<span item_type="fundamental" item_id="f8e066e7c7e4dc2fc325cb3121acab17" counter_id="ST/US/BWFG" env="prod"></span><span item_type="announcement" item_id="579495786493970689" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 53.09 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 1.27, beating the estimate of USD 1.06.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -12.51 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest and Fees on Loans</strong>: $46,328 thousand for the three months ended September 30, 2025, compared to $43,596 thousand for the same period in 2024. For the nine months ended September 30, 2025, interest and fees on loans were $133,931 thousand, compared to $129,981 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: $25,987 thousand for the three months ended September 30, 2025, compared to $20,717 thousand for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $71,989 thousand, compared to $63,083 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li><li><strong>Net Income</strong>: $10,078 thousand for the three months ended September 30, 2025, compared to $1,926 thousand for the same period in 2024. For the nine months ended September 30, 2025, net income was $26,054 thousand, compared to $6,807 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: $20,726 thousand for the nine months ended September 30, 2025, compared to $15,621 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li><li><strong>Net Cash Provided by Investing Activities</strong>: $18,301 thousand for the nine months ended September 30, 2025, compared to $62,002 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li><li><strong>Net Cash Used in Financing Activities</strong>: -$51,191 thousand for the nine months ended September 30, 2025, compared to -$55,443 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Provision for Credit Losses</strong>: $372 thousand for the three months ended September 30, 2025, compared to $6,296 thousand for the same period in 2024. For the nine months ended September 30, 2025, provision for credit losses was $424 thousand, compared to $18,162 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company aims to be the banking provider of choice by offering responsive, client-centric products and services, pursuing organic growth and strategic acquisitions, utilizing efficient and scalable infrastructure, and maintaining a disciplined focus on risk management.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li><li><strong>Priority</strong>: The company emphasizes strategies with concrete projections such as maintaining appropriate regulatory leverage and risk-based capital ratios, and improving net interest margin, efficiency ratio, and return on average assets and equity.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1505732/000150573225000162/bwfg-20250930.htm"></span></li></ul>

Bankwell Financial | 10-Q: FY2025 Q3 Revenue: USD 53.09 M