BRIDGEWATER BANCSHARES INC (BWB)
US1086211034 - Common Stock
BWB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. BWB has a bad profitability rating. Also its financial health evaluation is rather negative. BWB does not seem to be growing, but still is valued expensively.
1. Profitability
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.78%, BWB is in line with its industry, outperforming 42.23% of the companies in the same industry.
BWB has a Return On Equity (8.44%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 8.44% | ||
| ROIC | N/A |
ROA(3y)1.06%
ROA(5y)1.1%
ROE(3y)10.89%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 32.16%, BWB belongs to the top of the industry, outperforming 83.74% of the companies in the same industry.
In the last couple of years the Profit Margin of BWB has declined.
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) | 32.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.5%
PM growth 5Y-4.29%
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 about the same amout of shares outstanding than it did 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
BWB has a debt to FCF ratio of 3.44. This is a good value and a sign of high solvency as BWB would need 3.44 years to pay back of all of its debts.
BWB has a Debt to FCF ratio (3.44) which is in line with its industry peers.
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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 3.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BWB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.74%.
The Earnings Per Share has been growing slightly by 6.72% on average over the past years.
The Revenue for BWB has decreased by -17.91% in the past year. This is quite bad
Measured over the past years, BWB shows a quite strong growth in Revenue. The Revenue has been growing by 10.69% on average per year.
EPS 1Y (TTM)-26.74%
EPS 3Y10.65%
EPS 5Y6.72%
EPS growth Q2Q-37.78%
Revenue 1Y (TTM)-17.91%
Revenue growth 3Y5.98%
Revenue growth 5Y10.69%
Revenue growth Q2Q-22.83%
3.2 Future
The Earnings Per Share is expected to decrease by -0.52% on average over the next years.
The Revenue is expected to grow by 6.35% on average over the next years.
EPS Next Y-15.43%
EPS Next 2Y-0.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.3%
Revenue Next 2Y6.35%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.87, the valuation of BWB can be described as very reasonable.
BWB's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.05, BWB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.49, the valuation of BWB can be described as reasonable.
BWB's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BWB to the average of the S&P500 Index (21.53), we can say BWB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 10.49 |
4.2 Price Multiples
BWB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BWB is more expensive than 66.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.45 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y-0.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BWB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BRIDGEWATER BANCSHARES INC
NASDAQ:BWB (4/15/2024, 3:30:01 PM)
After market: 11.18 0 (0%)11.18
-0.13 (-1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap309.80M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 10.49 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 8.44% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.16% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-26.74%
EPS 3Y10.65%
EPS 5Y
EPS growth Q2Q
EPS Next Y-15.43%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-17.91%
Revenue growth 3Y5.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y