Bridgewater Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	132.44	102.19	105.17	129.7	109.51
Net Interest Income Growth	29.60%	-2.83%	-18.91%	18.44%	24.49%
Non-Interest Income	10.92	7.37	6.49	6.33	5.31
Non-Interest Income Growth	48.14%	13.48%	2.54%	19.27%	-9.08%
Revenues Before Loan Losses	143.35	109.56	111.67	136.03	114.82
Provision for Credit Losses	6.05	3.53	-0.18	7.7	5.15
Revenue	137.3	106.04	111.84	128.33	109.67
Revenue Growth (YoY)	29.49%	-5.19%	-12.85%	17.02%	35.30%
Compensation Expenses	47.4	39.56	36.54	36.94	30.89
Selling, General & Admin	22.38	19.57	18.71	15.03	12.62
Other Non-Interest Expenses	7.5	4.17	4.07	4.65	4.59
Total Non-Interest Expense	77.27	63.3	59.32	56.62	48.1
Pretax Income	60.03	42.74	52.52	71.71	61.57
Provision for Income Taxes	13.94	9.91	12.56	18.32	15.89
Net Income	42.03	28.77	35.91	49.34	44.52
Net Income Attributable to Preferred Dividends	4.05	4.05	4.05	4.05	1.17
Net Income to Common	42.03	28.77	35.91	49.34	44.52
Net Income Growth	46.10%	-19.87%	-27.22%	10.83%	63.70%
Shares Outstanding (Basic)	28	27	28	28	28
Shares Outstanding (Diluted)	28	28	28	29	29
Shares Change (YoY)	0.81%	-1.31%	-1.23%	-1.04%	-0.69%
EPS (Basic)	1.53	1.05	1.29	1.78	1.59
EPS (Diluted)	1.49	1.03	1.27	1.72	1.54
EPS Growth	44.66%	-18.90%	-26.16%	11.69%	65.59%
Free Cash Flow	21.97	42.3	27.05	83.37	53.46
Free Cash Flow Growth	-48.07%	56.39%	-67.56%	55.94%	-
Free Cash Flow Per Share	0.78	1.51	0.96	2.91	1.85
Profit Margin	33.57%	30.96%	35.73%	41.71%	41.66%
FCF Margin	16.00%	39.89%	24.18%	65.13%	48.75%
EBITDA	3.95	3.01	3.14	3.25	2.56
EBITDA Margin	2.87%	2.83%	2.81%	2.54%	2.33%
Effective Tax Rate	23.23%	23.19%	23.92%	25.54%	25.80%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q