINW) reported a strong 26% growth in net income for 2025, demonstrating the effectiveness of its multi-year investments.
The company exceeded its loan origination guidance for Q4 2025, achieving $1.6 billion against an expected $1.4 billion.
FinWise Bancorp (FINW) experienced a significant uptake in its credit-enhanced product, ending the quarter with balances of $118 million, surpassing initial guidance.
The company's net interest margin increased to 11.42% from 9.01% in the prior quarter, driven by growth in the credit-enhanced loan portfolio.
FinWise Bancorp (FINW) continues to generate solid balance sheet growth, with total end-of-period assets reaching $977 million.

Negative

Quarterly net charge-offs increased to $6.7 million in Q4, up from $3.1 million in the prior quarter, impacting profitability.
Provision for loan losses rose to $17.7 million for Q4, driven by growth in the credit-enhanced loan portfolio and higher net charge-offs.
Non-interest expense increased to $23.7 million from $17.4 million in the prior quarter, primarily due to credit enhancement guarantee and servicing expenses.
SBA loan originations decreased quarter over quarter due to extended SBA processing delays and government shutdown impacts.
The efficiency ratio rose to 50.5% from 47.6% in the prior quarter, indicating increased operational costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FINW.OQ - Finwise Bancorp
Q4 2025 Finwise Bancorp Earnings Call
Jan 29, 2026 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Greetings and welcome to the FinW Bank Corp 4th quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation.

If anyone should require operator assistance, please.

Press 0 on your telephone keypad. Also note that this conference is being recorded.

It's now my pleasure to turn the conference over to Juan Arias.

Thank you. Maybe again.

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Unidentified_2 [2]
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Good afternoon and thank you for joining us today for FinW Bancorp's

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