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Bridgewater Bancshares Earnings Calls
| 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% |
| Release date | Apr 23, 2025 |
| EPS estimate | $0.290 |
| EPS actual | $0.320 |
| EPS Surprise | 10.34% |
| Revenue estimate | 29.867M |
| Revenue actual | 31.836M |
| Revenue Surprise | 6.59% |
| Release date | Jan 30, 2025 |
| EPS estimate | $0.240 |
| EPS actual | $0.270 |
| EPS Surprise | 12.50% |
| Revenue estimate | 26.7M |
| Revenue actual | 29.074M |
| Revenue Surprise | 8.89% |
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 | Jan 30, 2025 |
| Price on release | $14.22 |
| EPS estimate | $0.240 |
| EPS actual | $0.270 |
| EPS surprise | 12.50% |
| Date | Price |
|---|---|
| Jan 24, 2025 | $13.54 |
| Jan 27, 2025 | $13.95 |
| Jan 28, 2025 | $13.66 |
| Jan 29, 2025 | $13.70 |
| Jan 30, 2025 | $14.22 |
| Jan 31, 2025 | $14.12 |
| Feb 03, 2025 | $13.78 |
| Feb 04, 2025 | $14.25 |
| Feb 05, 2025 | $14.61 |
| 4 days before | 5.02% |
| 4 days after | 2.74% |
| On release day | -0.703% |
| Change in period | 7.90% |
| Release date | Apr 23, 2025 |
| Price on release | $13.51 |
| EPS estimate | $0.290 |
| EPS actual | $0.320 |
| EPS surprise | 10.34% |
| Date | Price |
|---|---|
| Apr 16, 2025 | $13.04 |
| Apr 17, 2025 | $13.22 |
| Apr 21, 2025 | $12.59 |
| Apr 22, 2025 | $12.88 |
| Apr 23, 2025 | $13.51 |
| Apr 24, 2025 | $13.82 |
| Apr 25, 2025 | $14.40 |
| Apr 28, 2025 | $15.19 |
| Apr 29, 2025 | $15.25 |
| 4 days before | 3.60% |
| 4 days after | 12.88% |
| On release day | 2.29% |
| Change in period | 16.95% |
| 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% |
Bridgewater Bancshares Earnings Call Transcript Summary of Q3 2025
Bridgewater reported continued profitable growth in 3Q25 driven by strong core deposit inflows (11.5% annualized in the quarter) and solid loan growth (6.6% annualized in the quarter; 12% annualized YTD). Net interest income rose driven by 16% annualized earning asset growth and modest NIM expansion (to 2.63%). Management reiterated a clear path to further NIM expansion — targeting a 3.0% margin by early 2027 — based on loan repricing and expected deposit cost relief from Fed cuts. Asset quality remains strong (NPAs 0.19% of assets, net charge-offs 0.03% of loans) with conservative reserves (ACL 1.34%). Third‑quarter results included elevated noninterest expense related to systems conversions, redundancy and opportunistic hiring/marketing; management expects expenses to normalize and grow in line with assets going forward. Capital remains stable (CET1 ~9.08%); share repurchases were paused this quarter given organic growth (about $13.1M remaining authorization). Strategic priorities: continue to take market share in the Twin Cities (including M&A disruption opportunities), expand affordable housing lending (nationally and locally), complete branch optimization and open a De Novo in early 2026, and pursue a goal of becoming a $10B bank by 2030.
