BRIDGEWATER BANCSHARES INC (BWB) Fundamental Analysis & Valuation

NASDAQ:BWB • US1086211034

Current stock price

16.87 USD
+0.02 (+0.12%)
Last:

This BWB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BWB Profitability Analysis

1.1 Basic Checks

  • BWB had positive earnings in the past year.
  • BWB had a positive operating cash flow in the past year.
  • Each year in the past 5 years BWB has been profitable.
  • BWB had a positive operating cash flow in 4 of the past 5 years.
BWB Yearly Net Income VS EBIT VS OCF VS FCFBWB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.69%, BWB is doing worse than 70.08% of the companies in the same industry.
  • BWB's Return On Equity of 7.42% is on the low side compared to the rest of the industry. BWB is outperformed by 66.14% of its industry peers.
Industry RankSector Rank
ROA 0.69%
ROE 7.42%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.91%
ROE(3y)7.62%
ROE(5y)9.42%
ROIC(3y)N/A
ROIC(5y)N/A
BWB Yearly ROA, ROE, ROICBWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BWB has a Profit Margin of 27.54%. This is in the better half of the industry: BWB outperforms 64.57% of its industry peers.
  • In the last couple of years the Profit Margin of BWB has remained more or less at the same level.
  • BWB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.83%
PM growth 5Y0.22%
GM growth 3YN/A
GM growth 5YN/A
BWB Yearly Profit, Operating, Gross MarginsBWB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

2. BWB Health Analysis

2.1 Basic Checks

  • BWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BWB has more shares outstanding than it did 1 year ago.
  • BWB has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BWB is higher compared to a year ago.
BWB Yearly Shares OutstandingBWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
BWB Yearly Total Debt VS Total AssetsBWB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • BWB has a debt to FCF ratio of 2.23. This is a good value and a sign of high solvency as BWB would need 2.23 years to pay back of all of its debts.
  • BWB has a Debt to FCF ratio of 2.23. This is comparable to the rest of the industry: BWB outperforms 45.93% of its industry peers.
  • BWB has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • BWB has a Debt to Equity ratio (0.22) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.23
Altman-Z N/A
ROIC/WACCN/A
WACC17.39%
BWB Yearly LT Debt VS Equity VS FCFBWB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BWB Yearly Current Assets VS Current LiabilitesBWB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. BWB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 48.04% over the past year.
  • The Earnings Per Share has been growing by 10.18% on average over the past years. This is quite good.
  • BWB shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.84%.
  • Measured over the past years, BWB shows a quite strong growth in Revenue. The Revenue has been growing by 8.85% on average per year.
EPS 1Y (TTM)48.04%
EPS 3Y-4.25%
EPS 5Y10.18%
EPS Q2Q%69.23%
Revenue 1Y (TTM)30.84%
Revenue growth 3Y1.77%
Revenue growth 5Y8.85%
Sales Q2Q%31.64%

3.2 Future

  • Based on estimates for the next years, BWB will show a very strong growth in Earnings Per Share. The EPS will grow by 21.79% on average per year.
  • The Revenue is expected to grow by 15.57% on average over the next years. This is quite good.
EPS Next Y25.43%
EPS Next 2Y21.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.89%
Revenue Next 2Y15.57%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BWB Yearly Revenue VS EstimatesBWB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
BWB Yearly EPS VS EstimatesBWB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. BWB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.17, the valuation of BWB can be described as very reasonable.
  • BWB's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of BWB to the average of the S&P500 Index (25.79), we can say BWB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.91, the valuation of BWB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BWB indicates a somewhat cheap valuation: BWB is cheaper than 69.55% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.80. BWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.17
Fwd PE 8.91
BWB Price Earnings VS Forward Price EarningsBWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BWB indicates a somewhat cheap valuation: BWB is cheaper than 67.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.64
EV/EBITDA N/A
BWB Per share dataBWB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • BWB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BWB's earnings are expected to grow with 21.79% in the coming years.
PEG (NY)0.44
PEG (5Y)1.1
EPS Next 2Y21.79%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BWB Dividend Analysis

