$FINW Cashflow Statement | Understand Stock

$FINW

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated Statements of Cash Flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022
Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash used in operating activities
Depreciation and amortization
Provision for credit losses
Noncash operating lease cost
Net (accretion) amortization in securities (discounts) and premiums
Capitalized servicing assets
Capitalized Loan Trailing Fee Asset
Additions to servicing asset
Other
Gain on sale of loans, net
Originations of Strategic Program loans held-for-sale
Proceeds from sale of Strategic Program loans held-for-sale
Impairment of SBA servicing asset
(Recovery) impairment of SBA servicing asset
Change in fair value of BFG
Impairment (recovery) of SBA servicing asset
Stock-based compensation expense
Noncash change in credit enhancement asset
Deferred income taxes

Net changes in:
Accrued interest receivable
Other assets
Accrued interest payable
Operating lease liabilities
Other liabilities
Net cash used in operating activities
Cash flows from investing activities:
Net increase in loans receivable
Purchase of loan pools
Investments in FinWise Investments, LLC
Purchase of lease pools
Proceeds from sale of loans and leases
Investment in equity securities
Distributions from BFG
Proceeds from sales of loans held-for-investment
Proceeds from sales of assets subject to operating leases
Purchase of investment securities available-for-sale
Purchase of bank premises and equipment, net
Purchase of assets subject to operating leases
Proceeds from maturities of securities available-for-sale
Proceeds from maturities and paydowns of securities held-to-maturity
Purchases of securities held-to-maturity
Purchase of FHLB stock
(Purchase) redemption of FHLB stock
Net cash used in investing activities

Cash flows from financing activities:
Net increase in deposits
Common stock repurchased
Proceeds from exercise of stock options
Proceeds from PPP Liquidity Facility
Payment of taxes related to net share settlement of equity awards
Repayment of PPP Liquidity Facility
Net cash provided by financing activities

Net change in cash and cash equivalents
Net change in cash, cash equivalents and restricted cash
Cash, cash equivalents and restricted cash, beginning of the period
Cash, cash equivalents and restricted cash, end of the period
Supplemental disclosures of cash flow information:
Cash paid for income taxes
Cash paid for interest
Operating cash flows from operating leases
Right-of-use assets obtained in exchange for operating lease liabilities (ASC 842 adoption effective January 1, 2022)
Impact of current expected credit loss model (ASU 2016-13 adoption effective January 1, 2023)
Supplemental disclosures of noncash investing and financing activities:
Increase in BFG investment in exchange for shares of the Company's common stock

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