BRIDGEWATER BANCSHARES INC (BWB) Fundamental Analysis & Valuation

NASDAQ:BWB • US1086211034

Current stock price

16.94 USD
-0.18 (-1.05%)
At close:
16.94 USD
0 (0%)
After Hours:

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

  • In the past year BWB was profitable.
  • BWB had a positive operating cash flow in the past year.
  • Each year in the past 5 years BWB has been profitable.
  • BWB had a positive operating cash flow in each of the past 5 years.
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

  • BWB's Return On Assets of 0.78% is on the low side compared to the rest of the industry. BWB is outperformed by 65.09% of its industry peers.
  • With a Return On Equity value of 8.13%, BWB is not doing good in the industry: 61.42% of the companies in the same industry are doing better.
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

  • The Profit Margin of BWB (29.32%) is better than 72.44% of its industry peers.
  • In the last couple of years the Profit Margin of BWB has remained more or less at the same level.
  • 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.
  • The number of shares outstanding for BWB has been increased compared to 1 year ago.
  • Compared to 5 years ago, BWB has less shares outstanding
  • The debt/assets ratio for BWB is higher compared to a year ago.
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: 69.03% of the companies in the same industry are doing better.
  • BWB has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • BWB's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. BWB outperforms 42.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.95
Altman-Z N/A
ROIC/WACCN/A
WACC17.46%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • BWB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.18% yearly.
  • BWB shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.84%.
  • The Revenue has been growing by 8.85% on average over the past years. This is quite good.
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 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.
  • 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 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 11.22 indicates a reasonable valuation of BWB.
  • BWB's Price/Earnings ratio is in line with the industry average.
  • BWB is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.94, the valuation of BWB can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BWB indicates a somewhat cheap valuation: BWB is cheaper than 69.29% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of BWB to the average of the S&P500 Index (23.28), we can say BWB is valued rather cheaply.
Industry RankSector Rank
PE 11.22
Fwd PE 8.94
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

  • 75.85% of the companies in the same industry are cheaper than BWB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.46
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

  • 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 21.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)1.1
EPS Next 2Y21.79%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

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 (3/20/2026, 8:00:03 PM)

After market: 16.94 0 (0%)

16.94

-0.18 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners63.9%
Inst Owner Change4.35%
Ins Owners19.35%
Ins Owner Change-22.86%
Market Cap471.27M
Revenue(TTM)143.35M
Net Income(TTM)42.03M
Analysts77.5
Price Target22.82 (34.71%)
Short Float %1.66%
Short Ratio4.37
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)8.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0%
EPS NY rev (3m)2.87%
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 11.22
Fwd PE 8.94
P/S 3.29
P/FCF 21.46
P/OCF 16.94
P/B 0.91
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)1.51
EY8.91%
EPS(NY)1.89
Fwd EY11.18%
FCF(TTM)0.79
FCFY4.66%
OCF(TTM)1
OCFY5.9%
SpS5.15
BVpS18.59
TBVpS17.91
PEG (NY)0.44
PEG (5Y)1.1
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
WACC17.46%
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 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 11.22 and the Price/Book (PB) ratio is 0.91.


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 9.64%.