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Side-by-side financial comparison of First Foundation Inc. (FFWM) and Finwise Bancorp (FINW). Click either name above to swap in a different company.
First Foundation Inc. is the larger business by last-quarter revenue ($48.4M vs $46.9M, roughly 1.0× Finwise Bancorp). Finwise Bancorp runs the higher net margin — 8.4% vs -97.9%, a 106.2% gap on every dollar of revenue. On growth, First Foundation Inc. posted the faster year-over-year revenue change (421.7% vs 121.7%). Finwise Bancorp produced more free cash flow last quarter ($-28.6M vs $-35.2M). Over the past eight quarters, Finwise Bancorp's revenue compounded faster (54.3% CAGR vs -2.7%).
John B. Lacson Colleges Foundation (Bacolod), Inc. is a private maritime college in Bacolod, Negros Occidental, Philippines.
Finwise Bancorp is a U.S.-based financial holding company that operates primarily through its community banking subsidiary. It offers a full suite of retail and commercial financial services, including deposit accounts, personal loans, mortgage products, small business financing, and wealth management solutions, serving local retail consumers and small to medium-sized business clients across its regional operating markets.
FFWM vs FINW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $48.4M | $46.9M |
| Net Profit | $-8.0M | $3.9M |
| Gross Margin | — | — |
| Operating Margin | -97.5% | 11.7% |
| Net Margin | -97.9% | 8.4% |
| Revenue YoY | 421.7% | 121.7% |
| Net Profit YoY | 43.0% | 40.1% |
| EPS (diluted) | $-0.09 | $0.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $48.4M | $46.9M | ||
| Q3 25 | $63.6M | $36.7M | ||
| Q2 25 | $51.4M | $25.1M | ||
| Q1 25 | $71.4M | $22.1M | ||
| Q4 24 | $9.3M | $21.1M | ||
| Q3 24 | $9.2M | $20.8M | ||
| Q2 24 | $57.5M | $19.8M | ||
| Q1 24 | $51.1M | $19.7M |
| Q4 25 | $-8.0M | $3.9M | ||
| Q3 25 | $-146.3M | $4.9M | ||
| Q2 25 | $-7.7M | $4.1M | ||
| Q1 25 | $6.9M | $3.2M | ||
| Q4 24 | $-14.1M | $2.8M | ||
| Q3 24 | $-82.2M | $3.5M | ||
| Q2 24 | $3.1M | $3.2M | ||
| Q1 24 | $793.0K | $3.3M |
| Q4 25 | -97.5% | 11.7% | ||
| Q3 25 | -92.7% | 17.5% | ||
| Q2 25 | -21.1% | 21.7% | ||
| Q1 25 | 8.8% | 20.1% | ||
| Q4 24 | -247.7% | 17.5% | ||
| Q3 24 | -1276.7% | 22.2% | ||
| Q2 24 | 4.6% | 21.1% | ||
| Q1 24 | -0.2% | 22.9% |
| Q4 25 | -97.9% | 8.4% | ||
| Q3 25 | -230.1% | 13.3% | ||
| Q2 25 | -15.0% | 16.3% | ||
| Q1 25 | 9.7% | 14.4% | ||
| Q4 24 | -152.2% | 13.2% | ||
| Q3 24 | -896.9% | 16.6% | ||
| Q2 24 | 5.4% | 16.1% | ||
| Q1 24 | 1.6% | 16.9% |
| Q4 25 | $-0.09 | $0.27 | ||
| Q3 25 | $-1.78 | $0.34 | ||
| Q2 25 | $-0.09 | $0.29 | ||
| Q1 25 | $0.08 | $0.23 | ||
