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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

USA - NASDAQ:BWB - US1086211034 - Common Stock

16.62 USD
-0.57 (-3.32%)
Last: 10/10/2025, 9:13:30 PM
16.62 USD
0 (0%)
After Hours: 10/10/2025, 9:13:30 PM
Fundamental Rating

3

Overall BWB gets a fundamental rating of 3 out of 10. We evaluated BWB against 392 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

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

BWB has a worse Return On Assets (0.64%) than 66.58% of its industry peers.
Looking at the Return On Equity, with a value of 7.13%, BWB is doing worse than 60.46% of the companies in the same industry.
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

BWB's Profit Margin of 27.19% is fine compared to the rest of the industry. BWB outperforms 69.90% of its industry peers.
BWB's Profit Margin has declined in the last couple of years.
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.
The number of shares outstanding for BWB has been reduced compared to 1 year ago.
BWB has less shares outstanding than it did 5 years ago.
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

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 worse Debt to FCF ratio (3.55) than 62.24% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that BWB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.26, BWB is not doing good in the industry: 65.05% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.55
Altman-Z N/A
ROIC/WACCN/A
WACC17.6%
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 15.09%, which is quite good.
The Earnings Per Share has been decreasing by -0.58% on average over the past years.
Looking at the last year, BWB shows a quite strong growth in Revenue. The Revenue has grown by 17.01% 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)15.09%
EPS 3Y-12.83%
EPS 5Y-0.58%
EPS Q2Q%54.17%
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 21.69% 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 Y47.11%
EPS Next 2Y30.21%
EPS Next 3Y21.69%
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

The Price/Earnings ratio is 13.62, which indicates a correct valuation of BWB.
BWB's Price/Earnings ratio is a bit more expensive when compared to the industry. BWB is more expensive than 62.76% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.02. BWB is valued slightly cheaper when compared to this.
BWB is valuated reasonably with a Price/Forward Earnings ratio of 9.61.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BWB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of BWB to the average of the S&P500 Index (22.57), we can say BWB is valued rather cheaply.
Industry RankSector Rank
PE 13.62
Fwd PE 9.61
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BWB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.25
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

BWB's 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 21.69% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y30.21%
EPS Next 3Y21.69%

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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 (10/10/2025, 9:13:30 PM)

After market: 16.62 0 (0%)

16.62

-0.57 (-3.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-23 2025-10-23/amc
Inst Owners56.08%
Inst Owner Change0%
Ins Owners21.15%
Ins Owner Change1.05%
Market Cap456.72M
Analysts80
Price Target20.06 (20.7%)
Short Float %0.71%
Short Ratio1.8
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)6
Avg EPS beat(8)6.97%
EPS beat(12)8
Avg EPS beat(12)5.15%
EPS beat(16)10
Avg EPS beat(16)4.08%
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)0%
PT rev (3m)15.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.59%
EPS NY rev (1m)0%
EPS NY rev (3m)3.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.64%
Valuation
Industry RankSector Rank
PE 13.62
Fwd PE 9.61
P/S 3.65
P/FCF 13.25
P/OCF 11.4
P/B 0.96
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.22
EY7.34%
EPS(NY)1.73
Fwd EY10.41%
FCF(TTM)1.25
FCFY7.55%
OCF(TTM)1.46
OCFY8.77%
SpS4.55
BVpS17.33
TBVpS16.63
PEG (NY)0.29
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
WACC17.6%
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)15.09%
EPS 3Y-12.83%
EPS 5Y-0.58%
EPS Q2Q%54.17%
EPS Next Y47.11%
EPS Next 2Y30.21%
EPS Next 3Y21.69%
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%