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Bridgewater Bancshares Earnings Calls
| Release date | Apr 21, 2026 |
| EPS estimate | $0.420 |
| EPS actual | $0.410 |
| EPS Surprise | -2.38% |
| Revenue estimate | 39.333M |
| Revenue actual | 38.96M |
| Revenue Surprise | -0.95% |
| Release date | Jan 27, 2026 |
| EPS estimate | $0.420 |
| EPS actual | $0.440 |
| EPS Surprise | 4.76% |
| Revenue estimate | 38.075M |
| Revenue actual | 38.755M |
| Revenue Surprise | 1.79% |
| Release date | Oct 21, 2025 |
| EPS estimate | $0.410 |
| EPS actual | $0.390 |
| EPS Surprise | -4.88% |
| Revenue estimate | 36.15M |
| Revenue actual | 36.093M |
| Revenue Surprise | -0.158% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.350 |
| EPS actual | $0.370 |
| EPS Surprise | 5.71% |
| Revenue estimate | 34.2M |
| Revenue actual | 35.707M |
| Revenue Surprise | 4.41% |
Last 4 Quarters for Bridgewater Bancshares
Below you can see how BWB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 23, 2025 |
| Price on release | $16.13 |
| EPS estimate | $0.350 |
| EPS actual | $0.370 |
| EPS surprise | 5.71% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $16.49 |
| Jul 18, 2025 | $16.20 |
| Jul 21, 2025 | $16.12 |
| Jul 22, 2025 | $16.07 |
| Jul 23, 2025 | $16.13 |
| Jul 24, 2025 | $16.11 |
| Jul 25, 2025 | $16.12 |
| Jul 28, 2025 | $16.50 |
| Jul 29, 2025 | $16.06 |
| 4 days before | -2.18% |
| 4 days after | -0.434% |
| On release day | -0.124% |
| Change in period | -2.61% |
| Release date | Oct 21, 2025 |
| Price on release | $17.50 |
| EPS estimate | $0.410 |
| EPS actual | $0.390 |
| EPS surprise | -4.88% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $17.41 |
| Oct 16, 2025 | $16.54 |
| Oct 17, 2025 | $16.97 |
| Oct 20, 2025 | $17.39 |
| Oct 21, 2025 | $17.50 |
| Oct 22, 2025 | $16.90 |
| Oct 23, 2025 | $16.85 |
| Oct 24, 2025 | $17.44 |
| Oct 27, 2025 | $17.11 |
| 4 days before | 0.517% |
| 4 days after | -2.23% |
| On release day | -3.43% |
| Change in period | -1.72% |
| Release date | Jan 27, 2026 |
| Price on release | $18.46 |
| EPS estimate | $0.420 |
| EPS actual | $0.440 |
| EPS surprise | 4.76% |
| Date | Price |
|---|---|
| Jan 21, 2026 | $18.99 |
| Jan 22, 2026 | $19.13 |
| Jan 23, 2026 | $18.23 |
| Jan 26, 2026 | $18.36 |
| Jan 27, 2026 | $18.46 |
| Jan 28, 2026 | $18.77 |
| Jan 29, 2026 | $19.18 |
| Jan 30, 2026 | $19.21 |
| Feb 02, 2026 | $19.63 |
| 4 days before | -2.79% |
| 4 days after | 6.34% |
| On release day | 1.68% |
| Change in period | 3.37% |
| Release date | Apr 21, 2026 |
| Price on release | $18.60 |
| EPS estimate | $0.420 |
| EPS actual | $0.410 |
| EPS surprise | -2.38% |
| Date | Price |
|---|---|
| Apr 15, 2026 | $18.81 |
| Apr 16, 2026 | $18.64 |
| Apr 17, 2026 | $19.16 |
| Apr 20, 2026 | $19.09 |
| Apr 21, 2026 | $18.60 |
| Apr 22, 2026 | $18.41 |
| Apr 23, 2026 | $18.52 |
| Apr 24, 2026 | $18.36 |
| Apr 27, 2026 | $18.56 |
| 4 days before | -1.12% |
| 4 days after | -0.215% |
| On release day | -1.02% |
| Change in period | -1.33% |
Bridgewater Bancshares Earnings Call Transcript Summary of Q1 2026
Bridgewater Bancshares reported a strong start to 2026 with near-term margin improvement, continued core deposit and loan growth, and stable credit metrics. Net interest margin expanded to 2.99% in Q1 (almost reaching management's 3.0% year-end target) driven by lower deposit costs and loan repricing. Management executed opportunistic balance sheet actions—selling $147M of Treasuries and $62M of municipals and prepaying $97.5M of FHLB advances—that generated $7.3M of pretax income, improved funding mix, and created capacity to redeploy into higher-yielding loans. Loans grew at a 5.5% annualized rate (notably strong affordable housing and C&I activity) while core deposits increased 3.2% annualized and deposit mix improved. Asset quality remained solid with NPAs at 0.22% and minimal net charge-offs; reserves were 1.31% of loans. CET1 rose to 9.53%; management has an ATM for up to $50M of common stock for optional capital (not executed in Q1). Management expects high single-digit loan growth for 2026, only modest further NIM expansion from the Q1 level absent additional rate cuts, and expense growth that should track asset growth over time.
