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Investor Relations14 Oct 2025
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Bankwell Financial Group (BWFG) investor relations material
Bankwell Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $9.1M ($1.15 per share), up from $1.1M in Q2 2024 and $6.9M in Q1 2025, driven by higher revenues, lower provision for credit losses, and improved funding costs.
Net interest margin expanded to 3.10%, with return on average assets at 1.14% and return on average equity at 12.98%.
Added five new private client deposit teams in 2025, expected to enhance deposit growth and funding profile.
Noninterest income grew 34% to $2M, driven by $1.1M in SBA loan sale gains.
Board declared a $0.20 per share cash dividend, payable August 22, 2025.
Financial highlights
Fully diluted EPS of $1.15, up 32% from the prior quarter, supported by higher net interest margin and noninterest income.
Pre-provision net revenue reached $11.4M ($1.46/share), up 21% from Q1; efficiency ratio improved to 56.1% from 59.9%.
Net interest income for Q2 2025 was $24.1M, up from $21.3M in Q2 2024; interest expense decreased by $1.7M year-over-year.
Noninterest expense for Q2 2025 was $14.5M, up $2.3M year-over-year, mainly from higher salaries and benefits.
Provision for credit losses was a credit of $0.4M in Q2 2025, compared to a provision of $8.2M in Q2 2024.
Outlook and guidance
2025 net interest income guidance raised to $97M–$98M; noninterest income guidance reiterated at $7M–$8M.
Noninterest expense guidance increased to $58M–$59M due to investments in personnel.
Management expects continued margin expansion, efficiency improvement, and profitability growth.
Deposit growth anticipated from new private banking teams, with greater impact in 2026.
Company is evaluating the impact of recent federal tax law changes, including bonus depreciation.
What is the long-term DDA to deposit target?
When will the remaining NPAs likely be resolved?
How will a Fed rate cut impact the margin?
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Next Bankwell Financial Group earnings date
Q3 202523 Oct, 2025
Next Bankwell Financial Group earnings date
Q3 202523 Oct, 2025
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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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