The earnings call highlighted significant improvements in earnings per share, net interest margin, and asset quality, along with growth in SBA loan originations and deposits. However, the call also mentioned challenges with elevated loan payoffs, increased noninterest expenses, and the ongoing resolution of significant nonperforming loans.

Company Guidance -

Q3 2025

During the Bankwell Financial Group's Second Quarter 2025 Earnings Call, the company provided guidance reflecting significant growth and strategic advancements. The net interest margin expanded to 310 basis points, a 29 basis point increase from the previous quarter, fueled by decreased funding costs and strategic investment in SBA loans. The company funded $170 million in new loans and reported a GAAP fully diluted earnings per share of $1.15, marking a 32% increase from Q1 2025. Noninterest-bearing deposits rose by $48 million, contributing to a year-to-date increase of $75 million or 23% since year-end 2024. Bankwell also achieved a reduction in nonperforming assets by $1.2 million. The guidance for full-year 2025 net interest income was updated to a range of $97 million to $98 million, assuming no further actions by the Federal Reserve. Noninterest income is expected to reach $7 million to $8 million, with continued growth in SBA gain-on-sale activity. Despite a modest increase in noninterest expenses, the efficiency ratio improved to 56.1% from 59.9% due to margin expansion and enhanced noninterest income. The company anticipates further improvements in its financial metrics and asset quality in the upcoming quarters.

Earnings Per Share and Net Interest Margin Growth

GAAP fully diluted earnings of $1.15 per share, up 32% relative to the first quarter, driven by significant net interest margin expansion and increased contributions from SBA loan sales. The net interest margin expanded by 29 basis points to 310 basis points.

Loan Originations and Deposit Growth

Bankwell funded $170 million in new loans, resulting in $24 million in linked quarter growth. Noninterest-bearing deposits grew by $48 million during the quarter, a year-to-date increase of $75 million or 23% since year-end.

Improvement in Asset Quality

Nonperforming loans dropped from a peak of $65 million to just under $24 million, representing 89 basis points of total loans. The bank also reduced its CRE exposure as a percentage of total risk-based capital to 349%, the lowest concentration in 10 years.

SBA Loan Platform Growth

The SBA business is on pace to deliver material growth to noninterest income. Bankwell funded $12 million in SBA loans during the quarter, bringing year-to-date SBA originations to $22 million.

Bankwell Financial Group (BWFG) 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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BWFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	1.06 / -	0.24	―	―	―
Jul 28, 2025	2025 (Q2)	0.84 / 1.15	0.14	721.43% (+1.01)
Apr 23, 2025	2025 (Q1)	0.73 / 0.87	0.48	81.25% (+0.39)
Jan 22, 2025	2024 (Q4)	0.65 / 0.32	1.09	-70.64% (-0.77)
Oct 28, 2024	2024 (Q3)	0.68 / 0.24	1.25	-80.80% (-1.01)
Jul 24, 2024	2024 (Q2)	0.10 / 0.14	1.02	-86.27% (-0.88)	―	―
Apr 24, 2024	2024 (Q1)	0.72 / 0.48	1.33	-63.91% (-0.85)	―	―
Jan 24, 2024	2023 (Q4)	0.86 / 1.09	1.04	4.81% (+0.05)	―	―
Oct 25, 2023	2023 (Q3)	0.93 / 1.25	1.08	15.74% (+0.17)	―	―
Jul 26, 2023	2023 (Q2)	0.93 / 1.02	1.15	-11.30% (-0.13)	―	―

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

BWFG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$37.20	$39.62	+6.51%
Apr 23, 2025	$30.07	$31.56	+4.96%
Jan 22, 2025	$29.23	$30.23	+3.42%
Oct 28, 2024	$28.35	$28.16	-0.67%

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 Bankwell Financial Group Inc (BWFG) report earnings?

Bankwell Financial Group Inc (BWFG) is schdueled to report earning on Oct 22, 2025, TBA (Confirmed).

What is Bankwell Financial Group Inc (BWFG) earnings time?

Bankwell Financial Group Inc (BWFG) earnings time is at Oct 22, 2025, TBA (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 BWFG EPS forecast?

BWFG EPS forecast for the fiscal quarter 2025 (Q3) is 1.06.

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