Group 1 - FinWise Bancorp (FINW) shares have increased by 0.4% over the past four weeks, closing at $17.51, with a mean price target of $22.67 indicating a potential upside of 29.5% [1] - The mean estimate includes three short-term price targets with a standard deviation of $1.53, where the lowest estimate is $21.00 (19.9% increase) and the highest is $24.00 (37.1% increase) [2] - Analysts show strong agreement in revising earnings estimates higher, which correlates with potential stock price movements, as indicated by a 6.1% increase in the Zacks Consensus Estimate for the current year [4][12] Group 2 - The Zacks Rank for FINW is 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimates, suggesting a strong potential upside [13] - While price targets are often viewed as unreliable indicators, the direction implied by these targets may serve as a useful guide for investors [14]

Management emphasized growth in its credit-enhanced product, positioning it as a core part of a “lower-risk asset growth strategy.” FinWise ended the quarter with $118 million in credit-enhanced balances, topping both the $115 million outlook provided on the third-quarter call and initial guidance of $50 million to $100 million.Landvatter attributed fourth-quarter origination performance to strong production from established partners and a continued ramp in programs launched in recent years. He noted these ...

FinWise Bancorp (FINW) came out with quarterly earnings of $0.27 per share, missing the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.2 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -22.86%. A quarter ago, it was expected that this company would post earnings of $0.3 per share when it actually produced earnings of $0.34, delivering a surprise of +13.33%.Over the last four quarters, the company ...

Financial Data and Key Metrics Changes - FinWise Bancorp reported a net income growth of 26% for 2025, with a fourth-quarter net income of $3.9 million and diluted earnings per share of $0.27 [4][17] - Net interest income increased to $24.6 million from $18.6 million in the prior quarter, with a net interest margin rising to 11.42% compared to 9.01% [19] - Non-interest income grew to $22.3 million from $18 million in the previous quarter, primarily due to increases in credit enhancement income [20] Business Line Data and Key Metrics Changes - Loan originations for Q4 totaled $1.6 billion, exceeding guidance of $1.4 billion, bringing full-year originations to $6.1 billion, a 22% year-over-year growth [4][22] - Credit-enhanced product balances reached $118 million, surpassing the $115 million outlook [6] - SBA loan originations decreased quarter-over-quarter due to processing delays, but the environment normalized post-government reopening [15][16] Market Data and Key Metrics Changes - Average interest-bearing deposits rose to $567.4 million from $523.9 million, driven by increased certificates of deposit and non-interest-bearing demand deposits [22] - The company anticipates a quarterly run rate of approximately $1.4 billion in loan originations for Q1 2026, with a projected 5% growth for the full year [22][23] Company Strategy and Development Direction - The company is focused on building durable, long-term growth through strategic partnerships and expanding its credit-enhanced loan portfolio [9][10] - FinWise is exploring AI opportunities to enhance efficiency and automation while safeguarding sensitive data [9][70] - The company aims to maintain a disciplined approach to expense management while pursuing growth opportunities [4][21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the stability of credit trends and the overall performance of the portfolio [11] - The company expects a gradual moderation in non-performing loan migration, with proactive measures taken to manage risk [24][25] - Management views the current economic environment as stable, with solid demand for SBA loans despite recent originations being affected by timing delays [29] Other Important Information - The increase in net charge-offs for Q4 was attributed to refined servicing standards, which are expected to be a one-time event [12][68] - The company is committed to maintaining a positive operating leverage ratio, with revenues expected to grow faster than expenses [65] Q&A Session Summary Question: Opportunities to lower CD funding costs - Management indicated that CD funding costs are tied to wholesale funding and will decrease gradually as the Fed reduces interest rates [26][27] Question: Progression of MoneyRails and BIN Sponsorship potential - Management remains confident in the BIN payments strategy, although timing may be pushed out beyond initial expectations [28] Question: SBA business outlook and originations - Management noted solid demand for SBA loans, with a slight decrease in originations due to timing delays rather than demand issues [29] Question: Surge in non-interest-bearing deposits - The surge was attributed to strategic partners facilitating student loans, requiring collateral deposits [36] Question: Recontracting process with existing partners - Management reported a historically smooth recontracting process, with no significant concerns regarding upcoming renewals [40][41] Question: Impact of fintech obtaining bank charters - Management believes that not all fintechs will benefit from a banking charter, as it may not align with their business models [42][43] Question: Cross-selling products with existing partners - Management highlighted the potential for cross-selling products with existing partners, noting that it does not require the same scale as standalone products [46][47] Question: Clarification on the impact of servicing and administrative standards - The increased provision related to servicing changes was a one-time event, costing approximately $0.08 in earnings per share [68] Question: Examples of AI usage - Management is utilizing AI for coding, quality assurance, and compliance, with a focus on enhancing operational efficiency [70][71]

FinWise Bancorp (NasdaqGM:FINW) Q4 2025 Earnings call January 29, 2026 05:00 PM ET Company ParticipantsAndrew Terrell - Managing DirectorBob Wahlman - CFOJim Noone - CEO of BankJuan Arias - Head of Investor RelationsKent Landvatter - Chairman and CEOConference Call ParticipantsAnya Pelshaw - AnalystJoe Yanchunis - Senior AnalystOperatorGreetings, and welcome to the FinWise Bancorp fourth quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. A question-and-answer se ...

