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Bankwell Financial Group (BWFG) investor relations material
Bankwell Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
GAAP net income for Q3 2025 was $10.1 million ($1.27/share), up from $9.1 million ($1.15/share) in Q2 2025, driven by higher revenues and lower provision for credit losses.
Pre-provision net revenue (PPNR) rose 21% sequentially to $13.9 million, reflecting strong core earnings growth.
Return on average assets increased to 1.24% in Q3 2025 from 1.14% in Q2 2025.
Board declared a $0.20 per share cash dividend, payable November 2025.
Financial highlights
Net interest income for Q3 2025 was $26.1 million, up from $23.9 million in Q2 2025 and $20.8 million in Q3 2024.
Noninterest income rose to $2.5 million, mainly from $1.4 million in SBA loan sales gains.
Net interest margin expanded to 3.34%, up 24 bps from Q2 2025 and 62 bps year-over-year.
Efficiency ratio improved to 51.4% from 56.1% in Q2 2025 and 58.7% in Q3 2024.
Tangible book value per share increased to $36.84, up $1.19 sequentially.
Outlook and guidance
Loan growth guidance revised to flat for the year due to elevated payoffs; payoffs expected to remain high.
Non-interest income guidance affirmed at $7–$8 million for the year; SBA program resumption could add to this.
Net interest income guidance maintained at $97–$98 million; non-interest expense guidance at $58–$59 million.
Management expects continued positive momentum into year-end 2025, with 2026 guidance to be provided with year-end results.
Interest rate risk simulations indicate modest sensitivity, with net interest income projected to increase 1.4% for a 200 bps rate rise.
Special Mention loan balance trend?
Core NIM excluding non-recurring items?
Explain the reduction in brokered deposits.
SBA division's future growth potential?
Core deposit teams: timeline for full impact?
Strategy behind encouraging loan payoffs?
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Next Bankwell Financial Group earnings date
Q4 202523 Jan, 2026
Next Bankwell Financial Group earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Bankwell Financial Group Inc. is a bank holding company that operates primarily through its subsidiary, Bankwell Bank. The company offers a range of banking products and services, including commercial and residential real estate loans, business loans, and consumer lending. It also provides deposit products such as checking, savings, and money market accounts, along with certificates of deposit. Bankwell Financial Group serves individuals, small to medium-sized businesses, and commercial real estate clients. The company is headquartered in New Canaan, Connecticut, and its shares are listed on the NASDAQ.
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