BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) Fundamental Analysis & Valuation

NASDAQ:BWBBP • US1086213014

Current stock price

19.94 USD
-0.02 (-0.1%)
Last:

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

3

1. BWBBP Profitability Analysis

1.1 Basic Checks

  • In the past year BWBBP was profitable.
  • In the past year BWBBP had a positive cash flow from operations.
  • BWBBP had positive earnings in each of the past 5 years.
  • In the past 5 years BWBBP always reported a positive cash flow from operatings.
BWBBP Yearly Net Income VS EBIT VS OCF VS FCFBWBBP 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

  • The Return On Assets of BWBBP (0.78%) is worse than 66.76% of its industry peers.
  • BWBBP has a worse Return On Equity (8.13%) than 63.83% of its industry peers.
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
BWBBP Yearly ROA, ROE, ROICBWBBP 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

  • BWBBP has a better Profit Margin (29.32%) than 71.28% of its industry peers.
  • In the last couple of years the Profit Margin of BWBBP has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for BWBBP so they could not be analyzed.
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
BWBBP Yearly Profit, Operating, Gross MarginsBWBBP 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. BWBBP Health Analysis

2.1 Basic Checks

  • BWBBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BWBBP has more shares outstanding
  • Compared to 5 years ago, BWBBP has less shares outstanding
  • BWBBP has a worse debt/assets ratio than last year.
BWBBP Yearly Shares OutstandingBWBBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
BWBBP Yearly Total Debt VS Total AssetsBWBBP 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

  • The Debt to FCF ratio of BWBBP is 4.95, which is a neutral value as it means it would take BWBBP, 4.95 years of fcf income to pay off all of its debts.
  • BWBBP's Debt to FCF ratio of 4.95 is on the low side compared to the rest of the industry. BWBBP is outperformed by 71.28% of its industry peers.
  • A Debt/Equity ratio of 0.21 indicates that BWBBP is not too dependend on debt financing.
  • BWBBP has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.36%
BWBBP Yearly LT Debt VS Equity VS FCFBWBBP 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
BWBBP Yearly Current Assets VS Current LiabilitesBWBBP 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. BWBBP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.71% over the past year.
  • Measured over the past years, BWBBP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.18% on average per year.
  • The Revenue has grown by 30.84% in the past year. This is a very strong growth!
  • BWBBP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.85% yearly.
EPS 1Y (TTM)47.71%
EPS 3Y-4.25%
EPS 5Y10.18%
EPS Q2Q%32.26%
Revenue 1Y (TTM)30.84%
Revenue growth 3Y1.77%
Revenue growth 5Y8.85%
Sales Q2Q%43.13%

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, BWBBP 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.
BWBBP Yearly Revenue VS EstimatesBWBBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
BWBBP Yearly EPS VS EstimatesBWBBP 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. BWBBP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.39, BWBBP is valued correctly.
  • BWBBP's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of BWBBP to the average of the S&P500 Index (26.64), we can say BWBBP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.90 indicates a reasonable valuation of BWBBP.
  • Based on the Price/Forward Earnings ratio, BWBBP is valued a bit cheaper than 66.76% of the companies in the same industry.
  • BWBBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.39
Fwd PE 8.9
BWBBP Price Earnings VS Forward Price EarningsBWBBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BWBBP is valued a bit more expensive than 78.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.26
EV/EBITDA N/A
BWBBP Per share dataBWBBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • BWBBP'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 BWBBP's earnings are expected to grow with 21.79% in the coming years.
PEG (NY)0.49
PEG (5Y)1.22
EPS Next 2Y21.79%
EPS Next 3YN/A

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

6

5. BWBBP Dividend Analysis

5.1 Amount

  • BWBBP has a Yearly Dividend Yield of 7.34%, which is a nice return.
  • BWBBP's Dividend Yield is rather good when compared to the industry average which is at 2.57. BWBBP pays more dividend than 98.94% of the companies in the same industry.
  • BWBBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.34%

5.2 History

  • BWBBP has been paying a dividend for over 5 years, so it has already some track record.
  • BWBBP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
BWBBP Yearly Dividends per shareBWBBP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 9.64% of the earnings are spent on dividend by BWBBP. This is a low number and sustainable payout ratio.
DP9.64%
EPS Next 2Y21.79%
EPS Next 3YN/A
BWBBP Yearly Income VS Free CF VS DividendBWBBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M
BWBBP Dividend Payout.BWBBP Dividend Payout, showing the Payout Ratio.BWBBP Dividend Payout.PayoutRetained Earnings

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BWBBP Fundamentals: All Metrics, Ratios and Statistics

BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP

NASDAQ:BWBBP (5/1/2026, 8:13:00 PM)

19.94

-0.02 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-21
Earnings (Next)07-21
Inst Owners63.82%
Inst Owner ChangeN/A
Ins Owners20.65%
Ins Owner ChangeN/A
Market Cap554.73M
Revenue(TTM)143.35M
Net Income(TTM)42.03M
Analysts77.5
Price Target24.73 (24.02%)
Short Float %0.02%
Short Ratio1.99
Dividend
Industry RankSector Rank
Dividend Yield 7.34%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP9.64%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-13
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)-4.28%
PT rev (3m)6.38%
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 12.39
Fwd PE 8.9
P/S 3.87
P/FCF 25.26
P/OCF 19.95
P/B 1.07
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)1.61
EY8.07%
EPS(NY)2.24
Fwd EY11.23%
FCF(TTM)0.79
FCFY3.96%
OCF(TTM)1
OCFY5.01%
SpS5.15
BVpS18.59
TBVpS17.91
PEG (NY)0.49
PEG (5Y)1.22
Graham Number25.9484 (30.13%)
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
WACC16.36%
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)47.71%
EPS 3Y-4.25%
EPS 5Y10.18%
EPS Q2Q%32.26%
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%43.13%
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 - BWB 5 7/8 PERP / BWBBP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BWBBP.


Can you provide the valuation status for BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP?

ChartMill assigns a valuation rating of 5 / 10 to BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP). This can be considered as Fairly Valued.


Can you provide the profitability details for BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP?

BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) has a profitability rating of 3 / 10.


What is the financial health of BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) stock?

The financial health rating of BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) is 1 / 10.


Is the dividend of BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP sustainable?

The dividend rating of BRIDGEWATER BANCSHARES - BWB 5 7/8 PERP (BWBBP) is 6 / 10 and the dividend payout ratio is 9.64%.