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BRIDGEWATER BANCSHARES INC (BWB) Stock Fundamental Analysis

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

14  +0.14 (+1.01%)

After market: 14 0 (0%)

Fundamental Rating

3

Taking everything into account, BWB scores 3 out of 10 in our fundamental rating. BWB was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of BWB have multiple concerns. BWB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BWB was profitable.
In the past year BWB had a positive cash flow from operations.
In the past 5 years BWB has always been profitable.
Of the past 5 years BWB 4 years had a positive operating cash flow.
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

BWB has a worse Return On Assets (0.63%) than 63.37% of its industry peers.
With a Return On Equity value of 6.51%, BWB is not doing good in the industry: 64.60% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.63%
ROE 6.51%
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

With a decent Profit Margin value of 27.57%, BWB is doing good in the industry, outperforming 72.77% 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 RankSector Rank
OM N/A
PM (TTM) 27.57%
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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2

2. Health

2.1 Basic Checks

BWB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BWB has been reduced compared to 1 year ago.
The number of shares outstanding for BWB has been reduced compared to 5 years ago.
Compared to 1 year ago, BWB has an improved debt to assets ratio.
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 37.39. This is a negative value and a sign of low solvency as BWB would need 37.39 years to pay back of all of its debts.
With a Debt to FCF ratio value of 37.39, BWB is not doing good in the industry: 81.68% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.21 indicates that BWB is not too dependend on debt financing.
The Debt to Equity ratio of BWB (0.21) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 37.39
Altman-Z N/A
ROIC/WACCN/A
WACC15.16%
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 strongly by -17.46% 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.
The Revenue has decreased by -1.89% in the past year.
The Revenue has been growing slightly by 7.06% on average over the past years.
EPS 1Y (TTM)-17.46%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%-7.14%
Revenue 1Y (TTM)-1.89%
Revenue growth 3Y-1.54%
Revenue growth 5Y7.06%
Sales Q2Q%10.39%

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.
BWB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.01% yearly.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.46, BWB is valued correctly.
BWB's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.35, BWB is valued rather cheaply.
BWB is valuated reasonably with a Price/Forward Earnings ratio of 10.58.
BWB's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.10. BWB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.46
Fwd PE 10.58
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 more expensive than 83.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 154.53
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.
A more expensive valuation may be justified as BWB's earnings are expected to grow with 22.07% in the coming years.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y22.07%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

BWB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BRIDGEWATER BANCSHARES INC

NASDAQ:BWB (3/7/2025, 8:09:01 PM)

After market: 14 0 (0%)

14

+0.14 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)04-22 2025-04-22/amc
Inst Owners56.33%
Inst Owner Change9.89%
Ins Owners20.66%
Ins Owner Change-0.68%
Market Cap385.70M
Analysts80
Price Target17.85 (27.5%)
Short Float %0.56%
Short Ratio1.9
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP13.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.15%
Min EPS beat(2)6.37%
Max EPS beat(2)13.93%
EPS beat(4)3
Avg EPS beat(4)6.48%
Min EPS beat(4)-3.53%
Max EPS beat(4)13.93%
EPS beat(8)5
Avg EPS beat(8)4.97%
EPS beat(12)7
Avg EPS beat(12)3.28%
EPS beat(16)10
Avg EPS beat(16)1.72%
Revenue beat(2)0
Avg Revenue beat(2)-1.15%
Min Revenue beat(2)-1.39%
Max Revenue beat(2)-0.91%
Revenue beat(4)0
Avg Revenue beat(4)-2.1%
Min Revenue beat(4)-4.11%
Max Revenue beat(4)-0.91%
Revenue beat(8)0
Avg Revenue beat(8)-3.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.25%
Revenue beat(16)6
Avg Revenue beat(16)-0.28%
PT rev (1m)1.94%
PT rev (3m)-1.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.96%
EPS NY rev (1m)1.92%
EPS NY rev (3m)1.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.31%
Valuation
Industry RankSector Rank
PE 13.46
Fwd PE 10.58
P/S 3.61
P/FCF 154.53
P/OCF 115.69
P/B 0.85
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.04
EY7.43%
EPS(NY)1.32
Fwd EY9.45%
FCF(TTM)0.09
FCFY0.65%
OCF(TTM)0.12
OCFY0.86%
SpS3.88
BVpS16.41
TBVpS16.31
PEG (NY)0.49
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.63%
ROE 6.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.57%
GM N/A
FCFM 2.34%
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 0.21
Debt/FCF 37.39
Debt/EBITDA N/A
Cap/Depr 34.74%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 8.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.16%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-17.46%
EPS 3Y-12.27%
EPS 5Y-0.19%
EPS Q2Q%-7.14%
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%10.39%
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 1Y-93.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-92.27%
OCF growth 3YN/A
OCF growth 5YN/A