5.1 Amount

  • BWB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BWB Fundamentals: All Metrics, Ratios and Statistics

BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (3/19/2026, 11:11:03 AM)

16.87

+0.02 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners63.9%
Inst Owner Change4.35%
Ins Owners19.35%
Ins Owner Change-22.86%
Market Cap469.32M
Revenue(TTM)143.35M
Net Income(TTM)36.90M
Analysts77.5
Price Target22.82 (35.27%)
Short Float %1.66%
Short Ratio4.37
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP10.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.27%
Min EPS beat(2)-2.16%
Max EPS beat(2)6.7%
EPS beat(4)3
Avg EPS beat(4)6.71%
Min EPS beat(4)-2.16%
Max EPS beat(4)16.48%
EPS beat(8)5
Avg EPS beat(8)5.57%
EPS beat(12)7
Avg EPS beat(12)4.87%
EPS beat(16)9
Avg EPS beat(16)3.63%
Revenue beat(2)1
Avg Revenue beat(2)1.67%
Min Revenue beat(2)-1.93%
Max Revenue beat(2)5.27%
Revenue beat(4)3
Avg Revenue beat(4)2.46%
Min Revenue beat(4)-1.93%
Max Revenue beat(4)5.27%
Revenue beat(8)3
Avg Revenue beat(8)0.18%
Revenue beat(12)3
Avg Revenue beat(12)-1.51%
Revenue beat(16)5
Avg Revenue beat(16)-1.07%
PT rev (1m)0%
PT rev (3m)8.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)0%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.94%
Revenue NY rev (3m)3.49%
Valuation
Industry RankSector Rank
PE 11.17
Fwd PE 8.91
P/S 3.5
P/FCF 9.64
P/OCF 8.47
P/B 0.94
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)1.51
EY8.95%
EPS(NY)1.89
Fwd EY11.23%
FCF(TTM)1.75
FCFY10.37%
OCF(TTM)1.99
OCFY11.81%
SpS4.82
BVpS17.88
TBVpS17.19
PEG (NY)0.44
PEG (5Y)1.1
Graham Number24.65
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 7.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.54%
GM N/A
FCFM 36.33%
ROA(3y)0.71%
ROA(5y)0.91%
ROE(3y)7.62%
ROE(5y)9.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.83%
PM growth 5Y0.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.23
Debt/EBITDA N/A
Cap/Depr 216.45%
Cap/Sales 5.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.39%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)48.04%
EPS 3Y-4.25%
EPS 5Y10.18%
EPS Q2Q%69.23%
EPS Next Y25.43%
EPS Next 2Y21.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.84%
Revenue growth 3Y1.77%
Revenue growth 5Y8.85%
Sales Q2Q%31.64%
Revenue Next Year18.89%
Revenue Next 2Y15.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1850.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1562.03%
OCF growth 3YN/A
OCF growth 5YN/A

BRIDGEWATER BANCSHARES INC / BWB Fundamental Analysis FAQ

What is the fundamental rating for BWB stock?

ChartMill assigns a fundamental rating of 4 / 10 to BWB.


Can you provide the valuation status for BRIDGEWATER BANCSHARES INC?

ChartMill assigns a valuation rating of 6 / 10 to BRIDGEWATER BANCSHARES INC (BWB). This can be considered as Fairly Valued.


What is the profitability of BWB stock?

BRIDGEWATER BANCSHARES INC (BWB) has a profitability rating of 3 / 10.


What is the valuation of BRIDGEWATER BANCSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BRIDGEWATER BANCSHARES INC (BWB) is 11.17 and the Price/Book (PB) ratio is 0.94.


Can you provide the dividend sustainability for BWB stock?

The dividend rating of BRIDGEWATER BANCSHARES INC (BWB) is 0 / 10 and the dividend payout ratio is 10.99%.