Bridgewater Bancshares, Inc. (BWB)

Bridgewater Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	38.03	32.83	39.96	53.39	45.69	27.19
Depreciation & Amortization	3.69	3.01	3.14	3.25	2.56	1.4
Other Amortization	0.36	0.38	0.38	0.42	0.44	0.22
Gain (Loss) on Sale of Assets	-0.06	-0.06	0.02	0.02	-	0
Gain (Loss) on Sale of Investments	-2.55	-1.74	0.04	1.79	2.61	1.19
Provision for Credit Losses	5.68	3.53	-0.18	7.7	5.15	12.75
Accrued Interest Receivable	0.45	2.36	-20.9	-13.32	-4.06	-5.12
Other Operating Activities	-2.43	-1.3	-0.32	-2.16	-4.52	-2.59
Operating Cash Flow	40.05	46.38	30.02	85	54.24	23.02
Operating Cash Flow Growth	59.66%	54.51%	-64.69%	56.72%	135.61%	-41.76%
Capital Expenditures	-5.59	-4.08	-2.97	-1.63	-0.78	-24.69
Cash Acquisitions	17.28	17.28	-	-	-	-
Investment in Securities	-46.1	-77.96	-50.96	-164.9	-52.8	-97.26
Net Decrease (Increase) in Loans Originated / Sold - Investing	-226.44	-26.25	-157.87	-749.94	-492.63	-411.32
Other Investing Activities	-7.66	-4.23	2.63	-21.77	-25.22	2.93
Investing Cash Flow	-268.5	-95.24	-209.18	-938.24	-571.43	-530.33
Short-Term Debt Issued	-	-	-	287	-	-
Long-Term Debt Issued	-	997	679.5	171.75	29.31	148.78
Total Debt Issued	1,288	997	679.5	458.75	29.31	148.78
Short-Term Debt Repaid	-	-	-287	-	-	-
Long-Term Debt Repaid	-	-957	-457	-117.25	-37.25	-181
Total Debt Repaid	-1,142	-957	-744	-117.25	-37.25	-181
Net Debt Issued (Repaid)	146.35	40	-64.5	341.5	-7.94	-32.22
Issuance of Common Stock	1.06	0.76	0.96	0.58	0.72	0.32
Repurchase of Common Stock	-2.96	-5.9	-5.13	-11.52	-2.74	-10.37
Preferred Stock Issued	-	-	-	-	66.51	-
Preferred Dividends Paid	-4.05	-4.05	-4.05	-4.05	-1.17	-
Total Dividends Paid	-4.05	-4.05	-4.05	-4.05	-1.17	-
Net Increase (Decrease) in Deposit Accounts	171.46	119.25	293.41	470.31	444.6	678.33
Financing Cash Flow	311.85	150.06	220.69	796.81	499.99	636.05
Net Cash Flow	83.4	101.2	41.52	-56.43	-17.2	128.74
Free Cash Flow	34.46	42.3	27.05	83.37	53.46	-1.67
Free Cash Flow Growth	40.84%	56.39%	-67.56%	55.94%	-	-
Free Cash Flow Margin	28.88%	39.89%	24.18%	65.17%	49.00%	-2.08%
Free Cash Flow Per Share	1.23	1.51	0.95	2.91	1.84	-0.06
Cash Interest Paid	145.56	144.6	114.35	32.16	19.14	27
Cash Income Tax Paid	9.01	5.75	10.39	20.57	19.38	10.72

Updated May 1, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q