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Side-by-side financial comparison of Finwise Bancorp (FINW) and Hour Loop, Inc (HOUR). Click either name above to swap in a different company.
Hour Loop, Inc is the larger business by last-quarter revenue ($56.1M vs $42.7M, roughly 1.3× Finwise Bancorp). Finwise Bancorp runs the higher net margin — 6.4% vs -1.2%, a 7.6% gap on every dollar of revenue. Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% CAGR vs 47.0%).
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.
Hour Loop, Inc. is an e-commerce retail company that offers a diverse portfolio of products including home goods, apparel, toys, electronics accessories, and daily consumer essentials. It primarily operates through leading third-party online marketplaces, with its core customer base concentrated in North America, focusing on delivering affordable, high-value daily products to mass consumers.
FINW vs HOUR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $42.7M | $56.1M |
| Net Profit | $2.7M | $-657.3K |
| Gross Margin | — | 49.6% |
| Operating Margin | — | -1.5% |
| Net Margin | 6.4% | -1.2% |
| Revenue YoY | — | 3.0% |
| Net Profit YoY | — | 57.0% |
| EPS (diluted) | $0.20 | $-0.02 |
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.
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $56.1M | ||
| Q3 25 | $36.7M | $33.4M | ||
| Q2 25 | $25.1M | $27.1M | ||
| Q1 25 | $22.1M | $25.8M | ||
| Q4 24 | $21.1M | $54.4M | ||
| Q3 24 | $20.8M | $31.1M | ||
| Q2 24 | $19.8M | $28.1M |
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-657.3K | ||
| Q3 25 | $4.9M | $530.6K | ||
| Q2 25 | $4.1M | $1.2M | ||
| Q1 25 | $3.2M | $654.5K | ||
| Q4 24 | $2.8M | $-1.5M | ||
| Q3 24 | $3.5M | $469.6K | ||
| Q2 24 | $3.2M | $649.1K |
| Q1 26 | — | — | ||
| Q4 25 | — | 49.6% | ||
| Q3 25 | — | 51.4% | ||
| Q2 25 | — | 57.2% | ||
| Q1 25 | — | 54.7% | ||
| Q4 24 | — | 45.7% | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 55.7% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -1.5% | ||
| Q3 25 | 17.5% | 2.2% | ||
| Q2 25 | 21.7% | 6.0% | ||
| Q1 25 | 20.1% | 3.6% | ||
| Q4 24 | 17.5% | -4.5% | ||
| Q3 24 | 22.2% | 2.3% | ||
| Q2 24 | 21.1% | 3.3% |
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -1.2% | ||
| Q3 25 | 13.3% | 1.6% | ||
| Q2 25 | 16.3% | 4.3% | ||
| Q1 25 | 14.4% | 2.5% | ||
| Q4 24 | 13.2% | -2.8% | ||
| Q3 24 | 16.6% | 1.5% | ||
| Q2 24 | 16.1% | 2.3% |
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-0.02 | ||
| Q3 25 | $0.34 | $0.01 | ||
| Q2 25 | $0.29 | $0.04 | ||
| Q1 25 | $0.23 | $0.02 | ||
| Q4 24 | $0.19 | $-0.04 | ||
| Q3 24 | $0.25 | $0.01 | ||
| Q2 24 | $0.24 | $0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $196.6M | $7.0M |
| Total Assets | $899.4M | $23.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | — | ||
| Q3 25 | $105.6M | — | ||
| Q2 25 | $90.1M | — | ||
| Q1 25 | $120.3M | — | ||
| Q4 24 | $109.2M | — | ||
| Q3 24 | $85.8M | — | ||
| Q2 24 | $89.0M | — |
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $7.0M | ||
| Q3 25 | $187.8M | $7.7M | ||
| Q2 25 | $182.0M | $7.2M | ||
| Q1 25 | $177.4M | $5.8M | ||
| Q4 24 | $173.7M | $5.2M | ||
| Q3 24 | $170.4M | $6.7M | ||
| Q2 24 | $165.8M | $6.2M |
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $23.8M | ||
| Q3 25 | $899.9M | $31.6M | ||
| Q2 25 | $842.5M | $23.0M | ||
| Q1 25 | $804.1M | $19.1M | ||
| Q4 24 | $746.0M | $20.0M | ||
| Q3 24 | $683.0M | $32.4M | ||
| Q2 24 | $617.8M | $20.2M |
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 | — | $3.0M |
| Free Cash FlowOCF − Capex | — | $3.0M |
| FCF MarginFCF / Revenue | — | 5.3% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $3.0M | ||
| Q3 25 | $3.5M | $500.4K | ||
| Q2 25 | $-18.3M | $-901.5K | ||
| Q1 25 | $-21.6M | $-23.9K | ||
| Q4 24 | $-15.0M | $1.5M | ||
| Q3 24 | $-9.8M | $-2.2M | ||
| Q2 24 | $-7.6M | $456.2K |
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $3.0M | ||
| Q3 25 | $3.4M | $449.3K | ||
| Q2 25 | $-19.8M | $-901.6K | ||
| Q1 25 | $-23.3M | $-24.6K | ||
| Q4 24 | $-16.1M | $1.5M | ||
| Q3 24 | $-13.4M | $-2.2M | ||
| Q2 24 | $-7.7M | $439.4K |
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 5.3% | ||
| Q3 25 | 9.4% | 1.3% | ||
| Q2 25 | -79.0% | -3.3% | ||
| Q1 25 | -105.3% | -0.1% | ||
| Q4 24 | -76.0% | 2.8% | ||
| Q3 24 | -64.3% | -7.0% | ||
| Q2 24 | -38.7% | 1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.0% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 5.8% | 0.0% | ||
| Q1 25 | 7.4% | 0.0% | ||
| Q4 24 | 5.1% | 0.0% | ||
| Q3 24 | 17.2% | 0.0% | ||
| Q2 24 | 0.3% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | 0.94× | ||
| Q2 25 | -4.48× | -0.77× | ||
| Q1 25 | -6.78× | -0.04× | ||
| Q4 24 | -5.37× | — | ||
| Q3 24 | -2.84× | -4.64× | ||
| Q2 24 | -2.39× | 0.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
HOUR
Segment breakdown not available.
