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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

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

15.73  +0.64 (+4.24%)

Premarket: 15.77 +0.04 (+0.25%)

Fundamental Rating

4

Taking everything into account, BWB scores 4 out of 10 in our fundamental rating. BWB was compared to 397 industry peers in the Banks industry. BWB has a bad profitability rating. Also its financial health evaluation is rather negative. BWB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BWB was profitable.
BWB had a positive operating cash flow in the past year.
Each year in the past 5 years BWB has 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 0.57%, BWB is not doing good in the industry: 70.78% of the companies in the same industry are doing better.
BWB's Return On Equity of 6.28% is on the low side compared to the rest of the industry. BWB is outperformed by 68.01% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 6.28%
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

BWB has a Profit Margin of 26.26%. This is in the better half of the industry: BWB outperforms 67.25% of its industry peers.
In the last couple of years the Profit Margin of BWB has declined.
The Operating Margin and Gross Margin are not available for BWB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.26%
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.
BWB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BWB has been reduced compared to 5 years ago.
The debt/assets ratio for BWB has been reduced compared to a year ago.
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

The Debt to FCF ratio of BWB is 2.21, which is a good value as it means it would take BWB, 2.21 years of fcf income to pay off all of its debts.
BWB has a Debt to FCF ratio of 2.21. This is comparable to the rest of the industry: BWB outperforms 47.36% of its industry peers.
BWB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
BWB's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. BWB outperforms 45.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.21
Altman-Z N/A
ROIC/WACCN/A
WACC17.9%
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

The earnings per share for BWB have decreased by -0.88% in the last year.
The Earnings Per Share has been decreasing by -0.19% on average over the past years.
Looking at the last year, BWB shows a small growth in Revenue. The Revenue has grown by 7.75% in the last year.
BWB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.06% yearly.
EPS 1Y (TTM)-0.88%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%33.33%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.33%

3.2 Future

The Earnings Per Share is expected to grow by 22.07% on average over the next years. This is a very strong growth
BWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.01% yearly.
EPS Next Y27.22%
EPS Next 2Y22.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.1%
Revenue Next 2Y17.01%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

A Price/Earnings ratio of 14.04 indicates a correct valuation of BWB.
64.23% of the companies in the same industry are cheaper than BWB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BWB to the average of the S&P500 Index (28.18), we can say BWB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.15, the valuation of BWB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as BWB.
BWB is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.81, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.04
Fwd PE 10.15
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

Based on the Price/Free Cash Flow ratio, BWB is valued a bit cheaper than 60.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.25
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

The 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 22.07% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y22.07%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

BWB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (5/2/2025, 8:00:02 PM)

Premarket: 15.77 +0.04 (+0.25%)

15.73

+0.64 (+4.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners56.33%
Inst Owner Change-0.73%
Ins Owners20.66%
Ins Owner Change-0.63%
Market Cap433.52M
Analysts80
Price Target17 (8.07%)
Short Float %0.51%
Short Ratio1.29
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP14.09%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.21%
Min EPS beat(2)13.93%
Max EPS beat(2)16.48%
EPS beat(4)3
Avg EPS beat(4)8.31%
Min EPS beat(4)-3.53%
Max EPS beat(4)16.48%
EPS beat(8)6
Avg EPS beat(8)7.71%
EPS beat(12)8
Avg EPS beat(12)4.66%
EPS beat(16)11
Avg EPS beat(16)4.66%
Revenue beat(2)1
Avg Revenue beat(2)1.39%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)3.7%
Revenue beat(4)1
Avg Revenue beat(4)-0.68%
Min Revenue beat(4)-4.11%
Max Revenue beat(4)3.7%
Revenue beat(8)1
Avg Revenue beat(8)-2.34%
Revenue beat(12)3
Avg Revenue beat(12)-1.79%
Revenue beat(16)6
Avg Revenue beat(16)-0.82%
PT rev (1m)-4.76%
PT rev (3m)-2.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.84%
EPS NY rev (1m)0%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.63%
Valuation
Industry RankSector Rank
PE 14.04
Fwd PE 10.15
P/S 3.96
P/FCF 10.25
P/OCF 9.35
P/B 0.95
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)1.12
EY7.12%
EPS(NY)1.55
Fwd EY9.85%
FCF(TTM)1.53
FCFY9.76%
OCF(TTM)1.68
OCFY10.7%
SpS3.98
BVpS16.62
TBVpS15.9
PEG (NY)0.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 6.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.26%
GM N/A
FCFM 38.6%
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 2.21
Debt/EBITDA N/A
Cap/Depr 135.77%
Cap/Sales 3.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 147.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.9%
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)-0.88%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%33.33%
EPS Next Y27.22%
EPS Next 2Y22.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.75%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.33%
Revenue Next Year22.1%
Revenue Next 2Y17.01%
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 1Y56.39%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y54.51%
OCF growth 3Y-5.09%
OCF growth 5Y3.25%