BRIDGEWATER BANCSHARES INC (BWB) Fundamental Analysis & Valuation

NASDAQ:BWB • US1086211034

Current stock price

18.72 USD
-0.14 (-0.74%)
Last:

This BWB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BWB Profitability Analysis

1.1 Basic Checks

  • BWB had positive earnings in the past year.
  • In the past year BWB had a positive cash flow from operations.
  • Each year in the past 5 years BWB has been profitable.
  • Each year in the past 5 years BWB had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.78%, BWB is doing worse than 67.11% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 8.13%, BWB is doing worse than 63.40% of the companies in the same industry.
Industry RankSector Rank
ROA 0.78%
ROE 8.13%
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
BWB Yearly ROA, ROE, ROICBWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 29.32%, BWB is doing good in the industry, outperforming 71.62% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 29.32%
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
BWB Yearly Profit, Operating, Gross MarginsBWB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. BWB Health Analysis

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 more shares outstanding
  • The number of shares outstanding for BWB has been reduced compared to 5 years ago.
  • BWB has a worse debt/assets ratio than last year.
BWB Yearly Shares OutstandingBWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • BWB has a debt to FCF ratio of 4.95. This is a neutral value as BWB would need 4.95 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 4.95, BWB is not doing good in the industry: 71.09% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.21 indicates that BWB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.21, BWB perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.63%
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 2025 0 100M 200M 300M 400M 500M

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 2025 50M 100M 150M 200M 250M

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8

3. BWB Growth Analysis

3.1 Past

  • BWB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.04%, which is quite impressive.
  • 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

  • Based on estimates for the next years, BWB will show a very strong growth in Earnings Per Share. The EPS will grow by 21.79% on average per year.
  • BWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.57% yearly.
EPS Next Y25.43%
EPS Next 2Y21.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.89%
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.
  • 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.
BWB Yearly Revenue VS EstimatesBWB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2

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5

4. BWB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.40 indicates a correct valuation of BWB.
  • The rest of the industry has a similar Price/Earnings ratio as BWB.
  • When comparing the Price/Earnings ratio of BWB to the average of the S&P500 Index (27.18), we can say BWB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.88 indicates a reasonable valuation of BWB.
  • BWB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BWB is cheaper than 66.31% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.96. BWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.4
Fwd PE 9.88
BWB Price Earnings VS Forward Price EarningsBWB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BWB is valued a bit more expensive than the industry average as 78.25% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 23.71
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 21.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)1.22
EPS Next 2Y21.79%
EPS Next 3YN/A

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0

5. BWB Dividend Analysis

5.1 Amount

  • BWB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BWB Fundamentals: All Metrics, Ratios and Statistics

BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (4/14/2026, 10:07:51 AM)

18.72

-0.14 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners63.82%
Inst Owner Change0%
Ins Owners20.65%
Ins Owner Change-21.41%
Market Cap520.79M
Revenue(TTM)143.35M
Net Income(TTM)42.03M
Analysts77.5
Price Target22.82 (21.9%)
Short Float %1.61%
Short Ratio4.58
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP9.64%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.88%
Min EPS beat(2)-2.16%
Max EPS beat(2)5.93%
EPS beat(4)3
Avg EPS beat(4)4.08%
Min EPS beat(4)-2.16%
Max EPS beat(4)6.7%
EPS beat(8)5
Avg EPS beat(8)5.17%
EPS beat(12)8
Avg EPS beat(12)5.82%
EPS beat(16)10
Avg EPS beat(16)4.01%
Revenue beat(2)1
Avg Revenue beat(2)-0.06%
Min Revenue beat(2)-1.93%
Max Revenue beat(2)1.81%
Revenue beat(4)3
Avg Revenue beat(4)1.98%
Min Revenue beat(4)-1.93%
Max Revenue beat(4)5.27%
Revenue beat(8)4
Avg Revenue beat(8)0.65%
Revenue beat(12)4
Avg Revenue beat(12)-0.9%
Revenue beat(16)6
Avg Revenue beat(16)-0.84%
PT rev (1m)0%
PT rev (3m)9.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0%
EPS NY rev (3m)1.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.49%
Valuation
Industry RankSector Rank
PE 12.4
Fwd PE 9.88
P/S 3.63
P/FCF 23.71
P/OCF 18.73
P/B 1.01
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.51
EY8.07%
EPS(NY)1.89
Fwd EY10.12%
FCF(TTM)0.79
FCFY4.22%
OCF(TTM)1
OCFY5.34%
SpS5.15
BVpS18.59
TBVpS17.91
PEG (NY)0.49
PEG (5Y)1.22
Graham Number25.13
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 8.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.32%
GM N/A
FCFM 15.32%
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 RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.95
Debt/EBITDA N/A
Cap/Depr 172.53%
Cap/Sales 4.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 52.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.63%
ROIC/WACCN/A
Cap/Depr(3y)151.06%
Cap/Depr(5y)108.54%
Cap/Sales(3y)3.49%
Cap/Sales(5y)2.47%
Profit Quality(3y)91.53%
Profit Quality(5y)112.77%
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 Year18.89%
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 1Y-48.07%
FCF growth 3Y-35.89%
FCF growth 5YN/A
OCF growth 1Y-40.03%
OCF growth 3Y-31.09%
OCF growth 5Y3.85%

BRIDGEWATER BANCSHARES INC / BWB Fundamental Analysis 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 5 / 10 to BRIDGEWATER BANCSHARES INC (BWB). This can be considered as Fairly Valued.


How profitable is BRIDGEWATER BANCSHARES INC (BWB) stock?

BRIDGEWATER BANCSHARES INC (BWB) has a profitability rating of 3 / 10.


Can you provide the financial health for BWB stock?

The financial health rating of BRIDGEWATER BANCSHARES INC (BWB) is 1 / 10.


What is the earnings growth outlook for BRIDGEWATER BANCSHARES INC?

The Earnings per Share (EPS) of BRIDGEWATER BANCSHARES INC (BWB) is expected to grow by 25.43% in the next year.