Finwise Bancorp Net Assets
Finwise Bancorp net assets. Based on the latest financial reports, Finwise Bancorp (FINW) has net assets worth $193.19 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($977.13 Million) and total liabilities ($783.94 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Finwise Bancorp equity growth rate to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $193.19 Million |
| % of Total Assets | 19.77% |
| Annual Growth Rate | 34.18% |
| 5-Year Change | 67.35% |
| 10-Year Change | N/A |
| Growth Volatility | 50.48 |
Net Assets of Finwise Bancorp (2019–2025)
Net assets of Finwise Bancorp from 2019 to 2025. This chart illustrates how Finwise Bancorp's net assets have evolved over time, based on quarterly financial data. See Finwise Bancorp (FINW) net asset quality to measure how much of total assets are equity-financed.
Annual Net Assets for Finwise Bancorp (2019–2025)
The table below shows the annual net assets of Finwise Bancorp from 2019 to 2025. For live market cap and overall valuation, see how much is Finwise Bancorp worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $193.19 Million | +11.21% |
| 2024-12-31 | $173.72 Million | +12.04% |
| 2023-12-31 | $155.06 Million | +10.39% |
| 2022-12-31 | $140.46 Million | +21.67% |
| 2021-12-31 | $115.44 Million | +151.66% |
| 2020-12-31 | $45.87 Million | +38.61% |
| 2019-12-31 | $33.09 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Finwise Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 642.2% over the analyzed period, indicating profitable operations and earnings retention.
Finwise Bancorp Net Assets Breakdown (December 2025)
Finwise Bancorp net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $132.20 Million | 68.43% |
| Common Stock | $14.00K | 0.01% |
| Other Comprehensive Income | $26.00K | 0.01% |
| Other Components | $60.96 Million | 31.55% |
| Total Equity | $193.19 Million | 100.00% |
Finwise Bancorp Competitors by Market Cap
The table below lists competitors of Finwise Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Invivyd Inc.
NASDAQ:IVVD
|
$186.76 Million |
|
JAB Acquisition Corp I Class A Ordinary Shares
NASDAQ:ATLQ
|
$186.79 Million |
|
SILICOM LTD IS-01
F:S1L
|
$186.80 Million |
|
FREYR Battery SA
NYSE:FREY
|
$186.85 Million |
|
Franklin Universal Closed Fund
NYSE:FT
|
$186.53 Million |
|
LWSABAH
KLSE:5328
|
$186.52 Million |
|
Teixeira Duarte
LS:TDSA
|
$186.48 Million |
|
Smac Co. Ltd
KQ:097780
|
$186.47 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Finwise Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 173,720,000 to 193,195,000, a change of 19,475,000 (11.2%).
- Net income of 16,091,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 161,001.
- Other factors increased equity by 3,545,001.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $16.09 Million | +8.33% |
| Other Comprehensive Income | $-161.00K | -0.08% |
| Other Changes | $3.55 Million | +1.83% |
| Total Change | $- | 11.21% |
Book Value vs Market Value Analysis
This analysis compares Finwise Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.96x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 5.06x to 0.96x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $2.70 | $13.67 | x |
| 2020-12-31 | $3.85 | $13.67 | x |
| 2021-12-31 | $12.67 | $13.67 | x |
| 2022-12-31 | $10.52 | $13.67 | x |
| 2023-12-31 | $12.01 | $13.67 | x |
| 2024-12-31 | $13.13 | $13.67 | x |
| 2025-12-31 | $14.24 | $13.67 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Finwise Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.33%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.66%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 5.06x
- Recent ROE (8.33%) is below the historical average (17.97%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 29.19% | 27.39% | 0.20x | 5.35x | $6.35 Million |
| 2020 | 24.41% | 25.55% | 0.14x | 6.92x | $6.61 Million |
| 2021 | 27.36% | 38.95% | 0.21x | 3.29x | $20.04 Million |
| 2022 | 17.88% | 27.84% | 0.23x | 2.85x | $11.07 Million |
| 2023 | 11.26% | 20.16% | 0.15x | 3.78x | $1.95 Million |
| 2024 | 7.33% | 13.07% | 0.13x | 4.29x | $-4.63 Million |
| 2025 | 8.33% | 10.66% | 0.15x | 5.06x | $-3.23 Million |
Industry Comparison
This section compares Finwise Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $627,551,500
- Average return on equity (ROE) among peers: 7.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Finwise Bancorp (FINW) | $193.19 Million | 29.19% | 4.06x | $186.68 Million |
| Ameris Bancorp (ABCB) | $239.36 Million | -1.64% | 9.06x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.65 Billion |
| ACNB Corporation (ACNB) | $110.02 Million | 9.35% | 8.91x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $359.40 Million | 14.66% | 8.44x | $829.34 Million |
| Amalgamated Bank (AMAL) | $344.07 Million | 1.78% | 10.75x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $166.38 Million | 13.18% | 10.80x | $724.09 Million |
| Associated Banc-Corp (ASB) | $4.09 Billion | 7.50% | 7.17x | $5.91 Billion |
| AmeriServ Financial Inc (ASRV) | $98.61 Million | 6.11% | 10.88x | $78.95 Million |
About Finwise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest-bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time dep… Read more