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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

NASDAQ:BWB - Nasdaq - US1086211034 - Common Stock - Currency: USD

16.13  +0.06 (+0.37%)

After market: 16.13 0 (0%)

Fundamental Rating

4

BWB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BWB has a bad profitability rating. Also its financial health evaluation is rather negative. BWB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BWB had positive earnings in the past year.
BWB had a positive operating cash flow in the past year.
In the past 5 years BWB has always been profitable.
In the past 5 years BWB always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.60%, BWB is not doing good in the industry: 67.68% of the companies in the same industry are doing better.
BWB has a Return On Equity of 6.52%. This is in the lower half of the industry: BWB underperforms 64.90% of its industry peers.
Industry RankSector Rank
ROA 0.6%
ROE 6.52%
ROIC N/A
ROA(3y)0.83%
ROA(5y)0.94%
ROE(3y)9.08%
ROE(5y)9.84%
ROIC(3y)N/A
ROIC(5y)N/A
BWB Yearly ROA, ROE, ROICBWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 26.43%, BWB is doing good in the industry, outperforming 67.68% of the companies in the same industry.
In the last couple of years the Profit Margin of BWB has declined.
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) 26.43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.17%
PM growth 5Y-8.21%
GM growth 3YN/A
GM growth 5YN/A
BWB Yearly Profit, Operating, Gross MarginsBWB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

BWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BWB has less shares outstanding
Compared to 5 years ago, BWB has less shares outstanding
Compared to 1 year ago, BWB has an improved debt to assets ratio.
BWB Yearly Shares OutstandingBWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

2.2 Solvency

BWB has a debt to FCF ratio of 2.22. This is a good value and a sign of high solvency as BWB would need 2.22 years to pay back of all of its debts.
The Debt to FCF ratio of BWB (2.22) is comparable to the rest of the industry.
BWB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
BWB has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: BWB outperforms 41.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.22
Altman-Z N/A
ROIC/WACCN/A
WACC17.93%
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 0 100M 200M 300M 400M

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 50M 100M 150M 200M 250M

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5

3. Growth

3.1 Past

BWB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.77%.
Measured over the past years, BWB shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.19% on average per year.
The Revenue has been growing slightly by 7.75% in the past year.
Measured over the past years, BWB shows a small growth in Revenue. The Revenue has been growing by 7.06% on average per year.
EPS 1Y (TTM)-1.77%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%29.17%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.32%

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 25.84% on average per year.
The Revenue is expected to grow by 19.01% on average over the next years. This is quite good.
EPS Next Y37.26%
EPS Next 2Y25.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year26.94%
Revenue Next 2Y19.01%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
BWB Yearly EPS VS EstimatesBWB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

BWB is valuated correctly with a Price/Earnings ratio of 14.53.
Based on the Price/Earnings ratio, BWB is valued a bit more expensive than 61.87% of the companies in the same industry.
BWB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
With a Price/Forward Earnings ratio of 9.79, the valuation of BWB can be described as very reasonable.
BWB's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 37.36. BWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.53
Fwd PE 9.79
BWB Price Earnings VS Forward Price EarningsBWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

BWB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BWB is cheaper than 61.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.53
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.
BWB's earnings are expected to grow with 25.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y25.84%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for BWB!.
Industry RankSector Rank
Dividend Yield N/A

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BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (7/23/2025, 8:06:47 PM)

After market: 16.13 0 (0%)

16.13

+0.06 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners55.27%
Inst Owner Change-0.13%
Ins Owners20.89%
Ins Owner Change-0.05%
Market Cap442.93M
Analysts80
Price Target18.02 (11.72%)
Short Float %0.96%
Short Ratio2.56
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP13.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.16%
Min EPS beat(2)5.84%
Max EPS beat(2)16.48%
EPS beat(4)4
Avg EPS beat(4)10.66%
Min EPS beat(4)5.84%
Max EPS beat(4)16.48%
EPS beat(8)6
Avg EPS beat(8)6.93%
EPS beat(12)8
Avg EPS beat(12)5.13%
EPS beat(16)11
Avg EPS beat(16)4.33%
Revenue beat(2)2
Avg Revenue beat(2)3.24%
Min Revenue beat(2)2.79%
Max Revenue beat(2)3.7%
Revenue beat(4)2
Avg Revenue beat(4)1.05%
Min Revenue beat(4)-1.39%
Max Revenue beat(4)3.7%
Revenue beat(8)2
Avg Revenue beat(8)-1.53%
Revenue beat(12)3
Avg Revenue beat(12)-1.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.73%
PT rev (1m)3.92%
PT rev (3m)0.95%
EPS NQ rev (1m)-0.96%
EPS NQ rev (3m)9.57%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)7.89%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)4.62%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)3.97%
Valuation
Industry RankSector Rank
PE 14.53
Fwd PE 9.79
P/S 3.83
P/FCF 10.53
P/OCF 9.49
P/B 0.94
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)1.11
EY6.88%
EPS(NY)1.65
Fwd EY10.21%
FCF(TTM)1.53
FCFY9.49%
OCF(TTM)1.7
OCFY10.53%
SpS4.21
BVpS17.08
TBVpS16.36
PEG (NY)0.39
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 6.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.43%
GM N/A
FCFM 36.35%
ROA(3y)0.83%
ROA(5y)0.94%
ROE(3y)9.08%
ROE(5y)9.84%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.17%
PM growth 5Y-8.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.22
Debt/EBITDA N/A
Cap/Depr 120.43%
Cap/Sales 3.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.93%
ROIC/WACCN/A
Cap/Depr(3y)96.44%
Cap/Depr(5y)416.67%
Cap/Sales(3y)2.53%
Cap/Sales(5y)6.92%
Profit Quality(3y)130.48%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.77%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%29.17%
EPS Next Y37.26%
EPS Next 2Y25.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.75%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.32%
Revenue Next Year26.94%
Revenue Next 2Y19.01%
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 1Y-30.11%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y-24.16%
OCF growth 3Y-5.09%
OCF growth 5Y3.25%