Finwise Bancorp
FINWNasdaqFinancials · State Commercial Banks · UT · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $16.1M | $12.7M | $17.5M | $25.1M | $31.6M |
| Total assets | $977.1M | $746.0M | $586.2M | $400.8M | $380.2M |
| Total liabilities | $783.9M | $572.3M | $431.2M | $260.3M | $264.8M |
| Equity | $193.2M | $173.7M | $155.1M | $140.5M | $115.4M |
| EPS (diluted) | $1.13 | $0.93 | $1.33 | $1.87 | $3.27 |
| Shares out. | 13.2M | 12.8M | 12.8M | 12.8M | 12.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 8.3%
- Return on assets
- 1.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 80.2%
- Debt / equity
- 4.06×
- Book value / share
- $14.62
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 26.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 4.6%clean
- Piotroski F-Score
- 1/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 2 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 15, 2023
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wasatch Advisors LpPassive (13G)Feb 11, 2026
- Alliancebernstein L.P.Passive (13G)May 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Arias Juan CarlosOfficer — See Remarks | May 28, 2026 | Tax withholding | 285 | $14.24 |
| Clayton Natasha LauretteOfficer — See Remarks | May 28, 2026 | Tax withholding | 1,728 | $14.24 |
| Thiessens Richard | May 28, 2026 | Tax withholding | 1,759 | $14.24 |
| Wahlman Robert E.Officer — EVP, Chief Financial Officer | May 28, 2026 | Tax withholding | 3,067 | $14.24 |
| Wahlman Robert E.Officer — EVP, Chief Financial Officer | May 27, 2026 | Tax withholding | 3,918 | $14.00 |
| Arias Juan CarlosOfficer — See Remarks | May 27, 2026 | Tax withholding | 348 | $14.00 |
| Clayton Natasha LauretteOfficer — See Remarks | May 27, 2026 | Tax withholding | 1,961 | $14.00 |
| Thiessens Richard | May 27, 2026 | Tax withholding | 1,995 | $14.00 |
| Stines Andrew GOfficer — See Remarks | Mar 31, 2026 | Grant | 19,072 | $15.73 |
| Weichselbaum AlanDirector | Mar 31, 2026 | Grant | 3,179 | $15.73 |
| Ehrlich SusanDirector | Mar 31, 2026 | Grant | 1,589 | $15.73 |
| Reynolds Howard IDirector | Mar 31, 2026 | Grant | 3,189 | $15.73 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 111,207 | 4.2 | -3.2% |
| Apr 30, 2026 | 114,831 | 8.7 | +3.5% |
| Apr 15, 2026 | 110,890 | 11.2 | +3.6% |
| Mar 31, 2026 | 107,079 | 7.6 | -14.4% |
| Mar 13, 2026 | 125,147 | 10.8 | +27.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 21, 2026
- Results of operations · Regulation FD disclosureApr 30, 2026
- Director / officer change · Regulation FD disclosureApr 8, 2026
- Regulation FD disclosureMar 26, 2026
- Results of operations · Regulation FD disclosureJan 29, 2026
- Results of operations · Regulation FD disclosureOct 29, 2025
- Results of operations · Regulation FD disclosureJul 24, 2025
- Regulation FD disclosureJun 30, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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