Bridgewater Bancshares' Q4 adjusted EPS beats estimates on higher noninterest income

Bridgewater Bancshares

27/01/2026 21:26

Overview

Minnesota-based bank's Q4 adjusted EPS beat analyst expectations

Net interest income rose 4.7% from Q3 2025

Company completed closure of a branch acquired from FMCB

Outlook

Bridgewater Bancshares focuses on profitable growth and market share expansion in 2026

Company aims to expand affordable housing vertical, a key growth driver in 2025

Bridgewater Bancshares expects continued growth and net interest margin expansion

Result Drivers

NET INTEREST INCOME - Growth in loan portfolio and lower deposit rates drove a 4.7% increase in net interest income from Q3 2025

NONINTEREST INCOME - Higher swap and letter of credit fees contributed to a 52.7% increase in noninterest income from Q3 2025

LOAN AND DEPOSIT GROWTH - Gross loans increased by $95.0 mln and core deposits by $72.6 mln annualized from Q3 2025

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$0.44
$0.41 (4 Analysts)
Q4 EPS
$0.43
Q4 Net Income
$13.30 mln
Q4 Net Interest Income
$35.70 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Bridgewater Bancshares Inc is $20.50, about 11.7% above its January 26 closing price of $18.36

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nBwcgbHHfa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)