FinWise Bancorp Q4 net interest income rises

Finwise Bancorp

29/01/2026 21:22

Overview

Utah bank's Q4 loan originations totaled $1.6 bln, up from prior year

Net income for Q4 was $3.9 mln, up from prior year

Net interest income rose to $24.6 mln, driven by credit enhanced balances

Outlook

Company expects continued long-term value delivery for shareholders

FinWise anticipates efficiency ratio improvement due to credit enhanced loan revenues

Result Drivers

SEASONALITY IMPACT - Q4 loan originations decreased from Q3 due to seasonal variations in student loan programs

CREDIT ENHANCED BALANCES - Increase in net interest income driven by growth in credit enhanced balances

HIGHER PROVISION FOR CREDIT LOSSES - Increase due to growth in credit enhanced loan portfolio and conservative servicing standards

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.27
Q4 Net Income
$3.90 mln
Q4 Net Interest Income
$24.60 mln
Q4 Loan Loss Provision
-$17.70 mln
Q4 Net Interest Margin
11.42%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Finwise Bancorp is $22.00, about 20.6% above its January 28 closing price of $18.24

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 13 three months ago

Press Release: ID:nGNX7XK9Vg

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)