Bridgewater Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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 Interest Income	144.99	132.44	102.19	105.17	129.7	109.51
Net Interest Income Growth	25.83%	29.60%	-2.83%	-18.91%	18.44%	24.49%
Non-Interest Income	17.1	10.92	7.37	6.49	6.33	5.31
Non-Interest Income Growth	92.97%	48.14%	13.48%	2.54%	19.27%	-9.08%
Revenues Before Loan Losses	162.09	143.35	109.56	111.67	136.03	114.82
Provision for Credit Losses	4.3	6.05	3.53	-0.18	7.7	5.15
Revenue	157.79	137.3	106.04	111.84	128.33	109.67
Revenue Growth	33.26%	29.49%	-5.19%	-12.85%	17.02%	35.30%
Compensation Expenses	52.07	47.4	39.56	36.54	36.94	30.89
Selling, General & Admin	23.75	22.38	19.57	18.71	15.03	12.62
Other Non-Interest Expenses	7.46	7.5	4.17	4.07	4.65	4.59
Total Non-Interest Expense	84.26	77.27	63.3	59.32	56.62	48.1
Pretax Income	73.53	60.03	42.74	52.52	71.71	61.57
Provision for Income Taxes	17.18	13.94	9.91	12.56	18.32	15.89
Net Income	56.35	46.09	32.83	39.96	53.39	45.69
Net Income Attributable to Preferred Dividends	4.05	4.05	4.05	4.05	4.05	1.17
Net Income to Common	52.29	42.03	28.77	35.91	49.34	44.52
Net Income Growth	53.91%	46.10%	-19.87%	-27.22%	10.83%	63.70%
Shares Outstanding (Basic)	28	28	27	28	28	28
Shares Outstanding (Diluted)	28	28	28	28	29	29
Shares Change	1.46%	0.81%	-1.31%	-1.23%	-1.04%	-0.69%
EPS (Basic)	1.89	1.53	1.05	1.29	1.78	1.59
EPS (Diluted)	1.84	1.49	1.03	1.27	1.72	1.54
EPS Growth	50.82%	44.66%	-18.90%	-26.16%	11.69%	65.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	-	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	35.71%	33.57%	30.96%	35.73%	41.61%	41.66%
FCF Margin	-	16.00%	39.89%	24.18%	64.96%	48.75%
Effective Tax Rate	23.37%	23.23%	23.19%	23.92%	25.54%	25.80%

SEC Filings: 10-K · 10-Q