Bridgewater Bancshares (NASDAQ: BWB) details Q4 2025 results and preferred dividend

Rhea-AI Filing Summary

Bridgewater Bancshares, Inc. filed a Form 8-K to report that it has released its financial results for the three and twelve months ended December 31, 2025 and made the related earnings materials available. The company furnished a press release as Exhibit 99.1 and an earnings presentation as Exhibit 99.2, both provided as supplemental information rather than being treated as filed financial statements. The filing also announces that the Board of Directors declared a quarterly cash dividend on the 5.875% Non-Cumulative Perpetual Preferred Stock, Series A of $36.72 per share, equivalent to $0.3672 per depositary share, payable on March 2, 2026 to shareholders of record as of February 13, 2026.

8-K Event Classification

4 items: 2.02, 7.01, 8.01, 9.01

4 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

0001341317false0001341317us-gaap:CommonStockMember2026-01-272026-01-270001341317bwb:DepositarySharesMember2026-01-272026-01-2700013413172026-01-272026-01-27

​

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

​

FORM 8-K
CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

​

January 27, 2026

Date of Report

(Date of earliest event reported)

​

BRIDGEWATER BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

​

​ ​ ​	​ ​	​ ​ ​
Minnesota (State or other jurisdiction of incorporation)	001-38412 (Commission File Number)	26-0113412 (I.R.S. Employer Identification No.)
​	4450 Excelsior Boulevard, Suite 100 St. Louis Park, Minnesota (Address of principal executive offices)	55416 (Zip Code)

​

Registrant’s telephone number, including area code: (952) 893-6868

​

Not Applicable
(Former name or former address, if changed since last report.)

​

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

​

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

​

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

​

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

​

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

​

Securities registered pursuant to Section 12(b) of the Act:

​

Title of each class:		Trading Symbol	​ ​ ​	Name of each exchange on which registered:
Common Stock, $0.01 Par Value Depositary Shares, each representing a 1/100th interest in a share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A		BWB BWBBP		The NASDAQ Stock Market LLC The NASDAQ Stock Market LLC

​

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

​

Emerging growth company ☐

​

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

​

​

​

Item 2.02           Results of Operations and Financial Condition.

On January 27, 2026, Bridgewater Bancshares, Inc. (the “Company”) issued a press release announcing its financial results as of and for the three and twelve months ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The information furnished in this item of this Form 8-K, and the related exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 7.01           Regulation FD Disclosure.

The Company hereby furnishes the Earnings Presentation attached hereto as Exhibit 99.2.

The information furnished in this item of this Form 8-K, and the related exhibits, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 8.01           Other Events.

On January 27, 2026, in its 2025 fourth quarter earnings release, the Company announced that its Board of Directors had declared a quarterly cash dividend on its 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Stock”). The quarterly cash dividend of $36.72 per share, equivalent to $0.3672 per depository share, each representing a 1/100^th interest in a share of the Series A Preferred Stock (Nasdaq: BWBBP), is payable on March 2, 2026, to shareholders of record of the Series A Preferred Stock at the close of business on February 13, 2026. 

​

​

​

Item 9.01           Financial Statements and Exhibits.

(d)          Exhibits

Exhibit 99.1 Press Release of Bridgewater Bancshares, Inc., dated January 27, 2026, regarding fourth quarter 2025 financial results

Exhibit 99.2 Earnings Presentation dated January 27, 2026

Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

​	​
​	Bridgewater Bancshares, Inc.
​	​
​	​
Date: January 27, 2026	​
​	By: /s/ Jerry Baack
​	Name: Jerry Baack
​	Title: Chairman and Chief Executive Officer

​

​

​

​

3

FAQ

What did Bridgewater Bancshares (BWB) disclose in this Form 8-K?

The company disclosed that it issued a press release with its financial results for the three and twelve months ended December 31, 2025 and furnished an accompanying earnings presentation, and it also announced a quarterly dividend on its Series A Preferred Stock.

What dividend did Bridgewater Bancshares declare on its Series A Preferred Stock?

The Board declared a quarterly cash dividend of $36.72 per share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A, equivalent to $0.3672 per depositary share (each representing a 1/100th interest in a share).

When is the Bridgewater Bancshares Series A Preferred dividend record and payment date?

The dividend on the Series A Preferred Stock is payable on March 2, 2026 to shareholders of record as of the close of business on February 13, 2026.

Which exhibits did Bridgewater Bancshares include with this 8-K?

Bridgewater Bancshares furnished a press release announcing its financial results as Exhibit 99.1 and an earnings presentation as Exhibit 99.2.

Are the earnings materials in this Bridgewater Bancshares 8-K considered filed with the SEC?

The company states that the information in Items 2.02 and 7.01 and the related exhibits is being furnished, not filed, for purposes of Section 18 of the Exchange Act and will only be incorporated by reference in other filings if specifically referenced.

Which securities of Bridgewater Bancshares are listed on NASDAQ?

The company lists its Common Stock (trading symbol BWB) and Depositary Shares representing 1/100th interest in a share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (trading symbol BWBBP) on The NASDAQ Stock Market LLC.