BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis
NASDAQ:BWB • US1086211034
19.29 USD
+0.1 (+0.52%)
At close: Feb 17, 2026
19.29 USD
0 (0%)
After Hours: 2/17/2026, 5:00:49 PM
Taking everything into account, BWB scores 4 out of 10 in our fundamental rating. BWB was compared to 381 industry peers in the Banks industry. BWB has a bad profitability rating. Also its financial health evaluation is rather negative. BWB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- In the past year BWB was profitable.
- BWB had a positive operating cash flow in the past year.
- BWB had positive earnings in each of the past 5 years.
- Of the past 5 years BWB 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.69%, BWB is not doing good in the industry: 67.45% of the companies in the same industry are doing better.
- BWB has a Return On Equity of 7.42%. This is in the lower half of the industry: BWB underperforms 62.99% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of BWB (27.54%) is better than 67.72% of its industry peers.
- BWB's Profit Margin has been stable in the last couple of years.
- BWB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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 more shares outstanding than it did 1 year ago.
- BWB has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, BWB has a worse debt to assets ratio.
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 (2.23) which is in line with its industry peers.
- A Debt/Equity ratio of 0.22 indicates that BWB is not too dependend on debt financing.
- BWB has a Debt to Equity ratio (0.22) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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%.
- BWB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.85% yearly.
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
- The Earnings Per Share is expected to grow by 21.79% on average over the next years. This is a very strong growth
- 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 Year16.63%
Revenue Next 2Y15.57%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.77, the valuation of BWB can be described as correct.
- 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 27.16.
- With a Price/Forward Earnings ratio of 10.18, the valuation of BWB can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, BWB is valued a bit cheaper than 65.62% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.10. BWB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BWB is valued a bit cheaper than 64.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11 | ||
| EV/EBITDA | N/A |
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.
- BWB's earnings are expected to grow with 21.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)1.26
EPS Next 2Y21.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BWB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
19.29
+0.1 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-21 2026-04-21
Inst Owners61.08%
Inst Owner Change3.4%
Ins Owners19.44%
Ins Owner Change-21.4%
Market Cap535.49M
Revenue(TTM)143.35M
Net Income(TTM)36.90M
Analysts77.5
Price Target22.82 (18.3%)
Short Float %1.48%
Short Ratio3.46
Dividend
| Industry Rank | Sector 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)9.15%
PT rev (3m)10.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)1.79%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.52%
Revenue NY rev (3m)1.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 10.18 | ||
| P/S | 4 | ||
| P/FCF | 11 | ||
| P/OCF | 9.66 | ||
| P/B | 1.08 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY7.83%
EPS(NY)1.89
Fwd EY9.82%
FCF(TTM)1.75
FCFY9.09%
OCF(TTM)2
OCFY10.35%
SpS4.83
BVpS17.92
TBVpS17.23
PEG (NY)0.5
PEG (5Y)1.26
Graham Number24.67
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.56%
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 Year16.63%
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 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 12.77 and the Price/Book (PB) ratio is 1.08.
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%.