Bridgewater Bancshares, Inc. (BWB)

Bridgewater Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	53.86	46.09	32.83	39.96	53.39	45.69
Depreciation & Amortization	3.51	3.95	3.01	3.14	3.25	2.56
Provision for Credit Losses	5.75	6.05	3.53	-0.18	8.03	5.15
Stock-Based Compensation	4.48	4.2	3.91	3.95	3.34	2.43
Other Adjustments	-14.92	-9.24	-2.72	0.13	0.06	-1.47
Changes in Accrued Interest and Accounts Receivable	-8.21	-13.95	2.36	-20.9	-13.31	-4.06
Changes in Accounts Payable	-6.42	-9.29	3.48	3.91	30.58	3.95
Operating Cash Flow	36.34	27.81	46.38	30.02	85	54.24
Operating Cash Flow Growth	-21.53%	-40.03%	54.51%	-64.69%	56.72%	135.61%
Net Change in Loans Held-for-Investment	-347.05	-438.81	-26.25	-157.87	-749.94	-492.63
Net Change in Securities and Investments	219.39	22.9	-79.91	-49.64	-229.34	-53.79
Payments for Business Acquisitions	-	-	17.28	-	-7.41	-
Capital Expenditures	-7.14	-5.85	-4.08	-2.97	-1.63	-0.78
Sale of Property, Plant & Equipment	-	0.19	0.5	0.12	-	-
Other Investing Activities	7.31	-4.63	5.96	1.18	50.08	-24.23
Investing Cash Flow	-120.67	-417.47	-95.24	-209.18	-938.24	-571.43
Net Change in Deposits	143.05	233.6	119.25	293.41	470.31	444.6
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	-287	287	-11
Short-Term Debt Issued	-	-	-	-	13.75	-
Short-Term Debt Repaid	-	-13.75	-	-	-	-
Net Short-Term Debt Issued (Repaid)	-	-13.75	-	-	13.75	-
Long-Term Debt Issued	1,328	1,313	997	679.5	158	29.31
Long-Term Debt Repaid	-1,327	-1,245	-957	-457	-127.25	-26.25
Net Long-Term Debt Issued (Repaid)	0.68	68.61	40	222.5	30.75	3.06
Issuance of Common Stock	2.09	1.94	0.76	0.96	0.58	0.72
Repurchase of Common Stock	-2.48	-2.94	-5.9	-5.13	-11.52	-2.74
Net Common Stock Issued (Repurchased)	-0.39	-1	-5.14	-4.16	-10.94	-2.02
Issuance of Preferred Stock	-	-	-	-	-	66.51
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	66.51
Preferred Share Dividends Paid	-4.05	-4.05	-4.05	-4.05	-4.05	-1.17
Financing Cash Flow	139.94	283.41	150.06	220.69	796.81	499.99
Net Cash Flow	55.95	-106.25	101.2	41.52	-56.43	-17.2
Free Cash Flow	29.21	21.97	42.3	27.05	83.37	53.46
Free Cash Flow Growth	32.96%	-48.07%	56.39%	-67.56%	55.94%	-
FCF Margin	19.27%	16.00%	39.89%	24.18%	64.96%	48.75%
Free Cash Flow Per Share	1.03	0.78	1.51	0.96	2.91	1.85
Levered Free Cash Flow	32.24	71.75	73.54	241.58	112.72	49.24
Unlevered Free Cash Flow	-18.25	-25.14	4.77	-16.82	18.89	1.67

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q