Bridgewater Bancshares, Inc. (BWB)
NASDAQ: BWB · Real-Time Price · USD
20.48
-0.02 (-0.10%)
Jul 31, 2026, 4:00 PM EDT - Market closed
Bridgewater Bancshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 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 | 5.35 | 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 | -14.73 | -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% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Loans Held-for-Investment | -347.05 | -438.81 | -26.25 | -157.87 | -749.94 | -492.63 |
Net Change in Securities and Investments | 216.67 | 22.9 | -79.91 | -49.64 | -229.34 | -53.79 |
Cash 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 | 8.13 | -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 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 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 | 1,289 | 1,313 | 997 | 679.5 | 158 | 29.31 |
Long-Term Debt Repaid | -1,302 | -1,245 | -957 | -457 | -127.25 | -26.25 |
Net Long-Term Debt Issued (Repaid) | -13.5 | 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 | -2.37 | -2.94 | -5.9 | -5.13 | -11.52 | -2.74 |
Net Common Stock Issued (Repurchased) | -0.29 | -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
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Cash Flow | 55.95 | -106.25 | 101.2 | 41.52 | -56.43 | -17.2 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Free Cash Flow | 29.21 | 21.97 | 42.3 | 27.05 | 83.37 | 53.46 |
Free Cash Flow Growth | -29.97% | -48.07% | 56.39% | -67.56% | 55.94% | - |
FCF Margin | 19.31% | 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 |