FinWise Bancorp (FINW) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, and thank you for joining us today for FinWise Bankrupt's fourth quarter 2025 earnings conference call. Earlier today, we filed our earnings release and investor deck and posted them to our investor website at investors.finwisebankrupt.com. Today's conference call is being recorded and webcast on the company's investor website, as previously mentioned. On today's call, management's prepared remarks and answers to your questions may contain forward-looking statements that are subject to risks and uncertainties that could cause actual results to differ from those discussed today. Forward-looking statements represent management's current estimates, expectations, and beliefs, and FinWise Bancorp assumes no obligation to update any forward-looking statements in the future. We encourage listeners to review the more detailed discussions related to these forward-looking statements including factors that may negatively impact them contained in the company's earnings press release and filings with the Securities and Exchange Commission. Hosting the call today are Kent Landvater, Chairman and CEO, Jim Noon, Bank CEO, and Bob Wallman, CFO. Kent, please go ahead. Good afternoon, everyone. FinWise delivered a strong 2025 growing net income 26% and posting a steady fourth quarter that demonstrates how our multi-year investments are gradually translating into tangible, sustainable results. The meaningful progress we've made in expanding and diversifying our revenue streams underscores both the durability of our business model and the momentum behind our long-term strategy. Specifically, during the fourth quarter, we delivered healthy revenue growth driven by balanced contributions from both fee and spread income. Additionally, our disciplined approach to expense mana...