What is the long-term trend for Bridgewater Bancshares, Inc.'s provision for credit losses?

Over 2 years (2021 to 2023), Bridgewater Bancshares, Inc.'s provision for credit losses has grown at a -34.3% compound annual growth rate (CAGR), from $5.15M to -$2.23M.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Bridgewater Bancshares, Inc. BWB Provision for Credit Losses

Provision for Credit Losses at other companies

Wells Fargo & CompanyWFC

$1.14B+21.8%

RBB BancorpRBB

-$200K-103%

Great Southern BancorpGSBC

$0—

Southern Missouri BancorpSMBC

$2.08M+123%

Five Star BancorpFSBC

$2.68M+40.8%

First BancorpFBNC

$3.08M+176%

Other financials

Income statement

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Revenue$46.2M+43.1%

Net income$17.4M+80.7%

EPS (diluted)$0.58+87.1%

Balance sheet

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Cash & equivalents$222.2M+33.7%

Total debt$1.4M-8.5%

Total equity$528.4M+12.7%

Total assets$5.3B+3.9%

Cash flow

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Operating cash flow$16.0M+125%

CapEx$1.8M+241%

Free cash flow$14.2M+115%

Valuation

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Market cap$574.68M+39.4%

P/E10.7×-4.7×

P/S3.7×+0.1×

Profitability

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Net margin34.2%+11.1pp

FCF margin18.8%—

Returns & leverage

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Return on equity10.8%+4.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Bridgewater Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

The official record: Bridgewater Bancshares, Inc.’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bridgewater Bancshares, Inc.'s provision for credit losses?: Bridgewater Bancshares, Inc. (BWB) reported provision for credit losses of -$150K in Q1 2026.
What is the long-term trend for Bridgewater Bancshares, Inc.'s provision for credit losses?: Over 2 years (2021 to 2023), Bridgewater Bancshares, Inc.'s provision for credit losses has grown at a -34.3% compound annual growth rate (CAGR), from $5.15M to -$2.23M.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.