The earnings call highlighted strong growth in loan originations and SBA lending, as well as improved efficiency. However, it also noted challenges such as increased provisions for credit losses and a decline in net interest margin. Despite these challenges, the company's inclusion in the Russell 2000 Index and strategic program successes suggest a positive outlook.

Company Guidance -

Q3 2025

During the FinWise Bancorp Second Quarter 2025 Earnings Conference Call, the management provided guidance on several key metrics and strategic initiatives. The company reported a tangible book value per share increase to $13.51 from $13.42 in the previous quarter. Loan originations totaled $1.5 billion, marking a 17% increase quarter-over-quarter and a 27% increase year-over-year. The company anticipates its credit enhanced assets to reach $50 million to $100 million by the end of 2025, with credit enhanced balances already at $12 million by the end of Q2. FinWise also highlighted the growth potential from its SBA lending, with a 24% quarter-over-quarter increase, and a 140% increase from the same quarter last year. The company forecasts a gradual growth trajectory through 2025 and 2026, driven by new products and programs. They expect their return on average equity to rebound to the low to mid-teens and return on average assets to exceed 2% by 2027, leveraging benefits from infrastructure investments and the potential integration of artificial intelligence to enhance operating leverage.

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.

Growth in SBA Lending

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

Net Income and Efficiency

Net income for Q2 was $4.1 million or $0.29 per diluted common share. The efficiency ratio improved to 59.5% from 64.8% in the prior quarter.

Strategic Program Success

The addition of programs announced in late 2024 contributed to a significant increase in origination volumes.

Inclusion in Russell 2000 Index

FinWise Bancorp's stock was added to the U.S. Small Cap Russell 2000 Index, reflecting market confidence.

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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