BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis
USA - NASDAQ:BWB - US1086211034 - Common Stock
16.64 USD
+0.01 (+0.06%)
16.64 USD
0 (0%)
Taking everything into account, BWB scores 3 out of 10 in our fundamental rating. BWB was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of BWB have multiple concerns. BWB has a decent growth rate and is not valued too 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.
In the past 5 years BWB always reported a positive cash flow from operatings.
1.2 Ratios
BWB's Return On Assets of 0.64% is on the low side compared to the rest of the industry. BWB is outperformed by 67.18% of its industry peers.
The Return On Equity of BWB (7.13%) is worse than 62.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.13% | ||
| 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
With a decent Profit Margin value of 27.19%, BWB is doing good in the industry, outperforming 70.00% 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) | 27.19% | ||
| 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.
BWB has less shares outstanding than it did 1 year ago.
BWB has less shares outstanding than it did 5 years ago.
BWB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BWB is 3.55, which is a good value as it means it would take BWB, 3.55 years of fcf income to pay off all of its debts.
BWB's Debt to FCF ratio of 3.55 is on the low side compared to the rest of the industry. BWB is outperformed by 62.05% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that BWB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.26, BWB is not doing good in the industry: 64.87% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.51%
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.
The Revenue has decreased by -1.89% in the past year.
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)-1.89%
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 21.69% on average per year.
BWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.45% yearly.
EPS Next Y47.77%
EPS Next 2Y31.59%
EPS Next 3Y21.69%
EPS Next 5YN/A
Revenue Next Year31.06%
Revenue Next 2Y21.46%
Revenue Next 3Y15.45%
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
BWB is valuated correctly with a Price/Earnings ratio of 12.51.
BWB's Price/Earnings is on the same level as the industry average.
BWB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
A Price/Forward Earnings ratio of 9.42 indicates a reasonable valuation of BWB.
BWB's Price/Forward Earnings is on the same level as the industry average.
BWB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 9.42 |
4.2 Price Multiples
BWB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.27 | ||
| 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 21.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y31.59%
EPS Next 3Y21.69%
5. Dividend
5.1 Amount
BWB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.64
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.08%
Inst Owner Change-0.7%
Ins Owners21.15%
Ins Owner Change0.3%
Market Cap457.27M
Revenue(TTM)109.56M
Net Income(TTM)33.98M
Analysts80
Price Target20.74 (24.64%)
Short Float %1.06%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP11.93%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.27%
Min EPS beat(2)5.84%
Max EPS beat(2)6.7%
EPS beat(4)4
Avg EPS beat(4)10.74%
Min EPS beat(4)5.84%
Max EPS beat(4)16.48%
EPS beat(8)6
Avg EPS beat(8)6.97%
EPS beat(12)8
Avg EPS beat(12)5.15%
EPS beat(16)10
Avg EPS beat(16)4.08%
Revenue beat(2)2
Avg Revenue beat(2)4.03%
Min Revenue beat(2)2.79%
Max Revenue beat(2)5.27%
Revenue beat(4)3
Avg Revenue beat(4)2.71%
Min Revenue beat(4)-0.91%
Max Revenue beat(4)5.27%
Revenue beat(8)3
Avg Revenue beat(8)0.27%
Revenue beat(12)3
Avg Revenue beat(12)-1.46%
Revenue beat(16)6
Avg Revenue beat(16)-0.57%
PT rev (1m)3.39%
PT rev (3m)15.09%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)0.45%
EPS NY rev (3m)5.59%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)3.06%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)2.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 9.42 | ||
| P/S | 3.66 | ||
| P/FCF | 13.27 | ||
| P/OCF | 11.42 | ||
| P/B | 0.96 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY7.99%
EPS(NY)1.77
Fwd EY10.61%
FCF(TTM)1.25
FCFY7.54%
OCF(TTM)1.46
OCFY8.76%
SpS4.55
BVpS17.33
TBVpS16.63
PEG (NY)0.26
PEG (5Y)N/A
Graham Number22.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.19% | ||
| GM | N/A | ||
| FCFM | 27.57% |
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-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 196.07% | ||
| Cap/Sales | 4.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 101.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC17.51%
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 Y47.77%
EPS Next 2Y31.59%
EPS Next 3Y21.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.89%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%33.3%
Revenue Next Year31.06%
Revenue Next 2Y21.46%
Revenue Next 3Y15.45%
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 1Y2.96%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y9.76%
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 3 / 10 to BWB.
What is the valuation status for BWB stock?
ChartMill assigns a valuation rating of 5 / 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 12.51 and the Price/Book (PB) ratio is 0.96.
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 47.77% in the next year.