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Bridgewater Bancshares Inc (BWB)
NASDAQ:BWB
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.35Last Year’s EPS
0.26Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 23, 2025
|% Change Since: 12.88%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with substantial growth in loans and deposits, net interest margin expansion, and strong revenue growth. However, challenges such as a non-accrual loan and market volatility were noted. Despite these, the positive aspects, particularly the growth metrics and asset quality, outweigh the negative, leading to a strong overall performance.Company Guidance
During the 2025 First Quarter Earnings Call, Bridgewater Bancshares, Inc. reported several key financial metrics and strategic guidance. The company achieved adjusted earnings per share of $0.32, with a significant 16% annualized increase in loan balances and 8% growth in core deposits. Net interest margin expanded by 19 basis points, reaching 2.51% for the quarter, largely due to lower deposit pricing and improved loan yields. The provision for loan losses was $1.5 million, and non-performing assets stood at 0.2% of total assets. The tangible book value rose by 12% on an annualized basis. Bridgewater Bancshares also executed a stock repurchase of approximately $600,000. Looking ahead, the company anticipates continued loan growth in the mid to high single digits for the full year, with potential benefits from anticipated rate cuts. They are strategically focusing on affordable housing and market disruptions in The Twin Cities for growth opportunities.Strong Loan and Deposit Growth
First-quarter loan balances increased 16% on an annualized basis, and core deposit growth was up 8.3% annualized. This reflects a robust expansion of the balance sheet and a return to an offensive-minded loan strategy.
Net Interest Margin Expansion
Net interest margin expanded by 19 basis points to 2.51%, with a core margin increase of 13 basis points to 2.37%. This was driven by a decline in deposit costs and higher loan yields.
Improved Asset Quality
The credit profile remains strong with no net charge-offs during the quarter. Non-performing assets remain low at 0.2% of assets, and overall asset quality is well below peer levels.
Revenue Growth
Total revenue increased by 23% on a year-over-year basis, driven by stronger net interest income and non-interest income from new products.
Tangible Book Value Growth
Tangible book value increased 12% annualized in the first quarter, recovering from a decline due to an acquisition in the previous quarter.
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BWB Earnings History
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
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BWB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| 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% |
| Jul 24, 2024 | $13.79 | $14.48 | +5.00% |
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.
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FAQ
When does Bridgewater Bancshares Inc (BWB) report earnings?
Bridgewater Bancshares Inc (BWB) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Bridgewater Bancshares Inc (BWB) earnings time?
Bridgewater Bancshares Inc (BWB) earnings time is at Jul 24, 2025, TBA Not 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 (Q2) is 0.35.
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