Finwise Bancorp (FINW) Net Margin (2021 - 2026)
Finwise Bancorp (FINW) posted Net Margin of 3.92% for Q2 2026, down 12.42 percentage points from 16.35% a year earlier and down 2.48 percentage points from the prior quarter.
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Analysis
Finwise Bancorp (FINW) Net Margin (2021 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Net Margin at Finwise Bancorp was 7.57%, down 7.62 percentage points year-over-year; for FY2025, it came in at 12.31%, down 3.34 percentage points from FY2024.
- Annual Net Margin has declined for four consecutive years, with a four-year change of -27.25 percentage points (FY2021 to FY2025).
- In prior years, Finwise Bancorp's Net Margin was 15.65% in FY2024 (-7.32 pp), 22.97% in FY2023 (-5.47 pp), 28.44% in FY2022 (-11.13 pp) and 39.57% in FY2021.
- The Q2 2026 figure stands as the lowest quarterly Net Margin in data going back to Q1 2021.
- On a year-over-year basis, Net Margin has declined in each of the last four quarters, with an average year-over-year change of -5.76 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Net Margin in the past five years was Q3 2023, with a gain of 6.66 percentage points; the weakest was Q3 2022, with a drop of 20.24 percentage points.
- According to Business Quant data, Net Margin for the three prior quarters was 6.40% (Q1 2026), 8.36% (Q4 2025) and 13.34% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Finwise Bancorp | 202.17 Mn | -244.39 Mn | - | 9.78% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 9.78% |
| Jun 30, 2026 | 3.92% |
| Mar 31, 2026 | 6.40% |
| Dec 31, 2025 | 8.36% |
| Sep 30, 2025 | 13.34% |
| Jun 30, 2025 | 16.35% |
| Mar 31, 2025 | 14.44% |
| Dec 31, 2024 | 13.22% |
| Sep 30, 2024 | 16.59% |
| Jun 30, 2024 | 16.08% |
| Mar 31, 2024 | 16.85% |
| Dec 31, 2023 | 20.25% |
| Sep 30, 2023 | 24.89% |
| Jun 30, 2023 | 24.46% |
| Mar 31, 2023 | 23.21% |
| Dec 31, 2022 | 29.19% |
| Sep 30, 2022 | 18.10% |
| Jun 30, 2022 | 25.67% |
| Mar 31, 2022 | 38.28% |
| Dec 31, 2021 | 41.44% |
API Access
Finwise Bancorp Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=FINW&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "FINW", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=FINW&period=max&api_key=YOUR_API_KEY");
const data = await res.json();