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Side-by-side financial comparison of Finwise Bancorp (FINW) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $42.7M, roughly 1.4× Finwise Bancorp). TSS, Inc. runs the higher net margin — 20.0% vs 6.4%, a 13.6% gap on every dollar of revenue. Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
FINW vs TSSI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $42.7M | $60.9M |
| Net Profit | $2.7M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | — | 1.5% |
| Net Margin | 6.4% | 20.0% |
| Revenue YoY | — | 21.8% |
| Net Profit YoY | — | 535.7% |
| EPS (diluted) | $0.20 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $36.7M | $41.9M | ||
| Q2 25 | $25.1M | $44.0M | ||
| Q1 25 | $22.1M | $99.0M | ||
| Q4 24 | $21.1M | $50.0M | ||
| Q3 24 | $20.8M | $70.1M | ||
| Q2 24 | $19.8M | $12.2M |
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $12.2M | ||
| Q3 25 | $4.9M | $-1.5M | ||
| Q2 25 | $4.1M | $1.5M | ||
| Q1 25 | $3.2M | $3.0M | ||
| Q4 24 | $2.8M | $1.9M | ||
| Q3 24 | $3.5M | $2.6M | ||
| Q2 24 | $3.2M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 1.5% | ||
| Q3 25 | 17.5% | -2.2% | ||
| Q2 25 | 21.7% | 5.1% | ||
| Q1 25 | 20.1% | 4.2% | ||
| Q4 24 | 17.5% | 0.0% | ||
| Q3 24 | 22.2% | 5.4% | ||
| Q2 24 | 21.1% | 14.0% |
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 20.0% | ||
| Q3 25 | 13.3% | -3.6% | ||
| Q2 25 | 16.3% | 3.4% | ||
| Q1 25 | 14.4% | 3.0% | ||
| Q4 24 | 13.2% | 3.8% | ||
| Q3 24 | 16.6% | 3.8% | ||
| Q2 24 | 16.1% | 11.5% |
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $0.44 | ||
| Q3 25 | $0.34 | $-0.06 | ||
| Q2 25 | $0.29 | $0.06 | ||
| Q1 25 | $0.23 | $0.12 | ||
| Q4 24 | $0.19 | $0.08 | ||
| Q3 24 | $0.25 | $0.10 | ||
| Q2 24 | $0.24 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $196.6M | $76.6M |
| Total Assets | $899.4M | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $85.5M | ||
| Q3 25 | $105.6M | $70.7M | ||
| Q2 25 | $90.1M | — | ||
| Q1 25 | $120.3M | — | ||
| Q4 24 | $109.2M | $23.2M | ||
| Q3 24 | $85.8M | $46.4M | ||
| Q2 24 | $89.0M | $8.3M |
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $76.6M | ||
| Q3 25 | $187.8M | $63.4M | ||
| Q2 25 | $182.0M | $9.5M | ||
| Q1 25 | $177.4M | $9.4M | ||
| Q4 24 | $173.7M | $7.1M | ||
| Q3 24 | $170.4M | $7.7M | ||
| Q2 24 | $165.8M | $5.2M |
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $184.9M | ||
| Q3 25 | $899.9M | $165.4M | ||
| Q2 25 | $842.5M | $139.5M | ||
| Q1 25 | $804.1M | $113.5M | ||
| Q4 24 | $746.0M | $96.6M | ||
| Q3 24 | $683.0M | $67.3M | ||
| Q2 24 | $617.8M | $28.9M |
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 | — | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.8M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $16.3M | ||
| Q3 25 | $3.5M | $-18.4M | ||
| Q2 25 | $-18.3M | $16.3M | ||
| Q1 25 | $-21.6M | $20.6M | ||
| Q4 24 | $-15.0M | $-21.6M | ||
| Q3 24 | $-9.8M | $38.6M | ||
| Q2 24 | $-7.6M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $15.8M | ||
| Q3 25 | $3.4M | $-24.9M | ||
| Q2 25 | $-19.8M | $5.4M | ||
| Q1 25 | $-23.3M | $5.8M | ||
| Q4 24 | $-16.1M | $-28.4M | ||
| Q3 24 | $-13.4M | $38.6M | ||
| Q2 24 | $-7.7M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 25.9% | ||
| Q3 25 | 9.4% | -59.3% | ||
| Q2 25 | -79.0% | 12.3% | ||
| Q1 25 | -105.3% | 5.8% | ||
| Q4 24 | -76.0% | -56.7% | ||
| Q3 24 | -64.3% | 55.1% | ||
| Q2 24 | -38.7% | -49.4% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.9% | ||
| Q3 25 | 0.1% | 15.3% | ||
| Q2 25 | 5.8% | 24.8% | ||
| Q1 25 | 7.4% | 15.0% | ||
| Q4 24 | 5.1% | 13.4% | ||
| Q3 24 | 17.2% | 0.1% | ||
| Q2 24 | 0.3% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 1.34× | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | 11.02× | ||
| Q1 25 | -6.78× | 6.93× | ||
| Q4 24 | -5.37× | -11.32× | ||
| Q3 24 | -2.84× | 14.60× | ||
| Q2 24 | -2.39× | -3.09× |
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% |
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
