Finwise Bancorp

Finwise Bancorp が 2026年7月29日 に発表した内容

2026年6月30日 に終了した四半期、前年同期との比較。

これは単独四半期の数字であって通年ではありません——このサイトの他の場所の数字は 12 か月を対象としており、はるかに大きくなります。季節性のある事業は両者の間で大きく振れます：ServiceNow は 12 月期に 20 億ドルのフリーキャッシュフローを稼ぎ、6 月期には 5 億ドルです。

比較対象はアナリスト予想ではなく前年同期です。「上振れ」「下振れ」と言うにはコンセンサス予想が必要ですが、それは当方が保有しないライセンスデータであり——間違えるくらいなら載せないほうがましです。

決算説明会

Finwise Bancorp の決算説明会の書き起こしはありません。

経営陣の発言

“Our second quarter earnings of $0.15 per share were short of our expectations driven by higher provision expense on the loans where we retain credit risk. The higher provision resulted primarily from losses incurred on sale of property collateralizing, and increased reserves on, classified loans. We will continue to empower our credit and compliance teams to identify and prune risk proactively as they did this quarter, reducing our non-performing loan balance by $12.1 million from $49.8 million last quarter to $37.7 million this quarter,”

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株価の反応

発表は引け後か寄り前に出るため、ここでの値動きは次の取引日のものです。

Finwise Bancorp の事業内容

FinWise Bancorp is a Utah bank holding company headquartered in Murray, Utah which wholly owns FinWise Bank, a Utah chartered state bank, and FinWise Investment LLC (together “FinWise”). FinWise provides Banking and Payments solutions to fintech brands. FinWise’s existing Strategic Program Lending business, conducted through scalable API-driven infrastructure, powers deposit, lending and payments programs for leading fintech brands. As part of Strategic Program Lending, FinWise also provides a Credit Enhanced Balance Sheet Program, which addresses the challenges that lending and card programs face diversifying their funding sources and managing capital efficiency. In addition, FinWise manages other Lending programs such as SBA 7(a), Owner Occupied Commercial Real Estate, and Leasing, which provide flexibility for disciplined balance sheet growth. FinWise is also expanding and diversifying its business model by incorporating Payments (MoneyRails™) and BIN Sponsorship offerings. Through its compliance oversight and risk management-first culture, FinWise is well positioned to guide fintechs through a rigorous process to facilitate regulatory compliance.

発表資料の末尾に記載された、企業自身による説明です。