FinWise Bancorp (FINW) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended June 2026, FinWise Bancorp (FINW) reported revenue of $54.34 million, up 116.8% over the same period last year. EPS came in at $0.15, compared to $0.29 in the year-ago quarter.

The reported revenue represents a surprise of +18.09% over the Zacks Consensus Estimate of $46.02 million. With the consensus EPS estimate being $0.24, the EPS surprise was -37.5%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how FinWise Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio: 53.1% versus the two-analyst average estimate of 61.6%.
• Net interest margin: 13.7% versus 13.4% estimated by two analysts on average.
• Total Interest Earning Assets: $842.31 million versus the two-analyst average estimate of $878.27 million.
• Net charge offs to average loans: 8.9% compared to the 6.4% average estimate based on two analysts.
• Total Non-Interest Income: $25.59 million versus $16.83 million estimated by two analysts on average.
• Net interest income: $28.75 million versus the two-analyst average estimate of $29.24 million.

View all Key Company Metrics for FinWise Bancorp here>>>

Shares of FinWise Bancorp have returned -3.7% over the past month versus the Zacks S&P 500 composite's +1.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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