The earnings call presented a strong performance in terms of revenue, loan, and deposit growth. The company achieved record fee income and was recognized as a top workplace, indicating a positive working environment. However, challenges remain with subordinated debt impacting net interest margin and increased market competition. Despite these challenges, the positive aspects significantly outweigh the negatives.

Company Guidance -

Q3 2025

During the Bridgewater Bancshares 2025 Second Quarter Earnings Call, the company reported strong financial performance marked by several key metrics. The net interest margin expanded by 11 basis points, reaching 2.62%, driven by the repricing of the loan portfolio in a favorable rate environment. Loan growth was robust at a 12.5% annualized rate, supported by core deposit growth, which increased by $16 million or 2% annualized. Net interest income rose by $2.2 million, while noninterest income saw a 37% increase, bolstered by $938,000 in swap fee income and $200,000 from investment advisory fees. Asset quality remained strong with nonperforming assets at 0.19%, well below peer levels, and a provision for loan losses of $2 million. The tangible book value per share grew nearly 11% annualized year-to-date, and the company repurchased $1.6 million in common stock during the quarter. Despite competitive pressures, Bridgewater maintained a solid loan-to-deposit ratio of 97.9%, and its capital ratios, including CET1 at 9.03%, remained stable.

Strong Revenue and Balance Sheet Growth

Bridgewater reported impressive revenue growth trends, with net interest margin expanding by 11 basis points and net interest income growing by $2.2 million during the quarter.

Record Fee Income

The company generated record fee income, including nearly $1 million of swap fee income and over $200,000 of investment advisory fees.

Robust Loan and Core Deposit Growth

Loan growth reached a 12.5% annualized rate in the second quarter, with core deposits increasing by 2% annualized, contributing to a strong deposit pipeline.

Recognition as a Top Workplace

Bridgewater was recognized as a 2025 Top Workplace by the Star Tribune, highlighting the company's strong and unconventional culture.

Tangible Book Value Growth

The company saw tangible book value per share growth of nearly 11% annualized year-to-date.

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

Daily Earnings Calendar >

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 (BWB) report earnings?

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

What is Bridgewater Bancshares (BWB) earnings time?

Bridgewater Bancshares (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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