FinWise Bancorp (NAS:FINW)

Q1 2026 Finwise Bancorp Earnings Call Transcript

Apr 30, 2026 / 09:00 PM GMT

Release Date Price: $15.55 (-2.35%)

Transcript 10-Q8-K

Key Points

Positve

FinWise Bancorp (FINW) reported strong loan originations of $1.7 billion for the first quarter, marking a 38% year-over-year increase.
The company successfully grew its credit-enhanced portfolio from virtually zero to over $100 million in under a year.
Net interest income increased to $28.1 million from the prior quarter's $24.6 million, driven by changes in credit-enhanced loan estimates and increased average balances.
FinWise Bancorp (FINW) maintained a strong capital position with a bank leverage ratio of 16.8%, nearly double the well-capitalized minimum requirement.
The company is expanding its fintech partnerships, with a strong pipeline of new partners and products, including cards and payments.

Negative

FinWise Bancorp (FINW) experienced an earnings shortfall due to increased charge-offs in its SBA portfolio, particularly from legacy credits.
Net charge-offs rose to $9.4 million in Q1, up from $6.7 million in the prior quarter, with expectations for elevated charge-offs to continue.
Non-interest income declined to $14.6 million from the prior quarter's $22.3 million, impacted by lower credit-enhanced income and gain on sale revenue.
The company's efficiency ratio increased to 66.3% from 50.5% in the prior quarter, partly due to changes in credit-enhanced loan accounting.
Total assets decreased to $899.4 million from $977.1 million in the prior quarter, primarily due to decreases in interest-bearing deposits.

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

FINW.OQ - Finwise Bancorp
Q1 2026 Finwise Bancorp Earnings Call
Apr 30, 2026 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Greetings and welcome to the FinWise Bancorp First Quarter 2026 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. As a reminder, this conference is being recorded. It is now my pleasure to introduce the FinWise team. Please go ahead.

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Unidentified_2 [2]
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Good afternoon, and thank you for joining us today for FinWife Bankrupt's first quarter 2026 earnings conference call.

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