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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

NASDAQ:BWB - US1086211034 - Common Stock

16.55 USD
+0.13 (+0.76%)
Last: 9/11/2025, 8:00:01 PM
16.55 USD
0 (0%)
After Hours: 9/11/2025, 8:00:01 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BWB. BWB was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of BWB have multiple concerns. 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

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.
BWB had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

1.2 Ratios

The Return On Assets of BWB (0.64%) is worse than 66.50% of its industry peers.
BWB has a Return On Equity of 7.13%. This is in the lower half of the industry: BWB underperforms 60.36% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 7.13%
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 27.19%, BWB is doing good in the industry, outperforming 69.82% of the companies in the same industry.
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) 27.19%
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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2

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
The number of shares outstanding for BWB has been reduced compared to 5 years ago.
BWB has a better debt/assets ratio than last year.
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 3.55, which is a good value as it means it would take BWB, 3.55 years of fcf income to pay off all of its debts.
BWB has a Debt to FCF ratio of 3.55. This is in the lower half of the industry: BWB underperforms 61.64% of its industry peers.
BWB has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.26, BWB is doing worse than 63.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.55
Altman-Z N/A
ROIC/WACCN/A
WACC17.76%
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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6

3. Growth

3.1 Past

BWB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.96%, which is quite good.
BWB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.19% yearly.
BWB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.01%.
BWB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.06% yearly.
EPS 1Y (TTM)12.96%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%42.31%
Revenue 1Y (TTM)17.01%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%34.83%

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 20.91% on average per year.
BWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.45% yearly.
EPS Next Y44.28%
EPS Next 2Y28.95%
EPS Next 3Y20.91%
EPS Next 5YN/A
Revenue Next Year30.84%
Revenue Next 2Y20.96%
Revenue Next 3Y15.45%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 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

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.57, BWB is valued correctly.
BWB's Price/Earnings ratio is in line with the industry average.
BWB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.44.
With a Price/Forward Earnings ratio of 9.57, the valuation of BWB can be described as very reasonable.
BWB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BWB is cheaper than 64.19% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.87. BWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.57
Fwd PE 9.57
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

The rest of the industry has a similar Price/Free Cash Flow ratio as BWB.
Industry RankSector Rank
P/FCF 13.2
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 20.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y28.95%
EPS Next 3Y20.91%

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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 (9/11/2025, 8:00:01 PM)

After market: 16.55 0 (0%)

16.55

+0.13 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners54.94%
Inst Owner Change-9.36%
Ins Owners20.9%
Ins Owner Change-0.47%
Market Cap454.79M
Analysts80
Price Target20.06 (21.21%)
Short Float %0.67%
Short Ratio2.04
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP11.93%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.27%
Min EPS beat(2)5.84%
Max EPS beat(2)6.7%
EPS beat(4)4
Avg EPS beat(4)10.74%
Min EPS beat(4)5.84%
Max EPS beat(4)16.48%
EPS beat(8)7
Avg EPS beat(8)7.99%
EPS beat(12)9
Avg EPS beat(12)5.83%
EPS beat(16)11
Avg EPS beat(16)4.6%
Revenue beat(2)2
Avg Revenue beat(2)4.03%
Min Revenue beat(2)2.79%
Max Revenue beat(2)5.27%
Revenue beat(4)3
Avg Revenue beat(4)2.71%
Min Revenue beat(4)-0.91%
Max Revenue beat(4)5.27%
Revenue beat(8)3
Avg Revenue beat(8)0.27%
Revenue beat(12)3
Avg Revenue beat(12)-1.46%
Revenue beat(16)6
Avg Revenue beat(16)-0.57%
PT rev (1m)11.32%
PT rev (3m)15.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.11%
EPS NY rev (1m)5.12%
EPS NY rev (3m)3.89%
Revenue NQ rev (1m)2.97%
Revenue NQ rev (3m)7.15%
Revenue NY rev (1m)2.47%
Revenue NY rev (3m)2.64%
Valuation
Industry RankSector Rank
PE 13.57
Fwd PE 9.57
P/S 3.64
P/FCF 13.2
P/OCF 11.36
P/B 0.95
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.22
EY7.37%
EPS(NY)1.73
Fwd EY10.45%
FCF(TTM)1.25
FCFY7.58%
OCF(TTM)1.46
OCFY8.81%
SpS4.55
BVpS17.33
TBVpS16.63
PEG (NY)0.31
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 7.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.19%
GM N/A
FCFM 27.57%
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 0.26
Debt/FCF 3.55
Debt/EBITDA N/A
Cap/Depr 151.48%
Cap/Sales 4.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 101.42%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.76%
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)12.96%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%42.31%
EPS Next Y44.28%
EPS Next 2Y28.95%
EPS Next 3Y20.91%
EPS Next 5YN/A
Revenue 1Y (TTM)17.01%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%34.83%
Revenue Next Year30.84%
Revenue Next 2Y20.96%
Revenue Next 3Y15.45%
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 1Y2.96%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y9.76%
OCF growth 3Y-5.09%
OCF growth 5Y3.25%