The earnings call reflects a strong performance in loan origination and SBA lending growth, alongside an increase in net income and inclusion in the Russell 2000 Index. However, challenges such as increased net charge-offs, higher provisions for credit losses, a decline in net interest margin, and a rise in non-performing assets indicate some areas of concern.

Company Guidance

During the FinWise Bancorp Second Quarter 2025 Earnings Conference Call, the company provided guidance on several key metrics and strategic initiatives. The tangible book value per share increased to $13.51 from $13.42 in the previous quarter. Loan originations totaled $1.5 billion in Q2, marking a 17% increase quarter-over-quarter and a 27% increase year-over-year. The company expects credit-enhanced assets to reach $50 million to $100 million by the end of Q4 2025. Return on average equity is anticipated to rebound to the low to mid-teens by 2027, with a return on average assets exceeding 2%. The provision for credit losses was $4.7 million, up from $3.3 million in Q1, with net charge-offs at $2.8 million versus $2.2 million prior. FinWise also reported strong demand and performance in SBA lending, equipment leasing, and commercial real estate products. Additionally, the bank's net interest margin declined to 7.81% from 8.27%, reflecting changes in loan and deposit balances. The company plans to leverage artificial intelligence for operational efficiencies and aims to drive sustainable positive operating leverage, targeting a long-term reduction in the efficiency ratio.

Strong Loan Originations

Loan originations totaled $1.5 billion in Q2, marking a 17% increase quarter-over-quarter and a 27% increase from the same quarter last year.

SBA Lending Growth

Quarterly SBA 7(a) loan originations increased by 24% quarter-over-quarter and over 140% from the same quarter last year.

Inclusion in Russell 2000 Index

FinWise's publicly traded stock was recently added to the U.S. Small Cap Russell 2000 Index.

Increased Net Income

Reported net income of $4.1 million or $0.29 per diluted common share, driven by strong originations and net interest income.

Fee Income Growth

Fee income increased to $10.3 million in the quarter from $7.8 million in the prior quarter.

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

Daily Earnings Calendar >

FINW Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.30 / -	0.25	―	―	―
Jul 24, 2025	2025 (Q2)	0.23 / 0.29	0.24	20.83% (+0.05)	―
Apr 30, 2025	2025 (Q1)	0.26 / 0.23	0.25	-8.00% (-0.02)
Jan 30, 2025	2024 (Q4)	0.20 / 0.20	0.32	-37.50% (-0.12)
Oct 24, 2024	2024 (Q3)	0.21 / 0.25	0.37	-32.43% (-0.12)	―
Jul 25, 2024	2024 (Q2)	0.18 / 0.24	0.35	-31.43% (-0.11)	―
Apr 29, 2024	2024 (Q1)	0.23 / 0.25	0.29	-13.79% (-0.04)	―
Jan 29, 2024	2023 (Q4)	0.31 / 0.32	0.49	-34.69% (-0.17)
Oct 26, 2023	2023 (Q3)	0.24 / 0.37	0.27	37.04% (+0.10)	―
Jul 27, 2023	2023 (Q2)	0.17 / 0.35	0.41	-14.63% (-0.06)	―

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
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%
Oct 24, 2024	$16.05	$16.06	+0.06%

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 Oct 23, 2025, After Close (Confirmed).

What is FinWise (FINW) earnings time?

FinWise (FINW) earnings time is at Oct 23, 2025, 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.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FINW EPS forecast?

FINW EPS forecast for the fiscal quarter 2025 (Q3) is 0.3.

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