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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

NASDAQ:BWB - Nasdaq - US1086211034 - Common Stock - Currency: USD

13.82  +0.31 (+2.29%)

After market: 13.82 0 (0%)

Fundamental Rating

4

BWB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. BWB may be in some trouble as it scores bad on both profitability and health. BWB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BWB had positive earnings in the past year.
BWB had a positive operating cash flow in the past year.
BWB had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.57%, BWB is doing worse than 69.60% of the companies in the same industry.
With a Return On Equity value of 6.28%, BWB is not doing good in the industry: 67.34% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.57%
ROE 6.28%
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
BWB Yearly ROA, ROE, ROICBWB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BWB's Profit Margin of 26.26% is fine compared to the rest of the industry. BWB outperforms 66.33% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 26.26%
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
BWB Yearly Profit, Operating, Gross MarginsBWB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

BWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BWB has less shares outstanding
Compared to 5 years ago, BWB has less shares outstanding
BWB has a better debt/assets ratio than last year.
BWB Yearly Shares OutstandingBWB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

2.2 Solvency

BWB has a debt to FCF ratio of 2.21. This is a good value and a sign of high solvency as BWB would need 2.21 years to pay back of all of its debts.
The Debt to FCF ratio of BWB (2.21) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.20 indicates that BWB is not too dependend on debt financing.
BWB has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.21
Altman-Z N/A
ROIC/WACCN/A
WACC18.55%
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 0 100M 200M 300M 400M

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 50M 100M 150M 200M 250M

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5

3. Growth

3.1 Past

The earnings per share for BWB have decreased by -0.88% in the last year.
BWB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.19% yearly.
BWB shows a decrease in Revenue. In the last year, the revenue decreased by -1.89%.
BWB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.06% yearly.
EPS 1Y (TTM)-0.88%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%33.33%
Revenue 1Y (TTM)-1.89%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.33%

3.2 Future

BWB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.07% yearly.
Based on estimates for the next years, BWB will show a quite strong growth in Revenue. The Revenue will grow by 17.01% on average per year.
EPS Next Y27.22%
EPS Next 2Y22.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.1%
Revenue Next 2Y17.01%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BWB Yearly Revenue VS EstimatesBWB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
BWB Yearly EPS VS EstimatesBWB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.34, BWB is valued correctly.
BWB's Price/Earnings is on the same level as the industry average.
BWB is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.92, the valuation of BWB can be described as reasonable.
BWB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BWB is cheaper than 69.60% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, BWB is valued rather cheaply.
Industry RankSector Rank
PE 12.34
Fwd PE 8.92
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

Based on the Price/Free Cash Flow ratio, BWB is valued a bit cheaper than the industry average as 71.61% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.02
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

BWB's 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 22.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y22.07%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for BWB!.
Industry RankSector Rank
Dividend Yield N/A

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BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (4/24/2025, 4:30:02 PM)

After market: 13.82 0 (0%)

13.82

+0.31 (+2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners56.33%
Inst Owner Change-0.09%
Ins Owners20.66%
Ins Owner Change-0.63%
Market Cap381.43M
Analysts80
Price Target17 (23.01%)
Short Float %0.49%
Short Ratio1.87
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP14.09%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.21%
Min EPS beat(2)13.93%
Max EPS beat(2)16.48%
EPS beat(4)3
Avg EPS beat(4)8.31%
Min EPS beat(4)-3.53%
Max EPS beat(4)16.48%
EPS beat(8)6
Avg EPS beat(8)7.71%
EPS beat(12)8
Avg EPS beat(12)4.66%
EPS beat(16)11
Avg EPS beat(16)4.66%
Revenue beat(2)1
Avg Revenue beat(2)1.39%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)3.7%
Revenue beat(4)1
Avg Revenue beat(4)-0.68%
Min Revenue beat(4)-4.11%
Max Revenue beat(4)3.7%
Revenue beat(8)1
Avg Revenue beat(8)-2.34%
Revenue beat(12)3
Avg Revenue beat(12)-1.79%
Revenue beat(16)6
Avg Revenue beat(16)-0.82%
PT rev (1m)0%
PT rev (3m)-1.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.84%
EPS NY rev (1m)0%
EPS NY rev (3m)1.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.63%
Valuation
Industry RankSector Rank
PE 12.34
Fwd PE 8.92
P/S 3.48
P/FCF 9.02
P/OCF 8.22
P/B 0.83
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)1.12
EY8.1%
EPS(NY)1.55
Fwd EY11.21%
FCF(TTM)1.53
FCFY11.09%
OCF(TTM)1.68
OCFY12.16%
SpS3.97
BVpS16.59
TBVpS15.87
PEG (NY)0.45
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 6.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.26%
GM N/A
FCFM 38.6%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.21
Debt/EBITDA N/A
Cap/Depr 135.77%
Cap/Sales 3.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 147.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC18.55%
ROIC/WACCN/A
Cap/Depr(3y)96.44%
Cap/Depr(5y)416.67%
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)-0.88%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%33.33%
EPS Next Y27.22%
EPS Next 2Y22.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.89%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%23.33%
Revenue Next Year22.1%
Revenue Next 2Y17.01%
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 1Y56.39%
FCF growth 3Y-7.51%
FCF growth 5Y12.04%
OCF growth 1Y54.51%
OCF growth 3Y-5.09%
OCF growth 5Y3.25%