Financial Data and Key Metrics Changes - FinWise Bancorp reported a net income of $3.9 million for Q4 2025, with diluted earnings per share of $0.27, reflecting a 26% year-over-year growth in net income [4][16] - Net interest income increased to $24.6 million from $18.6 million in the prior quarter, driven by growth in credit-enhanced balances [17][18] - The net interest margin rose to 11.42% compared to 9.01% in the previous quarter, primarily due to the growth in the credit-enhanced loan portfolio [18] - Non-interest income was $22.3 million, up from $18 million in the prior quarter, mainly due to increases in credit enhancement income [19] Business Line Data and Key Metrics Changes - Loan originations totaled $1.6 billion in Q4, exceeding guidance of $1.4 billion, bringing full-year originations to $6.1 billion, a 22% increase year-over-year [4][5] - The credit-enhanced product saw balances of $118 million, surpassing the $115 million outlook [5] - Quarterly net charge-offs were $6.7 million, up from $3.1 million in the prior quarter, influenced by updated servicing standards [11] Market Data and Key Metrics Changes - The SBA loan originations decreased quarter-over-quarter due to processing delays from staffing cuts at the SBA and the government shutdown [13][15] - The total non-performing loan (NPL) balance was $43.7 million at the end of the quarter, with a modest increase of less than $1 million [12] Company Strategy and Development Direction - The company is focused on building durable, long-term growth by pursuing opportunities that enhance future value, including strategic partnerships and the integration of AI technologies [8][9] - FinWise aims to expand its credit-enhanced loan portfolio while managing risk through disciplined approaches to expense management and operational efficiency [4][20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the outlook ahead, emphasizing the stability of credit trends and the potential for continued growth in loan originations [10][22] - The company anticipates a gradual moderation in NPL migration and expects to maintain a stable SBA portfolio while continuing to grow the credit-enhanced segment [22][56] Other Important Information - The company is actively exploring AI opportunities to drive efficiency and automation across various functions, including compliance and operations [8][66] - The efficiency ratio for the quarter was reported at 50.5%, compared to 47.6% in the prior quarter, indicating a focus on sustainable operating leverage [20] Q&A Session Summary Question: Opportunities to lower CD funding costs - Management indicated that CD funding costs are tied to wholesale funding rates, which may decrease gradually as the Fed lowers interest rates [25] Question: Progression of MoneyRails and BIN Sponsorship potential - Management remains confident in the BIN payments strategy, although the timing may extend beyond initial expectations [26] Question: SBA business outlook and originations - Management noted solid demand for SBA loans, with a slight decrease in originations due to timing delays rather than demand issues [28] Question: Surge in non-interest-bearing deposits - The increase in deposits was attributed to strategic partners preparing for higher student loan volumes, which are expected to decrease as origination volumes normalize [34] Question: Recontracting process with partners - Management reported a historically positive recontracting process, with no significant concerns regarding upcoming contract renewals [39] Question: Impact of fintech obtaining bank charters - Management believes that not all fintechs will benefit from obtaining a bank charter, as it may not align with their business models [41] Question: Cross-selling products with existing partners - Management highlighted the potential for cross-selling products to existing partners, which does not require the same scale as standalone products [45]

January 2026 Disclaimers "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 This presentation may contain forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect the Company's current views with respect to, among other things, the Company's strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and resul ...

- Net Income of $16.1 Million for 2025, including $3.9 Million for Fourth Quarter - - Diluted Earnings Per Share of $1.13 for 2025, including $0.27 for Fourth Quarter - Exhibit 99.1 FINWISE BANCORP REPORTS FOURTH QUARTER AND FULL YEAR 2025 RESULTS - Loan Originations of $6.1 Billion for 2025, including $1.6 Billion for Fourth Quarter - MURRAY, UTAH — January 29, 2026 (GLOBE NEWSWIRE) — FinWise Bancorp (NASDAQ: FINW) ("FinWise" or the "Company"), parent company of FinWise Bank (the "Bank"), today announced r ...

- Loan Originations of $6.1 Billion for 2025, including $1.6 Billion for Fourth Quarter - - Net Income of $16.1 Million for 2025, including $3.9 Million for Fourth Quarter - - Diluted Earnings Per Share of $1.13 for 2025, including $0.27 for Fourth Quarter - MURRAY, Utah, Jan. 29, 2026 (GLOBE NEWSWIRE) -- FinWise Bancorp (NASDAQ: FINW) (“FinWise” or the “Company”), parent company of FinWise Bank (the “Bank”), today announced results for the quarter and fiscal year ended December 31, 2025. Fourth Quarter 202 ...

Core Viewpoint - FinWise Bancorp will report its fourth quarter and full year 2025 financial results on January 29, 2026, and will host a conference call and webcast to discuss these results [1]. Conference Call Information - The conference call is scheduled for 5:00 p.m. ET on January 29, 2026, with dial-in numbers provided for both toll-free and international participants [2]. - Participants are encouraged to dial in 10 minutes prior to the start time [2]. Webcast Information - The webcast will be available on the Company's website, and a replay will be accessible for six months following the call [3]. Submission of Conference Call Questions - The Company will accept questions submitted via email prior to the conference call, in addition to live questions from analysts [4]. About FinWise Bancorp - FinWise Bancorp provides Banking and Payments solutions to fintech brands, leveraging a scalable API-driven infrastructure for its Strategic Program Lending business [5]. - The Company offers a Credit Enhanced Balance Sheet Program to help diversify funding sources and manage capital efficiency for lending and card programs [5]. - FinWise also manages various Lending programs, including SBA 7(a), Owner Occupied Commercial Real Estate, and Leasing, while expanding its business model to include Payments and BIN Sponsorship offerings [5]. - The Company emphasizes compliance oversight and risk management to assist fintechs in meeting regulatory requirements [5].