18 USD
-0.02 (-0.11%)
We assign a fundamental rating of 4 out of 10 to BWB. BWB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of BWB have multiple concerns. 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.
BWB had positive earnings in each of the past 5 years.
Each year in the past 5 years BWB had a positive operating cash flow.
1.2 Ratios
BWB's Return On Assets of 0.69% is on the low side compared to the rest of the industry. BWB is outperformed by 67.01% of its industry peers.
BWB has a Return On Equity of 7.42%. This is in the lower half of the industry: BWB underperforms 63.40% 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
Looking at the Profit Margin, with a value of 27.54%, BWB is in the better half of the industry, outperforming 68.04% of the companies in the same industry.
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.
The number of shares outstanding for BWB has been reduced compared to 1 year ago.
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.
2.2 Solvency
The Debt to FCF ratio of BWB is 2.23, which is a good value as it means it would take BWB, 2.23 years of fcf income to pay off 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 44.59% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that BWB is not too dependend on debt financing.
The Debt to Equity ratio of BWB (0.22) is worse than 60.31% of its industry peers.
Although BWB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.14%
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.
Measured over the past years, BWB shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.58% on average per year.
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
Based on estimates for the next years, BWB will show a very strong growth in Earnings Per Share. The EPS will grow by 26.81% on average per year.
Based on estimates for the next years, BWB will show a quite strong growth in Revenue. The Revenue will grow by 17.66% on average per year.
EPS Next Y47.14%
EPS Next 2Y35.06%
EPS Next 3Y26.81%
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.
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
A Price/Earnings ratio of 13.53 indicates a correct valuation of BWB.
BWB's Price/Earnings is on the same level as the industry average.
BWB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
Based on the Price/Forward Earnings ratio of 9.67, the valuation of BWB can be described as reasonable.
Based on the Price/Forward Earnings ratio, BWB is valued a bit cheaper than 63.66% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BWB to the average of the S&P500 Index (23.46), we can say BWB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
64.18% of the companies in the same industry are more expensive than BWB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.2 | ||
| 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 26.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y35.06%
EPS Next 3Y26.81%
5. Dividend
5.1 Amount
No dividends for BWB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:BWB (12/29/2025, 12:15:29 PM)
18
-0.02 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.83%
Inst Owner Change30.48%
Ins Owners20.92%
Ins Owner Change-22.97%
Market Cap496.44M
Revenue(TTM)134.02M
Net Income(TTM)36.90M
Analysts80
Price Target20.91 (16.17%)
Short Float %1.66%
Short Ratio3.25
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)-0.81%
PT rev (3m)4.24%
EPS NQ rev (1m)0.72%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0.32%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 9.67 | ||
| P/S | 3.7 | ||
| P/FCF | 10.2 | ||
| P/OCF | 8.96 | ||
| P/B | 1 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY7.39%
EPS(NY)1.86
Fwd EY10.34%
FCF(TTM)1.77
FCFY9.81%
OCF(TTM)2.01
OCFY11.16%
SpS4.86
BVpS18.04
TBVpS17.34
PEG (NY)0.29
PEG (5Y)N/A
Graham Number23.23
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
WACC17.14%
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 Y47.14%
EPS Next 2Y35.06%
EPS Next 3Y26.81%
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 13.53 and the Price/Book (PB) ratio is 1.
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 47.14% in the next year.