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Company Analysis

Bridgewater Bancshares, Inc. BWB

A comprehensive view of key metrics, scores, and financial health for Bridgewater Bancshares, Inc.

Overview of Bridgewater Bancshares, Inc.

BWB NCM
Financial Services Banks - Regional Small Cap
Bridgewater Bancshares, Inc. (BWB), is a Small Cap company, in the Banks - Regional industry, last closed at $17.08, about 7.9% overvalued vs fair value, +22.4% 1Y return, ranked 783/1004 in sector.
$17.08
-0.70%
As of March 13, 2026
Previous close • Vol 90d: 26.2%
52-Week Range
Market Cap
$475.24M
Enterprise Value
$859.91M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.bridgewaterbankmn....
HQ Saint Louis Park, MN
Employees 322
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$16
$29
Current: $17.08 -8% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$245.9M
10.6%%
Interest Expense
$149.4M
Net Interest Income
$102.2M
-2.8%%
Total Revenue
$291.6M
170.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.0M
34.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bridgewater Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BWB's balance between Growth (54.7%), Profitability (23.2%), and Safety (22.2%). Growth 55% Safety 22% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

83th percentile vs peers
83
Key Signals
Rev Growth YoY 1.71 95p Revenue CAGR 3Y 29.2% 83p Asset Growth YoY 6.7% 66p
Strengths
  • Growth performance in top 20% of peers (percentile: 83)
  • Rev Growth Yoy in top 20% of peers (1.71, 95th percentile)
  • Revenue Cagr 3Y in top 20% of peers (29.2%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
34
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bridgewater Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.73
- - -
-7.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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