BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis
NASDAQ:BWB • US1086211034
19.28 USD
-0.04 (-0.21%)
At close: Feb 19, 2026
19.28 USD
0 (0%)
After Hours: 2/19/2026, 8:00:02 PM
BWB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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
- 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.
- BWB had a positive operating cash flow in 4 of the past 5 years.
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
- BWB has a better Profit Margin (27.54%) than 67.72% of its industry peers.
- In the last couple of years the Profit Margin of BWB has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for BWB so they could not be analyzed.
| 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.
- Compared to 5 years ago, BWB has less shares outstanding
- 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.
- 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 (0.22) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- BWB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.18% yearly.
- Looking at the last year, BWB shows a very strong growth in Revenue. 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
- Based on estimates for the next years, BWB will show a quite strong growth in Revenue. The Revenue will grow by 15.57% on average per year.
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.
- 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
- Based on the Price/Earnings ratio of 12.77, the valuation of BWB can be described as correct.
- BWB's Price/Earnings is on the same level as the industry average.
- BWB is valuated cheaply when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.18, which indicates a very decent valuation of BWB.
- Based on the Price/Forward Earnings ratio, BWB is valued a bit cheaper than 64.83% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.98. BWB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
- 64.04% 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 | 10.99 | ||
| EV/EBITDA | N/A |
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 21.79% in the coming years.
PEG (NY)0.5
PEG (5Y)1.25
EPS Next 2Y21.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for BWB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
19.28
-0.04 (-0.21%)
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 Cap535.21M
Revenue(TTM)143.35M
Net Income(TTM)36.90M
Analysts77.5
Price Target22.82 (18.36%)
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 | 3.99 | ||
| P/FCF | 10.99 | ||
| 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
FCFY9.1%
OCF(TTM)2
OCFY10.35%
SpS4.83
BVpS17.92
TBVpS17.23
PEG (NY)0.5
PEG (5Y)1.25
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
WACC16.59%
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%.