Financial insights of FINW

MyFinsight

For the quarter ending 2025-09-30, FINW made $65,068K in revenue. $4,891K in net income. Net profit margin of 7.52%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	22,532	18,485
Interest on securities	360	390
Other interest income	1,074	867
Total interest income	23,966	19,742
Interest on deposits	5,359	5,014
Total interest expense	5,359	5,014
Net interest income	18,607	14,728
Provision for credit losses	12,799	4,726
Net interest income after provision for credit losses	5,808	10,002
Strategic program fees	6,180	5,404
Gain on sale of loans, net	1,854	1,483
Sba loan servicing fees, net	-242	-96
Change in fair value on investment in bfg	200	300
Credit enhancement income	8,762	2,275
Other miscellaneous income	1,298	971
Total non-interest income	18,052	10,337
Salaries and benefits	10,814	10,491
Professional services	876	949
Occupancy and equipment expenses	456	445
Credit enhancement servicing expense	248	-
Credit enhancement guarantee expense	1,720	-
Credit enhancement expense	-	78
Other non-interest expense	3,335	2,949
Total non-interest expense	17,449	14,912
Income before taxes	6,411	5,427
Provision for income taxes	1,520	1,330
Net income	4,891	4,097

Earnings per share, basic (in dollars per share)	0.36	0.31
Earnings per share, diluted (in dollars per share)	0.34	0.29
Weighted average shares outstanding, basic (in shares)	12,859,264	12,781,508
Weighted average shares outstanding, diluted (in shares)	13,615,354	13,472,394