EPS: As of FY2025 Q1, the actual value is USD 0.31, beating the estimate of USD 0.2833.EBIT: As of FY2025 Q1, the actual value is USD 12.65 K.<h3>Segment Revenue</h3><ul><li>Interest Income: Total interest income for the first quarter of 2025 was $65.7 million, compared to $58.7 million for the first quarter of 2024, reflecting an increase primarily due to growth in the loan portfolio and higher earning asset yields.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Net income for the first quarter of 2025 was $9.6 million, compared to $7.8 million for the first quarter of 2024.</li><li>Net Interest Income: Net interest income for the first quarter of 2025 was $30.2 million, an increase of $5.6 million compared to $24.6 million for the first quarter of 2024.</li><li>Provision for Credit Losses: The provision for credit losses on loans and leases was $1.5 million for the first quarter of 2025, compared to $850,000 for the first quarter of 2024.</li><li>Noninterest Income: Noninterest income was $2.1 million for the first quarter of 2025, an increase of $529,000 from $1.6 million for the first quarter of 2024.</li><li>Noninterest Expense: Noninterest expense was $18.1 million for the first quarter of 2025, an increase of $2.9 million from $15.2 million for the first quarter of 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: Net cash provided by operating activities was $7.5 million for the first quarter of 2025, compared to $7.2 million for the first quarter of 2024.</li><li>Net Cash Used in Investing Activities: Net cash used in investing activities was - $135.1 million for the first quarter of 2025, compared to - $83.9 million for the first quarter of 2024.</li><li>Net Cash Provided by Financing Activities: Net cash provided by financing activities was $64.1 million for the first quarter of 2025, compared to $91.5 million for the first quarter of 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Loan Portfolio: Total gross loans at March 31, 2025 were $4.02 billion, an increase of $151.6 million, or 3.9%, over total gross loans of $3.87 billion at December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The acquisition of FMCB aligns with and accelerates the Company’s strategic priorities, including its focus on continued growth within the Twin Cities market.</li><li>Non-Core Business: The acquisition also added an investment advisory business that offers nondeposit investment products through a third-party arrangement.</li></ul><h3>Priority</h3><ul><li>Efficiency Ratio: The efficiency ratio was 55.5% for the first quarter of 2025, compared to 58.2% for the first quarter of 2024, indicating improved operational efficiency.</li></ul>

Bridgewater Bancshares | 10-Q: FY2025 Q1 EPS Beats Estimate at USD 0.31