EPS: As of FY2025 Q2, the actual value is USD 0.38.<h3>Segment Revenue</h3><ul><li>Interest Income: Total interest income for the three months ended June 30, 2025, was $69,198,000, compared to $60,878,000 for the same period in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Net income for the three months ended June 30, 2025, was $11,520,000, compared to $8,115,000 for the same period in 2024.</li><li>Provision for Credit Losses: The provision for credit losses was $2,000,000 for the three months ended June 30, 2025, compared to $600,000 for the same period in 2024.</li><li>Noninterest Income: Total noninterest income for the three months ended June 30, 2025, was $3,627,000, compared to $1,763,000 for the same period in 2024.</li><li>Noninterest Expense: Total noninterest expense for the three months ended June 30, 2025, was $18,941,000, compared to $15,539,000 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: Net cash provided by operating activities for the six months ended June 30, 2025, was $11,459,000, compared to $17,785,000 for the same period in 2024.</li><li>Net Cash Used in Investing Activities: Net cash used in investing activities for the six months ended June 30, 2025, was -$243,566,000, compared to -$70,301,000 for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: Net cash provided by financing activities for the six months ended June 30, 2025, was $219,842,000, compared to $58,047,000 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses on loans was $55,765,000 as of June 30, 2025, compared to $52,277,000 as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to focus on continued growth within the Twin Cities market, leveraging the acquisition of First Minnetonka City Bank to enhance its strategic priorities.</li><li>Non-Core Business: The company is evaluating the impact of the ‘One Big Beautiful Bill Act’ on future periods, which includes changes to federal tax law that may allow for more favorable deductibility of certain business expenses beginning in 2025.</li></ul>

Bridgewater Bancshares Pref Share BWBBP 5.875 Perp 08/17/26 | 10-Q: FY2025 Q2 EPS: USD 0.38