← Finwise Bancorp FINW
Market Price
$13.93
Market Cap
$189.83M
P/E Ratio
12.33
Revenue (FY 2025)
↑55.9% YoY
$150.96M
3-Yr CAGR: 18.9%
Net Income
↑26.3% YoY
$16.09M
Net Margin: 10.7%
Free Cash Flow
↓-70.5% YoY
-$33.72M
FCF Yield: -17.77%
EPS (Diluted)
↑21.5% YoY
$1.13
Basic: $1.20
Return on Equity
Efficiency
8.3%
ROA: 1.6%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (FINW)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2021 | $49.2M | — | $19.7M | $31.6M | — | $3.27 | — | $-9.2M | $-9.2M | — |
| FY 2022 | $89.7M | +82.2% | $51.0M | $25.1M | -20.5% | $1.87 | -42.8% | $61.2M | $53.9M | +684.3% |
| FY 2023 | $85.6M | -4.6% | $45.4M | $17.5M | -30.5% | $1.33 | -28.9% | $12.3M | $4.8M | -91.1% |
| FY 2024 | $96.8M | +13.1% | $44.0M | $12.7M | -27.0% | $0.93 | -30.1% | $-15.0M | $-19.8M | -511.5% |
| FY 2025 | $151.0M | +55.9% | $80.6M | $16.1M | +26.3% | $1.13 | +21.5% | $-28.4M | $-33.7M | -70.5% |
Valuation
Market Price
$13.93
Market Cap
$189.83M
Enterprise Value
N/A
P/E Ratio
12.33
P/B Ratio
0.99
FCF Yield
-17.77%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
53.41%
Operating Margin
14.41%
Net Margin
10.66%
Return on Equity (ROE)
8.33%
Return on Assets (ROA)
1.65%
Asset Turnover
0.15x
Revenue 3-Yr CAGR
18.93%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$163.40M
Total Debt
N/A
Book Value / Share
$14.10
Cash Flow Efficiency
Operating Cash Flow
-$28.42M
Capital Expenditures (CapEx)
$5.30M
Free Cash Flow
-$33.72M
OCF / Revenue
-18.83%
FCF / Revenue
-22.34%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$1.13
EPS (Basic)
$1.20
Dividends / Share
N/A
Book Value / Share
$14.10
EPS YoY Growth
21.51%
Balance Sheet (FY 2025)
Total Assets
$977.13M
Total Liabilities
$783.94M
Stockholders' Equity
$193.19M
Current Assets
N/A
Current Liabilities
N/A