---
title: "Bridgewater Bancshares | 10-Q: FY2025 Q1 EPS Beats Estimate at USD 0.31"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/238431549.md"
published_at: "2025-05-01T11:07:54.000Z"
---

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

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.

### Segment Revenue

-   **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.

### Operational Metrics

-   **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.
-   **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.
-   **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.
-   **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.
-   **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.

### Cash Flow

-   **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.
-   **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.
-   **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.

### Unique Metrics

-   **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.

### Future Outlook and Strategy

-   **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.
-   **Non-Core Business**: The acquisition also added an investment advisory business that offers nondeposit investment products through a third-party arrangement.

### Priority

-   **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.

### Related Stocks

- [BWB.US - Bridgewater Bancshares](https://longbridge.com/en/quote/BWB.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| Bridgewater Bancshares (NASDAQ:BWB) Director Sells $185,839.82 in Stock | Bridgewater Bancshares, Inc. (NASDAQ:BWB) Director Jeffrey Shellberg sold 9,838 shares at an average price of $18.89, to | [Link](https://longbridge.com/en/news/275185070.md) |
| Director James S. Johnson Reports Sale of Bridgewater Bancshares Inc. Common Shares | James S. Johnson, Director of Bridgewater Bancshares Inc., reported the sale of common shares of the company. The full f | [Link](https://longbridge.com/en/news/275181791.md) |
| ConocoPhillips considers selling Permian assets worth $2 billion, Bloomberg News reports | Feb 20 (Reuters) - ConocoPhillipsis exploring a sale of some of its Permian Basin assets as part of a broader streamlini | [Link](https://longbridge.com/en/news/276478732.md) |
| IronBridge Private Wealth LLC Has $905,000 Holdings in Apple Inc. $AAPL | IronBridge Private Wealth LLC reduced its stake in Apple Inc. (NASDAQ:AAPL) by 77.3% in Q3, holding 3,555 shares valued  | [Link](https://longbridge.com/en/news/276436345.md) |
| Financial Advocates Investment Management Lowers Stock Position in Meta Platforms, Inc. $META | Financial Advocates Investment Management reduced its stake in Meta Platforms, Inc. by 66.7% in Q3, now holding 2,343 sh | [Link](https://longbridge.com/en/news/276432394.md) |

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.