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Compared to Estimates, FinWise Bancorp (FINW) Q3 Earnings: A Look at Key Metrics
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For the quarter ended September 2026, FinWise Bancorp (FINW - Free Report) reported revenue of $57.35 million, up 56.4% over the same period last year. EPS came in at $0.76, compared to $0.34 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $41.62 million, representing a surprise of +37.79%. The company delivered an EPS surprise of +300%, with the consensus EPS estimate being $0.19.
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:
Net interest margin: 19.6% compared to the 13.8% average estimate based on three analysts.
Net charge offs to average loans: 6.9% versus 5.8% estimated by three analysts on average.
Efficiency ratio: 41.6% versus the three-analyst average estimate of 74.6%.
Total Nonperforming Assets: $37.1 million compared to the $40.61 million average estimate based on two analysts.
Non-Performing Loans: $37.13 million versus the two-analyst average estimate of $40.61 million.
Total Interest Earning Assets: $860.98 million versus the two-analyst average estimate of $884.44 million.
Net interest income: $41.92 million versus $30.36 million estimated by three analysts on average.
Total Non-Interest Income: $60.83 million versus $11.27 million estimated by three analysts on average.
Non-interest Income- Other miscellaneous income: $1.36 million versus the two-analyst average estimate of $1.44 million.
Non-interest Income- Gain on Sale of Loans: $1.87 million compared to the $1.47 million average estimate based on two analysts.
Non-interest Income- Credit enhancement income: $45.39 million versus $2.65 million estimated by two analysts on average.
Non-interest Income- Strategic Program fees: $6.57 million compared to the $5.08 million average estimate based on two analysts.
Shares of FinWise Bancorp have returned +35% over the past month versus the Zacks S&P 500 composite's -3.7% 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.
View the Zacks #1 Rank List
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Compared to Estimates, FinWise Bancorp (FINW) Q3 Earnings: A Look at Key Metrics
For the quarter ended September 2026, FinWise Bancorp (FINW - Free Report) reported revenue of $57.35 million, up 56.4% over the same period last year. EPS came in at $0.76, compared to $0.34 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $41.62 million, representing a surprise of +37.79%. The company delivered an EPS surprise of +300%, with the consensus EPS estimate being $0.19.
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:View all Key Company Metrics for FinWise Bancorp here>>>
Shares of FinWise Bancorp have returned +35% over the past month versus the Zacks S&P 500 composite's -3.7% 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.