17.31 USD
-0.21 (-1.2%)
17.31 USD
0 (0%)
Taking everything into account, BWB scores 4 out of 10 in our fundamental rating. BWB was compared to 387 industry peers in the Banks industry. BWB may be in some trouble as it scores bad on both profitability and health. BWB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
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.
1.2 Ratios
BWB has a worse Return On Assets (0.69%) than 65.89% of its industry peers.
BWB has a Return On Equity of 7.42%. This is in the lower half of the industry: BWB underperforms 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 7.42% | ||
| 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
1.3 Margins
BWB has a Profit Margin of 27.54%. This is in the better half of the industry: BWB outperforms 69.77% of its industry peers.
BWB's Profit Margin has declined 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-12.17%
PM growth 5Y-8.21%
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 less shares outstanding than it did 1 year ago.
The number of shares outstanding for BWB has been reduced compared to 5 years ago.
Compared to 1 year ago, BWB has an improved 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.
Looking at the Debt to FCF ratio, with a value of 2.23, BWB is in line with its industry, outperforming 46.77% of the companies in the same industry.
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 of 0.22. This is in the lower half of the industry: BWB underperforms 60.21% of its industry peers.
Even though the debt/equity ratio score it not favorable for BWB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.24%
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 27.88% over the past year.
BWB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.58% yearly.
Looking at the last year, BWB shows a very strong growth in Revenue. The Revenue has grown by 25.50%.
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)27.88%
EPS 3Y-12.83%
EPS 5Y-0.58%
EPS Q2Q%39.29%
Revenue 1Y (TTM)25.5%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%33.3%
3.2 Future
The Earnings Per Share is expected to grow by 26.19% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 17.66% on average over the next years. This is quite good.
EPS Next Y46.68%
EPS Next 2Y34.36%
EPS Next 3Y26.19%
EPS Next 5YN/A
Revenue Next Year31%
Revenue Next 2Y22.68%
Revenue Next 3Y17.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.02 indicates a correct valuation of BWB.
Compared to the rest of the industry, the Price/Earnings ratio of BWB is on the same level as its industry peers.
When comparing the Price/Earnings ratio of BWB to the average of the S&P500 Index (26.31), we can say BWB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.40, the valuation of BWB can be described as reasonable.
BWB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BWB is cheaper than 60.72% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, BWB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BWB is valued a bit cheaper than 66.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.77 | ||
| 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.
A more expensive valuation may be justified as BWB's earnings are expected to grow with 26.19% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y34.36%
EPS Next 3Y26.19%
5. Dividend
5.1 Amount
BWB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.31
-0.21 (-1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.08%
Inst Owner Change30.48%
Ins Owners21.15%
Ins Owner Change-12.23%
Market Cap477.41M
Revenue(TTM)134.02M
Net Income(TTM)36.90M
Analysts80
Price Target21.08 (21.78%)
Short Float %1.27%
Short Ratio2.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)5.08%
PT rev (3m)5.08%
EPS NQ rev (1m)-0.49%
EPS NQ rev (3m)0.74%
EPS NY rev (1m)-0.74%
EPS NY rev (3m)-0.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 9.4 | ||
| P/S | 3.55 | ||
| P/FCF | 9.77 | ||
| P/OCF | 8.58 | ||
| P/B | 0.96 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY7.68%
EPS(NY)1.84
Fwd EY10.64%
FCF(TTM)1.77
FCFY10.24%
OCF(TTM)2.02
OCFY11.65%
SpS4.88
BVpS18.1
TBVpS17.41
PEG (NY)0.28
PEG (5Y)N/A
Graham Number23.28
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)0.83%
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
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-12.17%
PM growth 5Y-8.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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-Score6
WACC17.24%
ROIC/WACCN/A
Cap/Depr(3y)113.23%
Cap/Depr(5y)426.75%
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)27.88%
EPS 3Y-12.83%
EPS 5Y-0.58%
EPS Q2Q%39.29%
EPS Next Y46.68%
EPS Next 2Y34.36%
EPS Next 3Y26.19%
EPS Next 5YN/A
Revenue 1Y (TTM)25.5%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%33.3%
Revenue Next Year31%
Revenue Next 2Y22.68%
Revenue Next 3Y17.66%
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 1Y21.26%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y28.54%
OCF growth 3Y-5.09%
OCF growth 5Y3.25%
BRIDGEWATER BANCSHARES INC / BWB FAQ
What is the fundamental rating for BWB stock?
ChartMill assigns a fundamental rating of 4 / 10 to BWB.
What is the valuation status for BWB stock?
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 13.02 and the Price/Book (PB) ratio is 0.96.
Can you provide the expected EPS growth for BWB stock?
The Earnings per Share (EPS) of BRIDGEWATER BANCSHARES INC (BWB) is expected to grow by 46.68% in the next year.