FinWise Bancorp (FINW)

FinWise Bancorp's stock experienced notable events in the past six months, including a reported 78% stock surge. In Q1 2025, the EPS was $0.23, missing expectations by 8.00%. In Q2 2025, the EPS was $0.29, surpassing estimates by 26.09%, with loan originations increasing to $1.5 billion. A strategic lending agreement with Backd was announced in April 2025. Q3 2025 saw an EPS of $0.34, beating estimates by 13.33%, with net income increasing and loan originations reaching $1.8 billion. Following Q3, new strategic program agreements were announced with DreamFi and Tallied Technologies. The stock price decreased by 4.04% over the last 12 months but increased by 0.56% in the past month.

Demand for FinWise Bancorp's products and services can be seasonal, with an expected deceleration in originations from its largest student lending partner during the fourth quarter. Fewer business days due to holidays can also impact origination volumes, and quarterly SBA 7(a) loan originations typically reflect third-quarter seasonality.

FinWise Bancorp (FINW) is a Utah bank holding company operating through FinWise Bank, providing banking and payments solutions to fintech brands via a scalable API-driven infrastructure. It offers deposit, lending, and payments programs, including a Credit Enhanced Balance Sheet Program. Beyond fintech, FinWise manages SBA 7(a) loans, Owner Occupied Commercial Real Estate loans, and Leasing, while expanding into Payments (MoneyRails™) and BIN Sponsorship. Its products include deposit accounts and various loans, along with debit cards, remote deposit capture, online and mobile banking, direct deposit services, and business accounts with cash management and treasury services.

FinWise Bancorp is headquartered in Murray, Utah, with a full-service banking location in Sandy, Utah, and a loan production office in Rockville Centre, New York. While its commercial and residential real estate lending is concentrated around Salt Lake City, Utah, FinWise operates nationwide, accepting deposits from consumers and small businesses across the United States through third-party loan origination relationships.

FinWise Bancorp has maintained a positive brand reputation, being ranked #2 by American Banker in June 2024 among top-performing publicly traded banks with under $2 billion of assets. This ranking was based on a three-year ROAE of 27% as of December 31, 2023, exceeding the peer median. The company's focus on compliance oversight and risk management contributes to its favorable position in the fintech sector.

FinWise Bancorp has a mix of institutional and individual owners, including BNP Paribas Financial Markets, Bridgeway Capital Management LLC, Vanguard Group Inc., and Alliancebernstein L.P. Recent changes in Q3 2024 show Wasatch Advisors LP and Alliancebernstein L.P. increasing their holdings, while Gilder Gagnon Howe & Co LLC, Millennium Management LLC, Jane Street Group, LLC, and Citadel Advisors LLC reduced their positions.