| Q4 24 | $-0.24 | $0.19 | ||
| Q3 24 | $-1.23 | $0.25 | ||
| Q2 24 | $0.05 | $0.24 | ||
| Q1 24 | $0.01 | $0.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.6B | $163.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $912.6M | $193.2M |
| Total Assets | $11.9B | $977.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.6B | $163.4M | ||
| Q3 25 | $1.7B | $105.6M | ||
| Q2 25 | $1.1B | $90.1M | ||
| Q1 25 | $1.0B | $120.3M | ||
| Q4 24 | $1.0B | $109.2M | ||
| Q3 24 | $1.1B | $85.8M | ||
| Q2 24 | $1.4B | $89.0M | ||
| Q1 24 | $1.6B | $115.8M |
| Q4 25 | $912.6M | $193.2M | ||
| Q3 25 | $917.9M | $187.8M | ||
| Q2 25 | $1.1B | $182.0M | ||
| Q1 25 | $1.1B | $177.4M | ||
| Q4 24 | $1.1B | $173.7M | ||
| Q3 24 | $1.1B | $170.4M | ||
| Q2 24 | $933.2M | $165.8M | ||
| Q1 24 | $928.7M | $162.5M |
| Q4 25 | $11.9B | $977.1M | ||
| Q3 25 | $11.9B | $899.9M | ||
| Q2 25 | $11.6B | $842.5M | ||
| Q1 25 | $12.6B | $804.1M | ||
| Q4 24 | $12.6B | $746.0M | ||
| Q3 24 | $13.4B | $683.0M | ||
| Q2 24 | $13.7B | $617.8M | ||
| Q1 24 | $13.6B | $610.8M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-31.9M | $-28.4M |
| Free Cash FlowOCF − Capex | $-35.2M | $-28.6M |
| FCF MarginFCF / Revenue | -72.8% | -61.1% |
| Capex IntensityCapex / Revenue | 6.9% | 0.5% |
| Cash ConversionOCF / Net Profit | — | -7.26× |
| TTM Free Cash FlowTrailing 4 quarters | $-45.9M | $-68.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-31.9M | $-28.4M | ||
| Q3 25 | $9.2M | $3.5M | ||
| Q2 25 | $-16.3M | $-18.3M | ||
| Q1 25 | $-552.0K | $-21.6M | ||
| Q4 24 | $-8.7M | $-15.0M | ||
| Q3 24 | $14.2M | $-9.8M | ||
| Q2 24 | $-9.1M | $-7.6M | ||
| Q1 24 | $7.2M | $1.8M |
| Q4 25 | $-35.2M | $-28.6M | ||
| Q3 25 | $8.6M | $3.4M | ||
| Q2 25 | $-16.7M | $-19.8M | ||
| Q1 25 | $-2.5M | $-23.3M | ||
| Q4 24 | $-11.4M | $-16.1M | ||
| Q3 24 | $13.4M | $-13.4M | ||
| Q2 24 | $-9.4M | $-7.7M | ||
| Q1 24 | $5.9M | $568.0K |
| Q4 25 | -72.8% | -61.1% | ||
| Q3 25 | 13.5% | 9.4% | ||
| Q2 25 | -32.4% | -79.0% | ||
| Q1 25 | -3.5% | -105.3% | ||
| Q4 24 | -123.5% | -76.0% | ||
| Q3 24 | 146.2% | -64.3% | ||
| Q2 24 | -16.3% | -38.7% | ||
| Q1 24 | 11.6% | 2.9% |
| Q4 25 | 6.9% | 0.5% | ||
| Q3 25 | 1.0% | 0.1% | ||
| Q2 25 | 0.8% | 5.8% | ||
| Q1 25 | 2.8% | 7.4% | ||
| Q4 24 | 29.4% | 5.1% | ||
| Q3 24 | 9.0% | 17.2% | ||
| Q2 24 | 0.4% | 0.3% | ||
| Q1 24 | 2.5% | 6.0% |
| Q4 25 | — | -7.26× | ||
| Q3 25 | — | 0.71× | ||
| Q2 25 | — | -4.48× | ||
| Q1 25 | -0.08× | -6.78× | ||
| Q4 24 | — | -5.37× | ||
| Q3 24 | — | -2.84× | ||
| Q2 24 | -2.96× | -2.39× | ||
| Q1 24 | 9.09× | 0.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
