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Finwise Bancorp (NASDAQ: FINW) officer Arias details stock and option holdings

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
3

Rhea-AI Filing Summary

Finwise Bancorp officer Juan Carlos Arias filed an initial ownership report showing his current stake in FINW. He directly holds 8,992 common shares and indirectly holds additional shares through an IRA, his spouse’s IRA, and a UTMA account for a child.

He also holds employee stock options covering 1,200 common shares at an exercise price of $10.30 per share, expiring on November 13, 2033. According to the vesting schedule, 600 options have vested and 900 unvested options will vest in equal annual installments beginning on November 13, 2026.

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Insider Arias Juan Carlos
Role See Remarks
Type Security Shares Price Value
holding Employee Stock Option (Right to Buy) -- -- --
holding Common Stock, par value $0.001 per share -- -- --
holding Common Stock, par value $0.001 per share -- -- --
holding Common Stock, par value $0.001 per share -- -- --
holding Common Stock, par value $0.001 per share -- -- --
Holdings After Transaction: Employee Stock Option (Right to Buy) — 1,200 shares (Direct); Common Stock, par value $0.001 per share — 8,992 shares (Direct); Common Stock, par value $0.001 per share — 607 shares (Indirect, By IRA)
Footnotes (1)
  1. [object Object]
Direct common shares 8,992 shares Total direct FINW common stock holding as of Form 3
IRA indirect shares 607 shares Common stock held indirectly by IRA
Spouse IRA shares 380 shares Common stock held indirectly by IRA - Wife
UTMA custodial shares 100 shares Common stock held as UTMA custodian for child
Option underlying shares 1,200 shares Employee stock options for common stock
Option exercise price $10.30 per share Employee stock option exercise price
Vested options 600 options Portion of original 1,500 options currently vested
Unvested options 900 options Options vest in equal annual installments from Nov 13, 2026
Employee Stock Option (Right to Buy) financial
"security_title: Employee Stock Option (Right to Buy)"
UTMA custodian financial
"nature_of_ownership: By UTMA custodian for child"
IRA financial
"nature_of_ownership: By IRA"
An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.
unvested financial
"900 stock options remain unvested, which will vest and become exercisable"
exercisable financial
"will vest and become exercisable in equal installments"
SEC Form 3
FORM 3UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0104
Estimated average burden
hours per response:0.5
1. Name and Address of Reporting Person*
Arias Juan Carlos

(Last)(First)(Middle)
C/O FINWISE BANK
756 EAST WINCHESTER, SUITE 100

(Street)
MURRAY UTAH 84107

(City)(State)(Zip)

UNITED STATES

(Country)
2. Date of Event Requiring Statement (Month/Day/Year)
03/31/2026
3. Issuer Name and Ticker or Trading Symbol
Finwise Bancorp [ FINW ]
3a. Foreign Trading Symbol
5. If Amendment, Date of Original Filed (Month/Day/Year)
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
See Remarks
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock, par value $0.001 per share8,992D
Common Stock, par value $0.001 per share607IBy IRA
Common Stock, par value $0.001 per share380IBy IRA - Wife
Common Stock, par value $0.001 per share100IBy UTMA custodian for child
Table II - Derivative Securities Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year)3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5)
Date ExercisableExpiration DateTitleAmount or Number of Shares
Employee Stock Option (Right to Buy) (1)11/13/2033Common Stock, par value $0.001 per share1,200$10.3D
Explanation of Responses:
1. Of the original 1,500 stock options granted on November 13, 2023 to the Reporting Person, 600 stock options vested and 900 stock options remain unvested, which will vest and become exercisable in equal installments on each annual anniversary beginning on November 13, 2026. The reporting person previously exercised 300 stock options, leaving a balance of 1,200.
Remarks:
Relationship of Reporting Person(s) to Issuer: EVP, Chief Strategy Officer of FinWise Bank, a wholly owned subsidiary of FinWise Bancorp
/s/ Juan C. Arias04/08/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does the Form 3 filing by FINW officer Juan Carlos Arias show?

The Form 3 shows Juan Carlos Arias’ initial ownership in Finwise Bancorp (FINW), including direct and indirect common stock holdings plus employee stock options that can convert into additional shares under a stated vesting schedule and exercise price.

How many Finwise Bancorp (FINW) shares does Juan Carlos Arias hold directly?

Juan Carlos Arias directly holds 8,992 shares of Finwise Bancorp common stock. This direct position is separate from his indirect holdings through retirement and custodial accounts and from his employee stock options that could add more shares if exercised in the future.

What indirect FINW holdings are reported for Juan Carlos Arias on Form 3?

The filing reports indirect ownership of 607 shares by an IRA, 380 shares by an IRA of his wife, and 100 shares held by him as UTMA custodian for a child, in addition to his direct common stock holdings in Finwise Bancorp.

What employee stock options in FINW does Juan Carlos Arias report?

He reports employee stock options to acquire 1,200 shares of Finwise Bancorp common stock at an exercise price of $10.30 per share, expiring on November 13, 2033. These options reflect a remaining balance after a prior exercise of 300 options.

How do the FINW stock options for Juan Carlos Arias vest over time?

Of the original 1,500 stock options granted on November 13, 2023, 600 options are vested and 900 options remain unvested. The unvested 900 options will vest and become exercisable in equal annual installments starting on November 13, 2026.

Does the Juan Carlos Arias Form 3 show recent buying or selling of FINW shares?

The Form 3 functions as an initial ownership report and lists existing direct, indirect, and option holdings. The summarized data reflect holdings and vesting terms rather than explicit recent purchases or sales of Finwise Bancorp common stock.