The earnings call highlighted strong operational execution and growth in loan originations, revenue, and net income. New strategic partnerships are expected to further drive growth. However, challenges such as the impact of the government shutdown on SBA lending and an increase in credit loss provisions were noted.
Company Guidance
During the FinWise Bancorp Third Quarter 2025 Earnings Conference Call, the company reported strong financial performance, with loan originations reaching $1.8 billion, a 21% quarter-over-quarter increase, and credit enhanced balances growing to $41 million. The tangible book value per share rose to $13.84 from $13.51 in the prior quarter, reflecting ongoing shareholder value creation. Net income for the quarter was $4.9 million, a 19% increase from the previous quarter, with diluted earnings per share rising to $0.34. Net interest income increased to $18.6 million, and the net interest margin was at 9.01%. The company also announced new strategic program agreements with DreamFi and Tallied Technologies, expected to contribute significantly to credit enhanced balances, projecting a total of approximately $115 million by year-end. Despite some challenges due to a government shutdown impacting SBA lending operations, the company remained focused on disciplined growth and operational excellence. The call highlighted FinWise's strategic execution and commitment to long-term value creation, with expectations for continued growth in credit enhanced loan balances and strategic program loans in 2026.
Strong Loan Originations
Loan originations reached $1.8 billion, marking a 21% increase quarter-over-quarter and a 24% increase year-over-year.
Significant Revenue and Net Income Growth
Net income increased by 19% from the previous quarter and 42% year-over-year, with diluted earnings per share rising to $0.34.
New Strategic Agreements
Announced agreements with DreamFi and Tallied Technologies, expected to bring substantial credit enhanced portfolio balances.
Increase in Tangible Book Value
Tangible book value per share increased to $13.84 from $13.51, reflecting ongoing value creation for shareholders.
FinWise (FINW) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FINW Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 29, 2025
$17.82
$18.66
+4.71%
Jul 24, 2025
$15.66
$17.29
+10.41%
Apr 30, 2025
$15.12
$14.55
-3.77%
Jan 30, 2025
$16.62
$18.53
+11.49%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does FinWise (FINW) report earnings?
FinWise (FINW) is schdueled to report earning on Feb 04, 2026, After Close (Confirmed).
What is FinWise (FINW) earnings time?
FinWise (FINW) earnings time is at Feb 04, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.