Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $13.2M | $16.9M | $26.9M | $31.4M | $27.2M | $45.7M | $53.4M | $40.0M | $32.8M | $46.1M |
| EPS (diluted) | $0.58 | $0.68 | $0.91 | $1.05 | $0.93 | $1.54 | $1.72 | $1.27 | $1.03 | $1.49 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $14.9M | $24.9M | $29.4M | $39.5M | $23.0M | $54.2M | $85.0M | $30.0M | $46.4M | $27.8M |
| Capital expenditures | $2.19M | $1.24M | $3.72M | $15.6M | $24.7M | $777K | $1.63M | $2.97M | $4.08M | $5.85M |
| Free cash flow | $12.7M | $23.7M | $25.7M | $24.0M | -$1.67M | $53.5M | $83.4M | $27.0M | $42.3M | $22.0M |
| Share buybacks | $192K | — | — | $15.0M | $10.3M | $2.30M | $10.8M | $4.54M | $5.19M | $2.19M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $16.5M | $23.7M | $28.4M | $31.9M | $161M | $143M | $87.0M | $129M | $230M | $124M |
| Total assets | — | $1.62B | $1.97B | $2.27B | $2.93B | $3.48B | $4.35B | $4.61B | $5.07B | $5.41B |
| Total liabilities | — | $1.48B | $1.75B | $2.02B | $2.66B | $3.10B | $3.95B | $4.19B | $4.61B | $4.89B |
| Shareholders' equity | $115M | $137M | $221M | $245M | $265M | $379M | $394M | $426M | $458M | $517M |
| Retained earnings | — | $69.5M | $96.2M | $128M | $155M | $199M | $249M | $281M | $309M | $351M |
| Shares (wtd avg diluted) | 22.6M | 25.0M | 29.4M | 30.0M | 29.2M | 29.0M | 28.7M | 28.3M | 27.9M | 28.2M |
Every figure is extracted from Bridgewater Bancshares Inc’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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