Financial insights of BWFG

MyFinsight

For the quarter ending 2025-09-30, BWFG made $92,336K in revenue. $10,078K in net income. Net profit margin of 10.91%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	46,328	44,128	43,475	43,596
Interest and dividends on securities	1,410	1,478	1,445	1,390
Interest on cash and cash equivalents	2,853	3,043	3,557	3,205
Total interest and dividend income	50,591	48,649	48,477	48,191
Interest expense on deposits	22,585	23,083	24,772	25,579
Interest expense on borrowings	2,019	1,630	1,639	1,895
Total interest expense	24,604	24,713	26,411	27,474
Net interest income	25,987	23,936	22,066	20,717
Provision for credit losses	372	-411	463	6,296
Net interest income after provision for credit losses	25,615	24,347	21,603	14,421
Bank-owned life insurance	359	352	344	346
Service charges and fees	779	674	602	575
Gains and fees from sales of loans	1,372	1,080	442	133
Other	-15	-94	117	102
Total noninterest income	2,495	2,012	1,505	1,156
Salaries and employee benefits	7,995	7,521	7,052	6,223
Occupancy and equipment	2,469	2,505	2,575	2,334
Professional services	1,412	1,632	1,529	1,142
Data processing	633	712	885	851
Director fees	333	333	348	292
Fdic insurance	610	684	779	853
Marketing	140	218	142	73
Other	1,039	941	831	1,097
Total noninterest expense	14,631	14,546	14,141	12,865
Income before income tax expense	13,479	11,813	8,967	2,712
Income tax expense	3,401	2,725	2,079	786
Net income	10,078	9,088	6,888	1,926

Basic (in dollars per share)	1.28	1.16	0.88	0.24
Basic (in shares)	7,774,887	7,777,469	7,670,224	7,715,040
Diluted (in dollars per share)	1.27	1.15	0.87	0.24
Diluted (in shares)	7,844,785	7,819,828	7,740,521	7,720,895