The earnings call reflected a strong performance marked by robust revenue growth, effective loan repricing, and stable asset quality. However, some challenges were noted, such as increased competition and a slight rise in classified loans. Despite these, the strategic opportunities from market disruptions and continued deposit growth contributed to a predominantly positive outlook.

Company Guidance

During the Bridgewater Bancshares 2025 Second Quarter Earnings Call, the company provided comprehensive guidance reflecting robust financial performance. Key metrics highlighted included an 11 basis point expansion in net interest margin and a notable 12.5% annualized loan growth rate for the second quarter. Net interest income increased by $2.2 million, while fee income reached near-record levels, driven by approximately $1 million in swap fee income and over $200,000 in investment advisory fees. Asset quality remained strong, with nonperforming assets at 0.19% and no net charge-offs reported. Tangible book value per share grew nearly 11% on an annualized basis year-to-date. The company also repurchased $1.6 million of common stock and outlined strategic initiatives, such as the rollout of an enhanced online banking platform and systems conversion. Looking ahead, Bridgewater anticipates continued net interest margin expansion, albeit at a slower pace, and expects mid- to high single-digit loan growth in the latter half of the year, contingent on core deposit growth and loan payoffs.

Strong Revenue and Balance Sheet Growth

Bridgewater reported impressive revenue and balance sheet growth trends, with net interest income growing by $2.2 million during the quarter and fee income reaching record levels.

Loan Portfolio Repricing Benefits

The loan portfolio has continued to reprice higher in the current rate environment, expanding net interest margin by 11 basis points this quarter.

Core Deposit Growth and Stability

Core deposits showed a 16 million increase at a 2% annualized rate, with strong retention from the First Minnetonka City Bank acquisition and a balance within 3% of acquired levels.

Continued Asset Quality Strength

Asset quality remained strong with no net charge-offs, nonperforming assets steady at 0.19%, and a long track record of strong loan portfolio quality.

Tangible Book Value Growth

Tangible book value per share grew nearly 11% annualized year-to-date, resuming a consistent growth trend.

Recognition as a Top Workplace

Bridgewater was recognized as a 2025 Top Workplace by the Star Tribune, highlighting its strong company culture.

Strategic Opportunities from M&A Disruption

The recent acquisition of Bremer Bank by Old National presents opportunities for Bridgewater to gain market share and talent in the Twin Cities.

Bridgewater Bancshares (BWB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BWB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.39 / -	0.27	―	―	―
Jul 23, 2025	2025 (Q2)	0.34 / 0.37	0.26	42.31% (+0.11)
Apr 23, 2025	2025 (Q1)	0.29 / 0.32	0.24	33.33% (+0.08)
Jan 29, 2025	2024 (Q4)	0.23 / 0.27	0.28	-3.57% (-0.01)
Oct 23, 2024	2024 (Q3)	0.24 / 0.27	0.3	-10.00% (-0.03)
Jul 24, 2024	2024 (Q2)	0.24 / 0.26	0.31	-16.13% (-0.05)
Apr 24, 2024	2024 (Q1)	0.25 / 0.24	0.37	-35.14% (-0.13)
Jan 24, 2024	2023 (Q4)	0.26 / 0.28	0.45	-37.78% (-0.17)
Oct 25, 2023	2023 (Q3)	0.28 / 0.30	0.47	-36.17% (-0.17)
Jul 26, 2023	2023 (Q2)	0.31 / 0.31	0.41	-24.39% (-0.10)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BWB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$16.13	$16.11	-0.12%
Apr 23, 2025	$13.51	$13.82	+2.29%
Jan 29, 2025	$13.70	$14.22	+3.80%
Oct 23, 2024	$15.19	$14.92	-1.78%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bridgewater Bancshares Inc (BWB) report earnings?

Bridgewater Bancshares Inc (BWB) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Bridgewater Bancshares Inc (BWB) earnings time?

Bridgewater Bancshares Inc (BWB) earnings time is at Oct 23, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BWB EPS forecast?

BWB EPS forecast for the fiscal quarter 2025 (Q3) is 0.39.

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