Bridgewater Bancshares (BWB) AI Stock Analysis

• Market Cap: $401.17M
• Dividend Yield: N/A
• Average Volume (3M): 85.68K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 1.09
• Revenue Growth: 10.63%
• EPS Growth: -3.35%
• Country: US
• Employees: 292
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 27,439,945
• 10 Day Avg. Volume: 52,885
• 30 Day Avg. Volume: 85,677
• PEG Ratio: 2.17
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.02
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $17.50
• Price Target Upside: 20.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: ―

Bridgewater Bancshares scores a 73, driven by solid financial performance and positive earnings call insights. Strong profitability, efficient cash flow management, and strategic growth focus are significant strengths. However, mixed technical indicators and a neutral valuation suggest potential caution in the short term. The company's reliance on debt and market volatility are areas to monitor, but overall, the outlook remains positive.

Bridgewater Bancshares Business Overview & Revenue Model

Company Description

Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, small business entrepreneurs, and high net worth individuals in the United States. The company offers savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It also provides commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance accounts receivable or inventory, capital assets, or other business-related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. It operates through seven full-service offices located in Bloomington, Greenwood, Minneapolis, St. Louis Park, Orono, and St. Paul, Minnesota. The company was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.

How the Company Makes Money

Bridgewater Bancshares generates revenue primarily through interest income from its loan portfolio, which includes commercial real estate loans, multifamily loans, and construction loans. The company also earns money from service charges and fees associated with its deposit accounts and other financial services. Additionally, non-interest income sources, such as gains from the sale of loans and investment securities, contribute to its earnings. Bridgewater's strategic focus on relationship-based banking and providing tailored financial solutions helps in building customer loyalty and driving profitability. The company's partnerships with local businesses and real estate developers are significant factors in its revenue generation.

Bridgewater Bancshares Financial Statement Overview

Summary

Bridgewater Bancshares showcases a solid financial foundation with strong profitability and efficient cash flow management. The income statement reflects robust margins, though revenue growth has been inconsistent, posing a risk. The balance sheet indicates stability but a higher reliance on debt, while the cash flow statement highlights strong operational cash generation.

Income Statement

Bridgewater Bancshares demonstrates a stable financial performance with a solid Gross Profit Margin of 98.16% for TTM, indicating efficient cost management. The Net Profit Margin for TTM is robust at 28.15%, reflecting strong profitability. However, the Revenue Growth Rate has been volatile, with a decline in the latest annual report, suggesting potential challenges in revenue generation. The EBIT Margin of 29.23% for TTM is healthy, showcasing operational efficiency.

Balance Sheet

The company's Debt-to-Equity Ratio of 0.94 indicates a balanced approach to leverage, although it has slightly increased compared to previous years. Return on Equity for TTM is impressive at 7.39%, highlighting effective use of equity. The Equity Ratio stands at 9.13%, which is relatively low, suggesting a higher reliance on debt financing. Overall, the balance sheet shows financial stability with some areas to monitor for leverage.

Cash Flow

Operating Cash Flow is strong relative to Net Income, with a ratio of 1.35 for TTM, underscoring efficient cash generation from operations. The Free Cash Flow Growth Rate is modest but positive, indicating steady cash flow management. Free Cash Flow to Net Income Ratio for TTM is 1.23, suggesting solid cash flow generation relative to earnings. The cash flow statement reflects a healthy liquidity position.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
123.02M	107.74M	111.84M	136.03M	114.82M	93.80M
	Gross Profit
120.76M	980.00	111.84M	136.03M	114.82M	93.80M
	EBIT
35.96M	42.74M	62.18M	108.77M	61.57M	35.67M
	EBITDA
35.80M	0.00	55.66M	74.96M	64.13M	37.06M
	Net Income Common Stockholders
34.63M	32.83M	39.96M	53.39M	45.69M	27.19M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
256.29M	998.01M	128.56M	94.60M	584.71M	554.16M
	Total Assets
1.62B	5.07B	4.61B	4.35B	3.48B	2.93B
	Total Debt
109.53M	452.92M	412.54M	189.66M	134.74M	142.24M
	Net Debt
82.73M	218.78M	283.98M	101.43M	-10.61M	-21.30M
	Total Liabilities
1.48B	4.61B	4.19B	3.95B	3.10B	2.66B
	Stockholders Equity
137.16M	457.94M	425.51M	394.06M	379.27M	265.40M
Cash Flow		Free Cash Flow
42.70M	42.30M	27.05M	83.37M	53.46M	-1.67M
	Operating Cash Flow
46.65M	46.38M	30.02M	85.00M	54.24M	23.02M
	Investing Cash Flow
-146.49M	-95.24M	-209.18M	-938.24M	-571.42M	-530.33M
	Financing Cash Flow
122.68M	150.06M	220.69M	796.81M	499.99M	636.05M

Bridgewater Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BWB, the sentiment is Neutral. The current price of 14.55 is below the 20-day moving average (MA) of 15.15, above the 50-day MA of 14.36, and above the 200-day MA of 14.28, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 44.30 is Neutral, neither overbought nor oversold. The STOCH value of 10.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BWB.

Bridgewater Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RRBI	78 Outperform	$375.13M	10.45	11.51%	0.69%	10.47%	13.63%
HBCP	76 Outperform	$390.07M	10.48	9.85%	2.10%	9.82%	0.91%
USCB	76 Outperform	$323.58M	11.75	13.20%	1.86%	26.42%	78.75%
BSVN	75 Outperform	$365.59M	8.13	22.26%	2.40%	1.20%	46.86%
BWB	73 Outperform	$401.17M	13.25	7.67%	―	10.63%	-3.35%
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.31%	-7.69%
BSRR	62 Neutral	$379.88M	9.71	11.58%	3.63%	1.99%	17.65%

Bridgewater Bancshares Corporate Events

Bridgewater Bancshares Unveils Strategic Investor Presentation

Bridgewater Bancshares, Inc. has released an Investor Presentation to be used by its executives in meetings with investors and analysts. The presentation highlights the company’s strategic focus on commercial real estate and multifamily lending, its efficient operations, and its strong asset quality. The release underscores the company’s commitment to maintaining its growth trajectory and profitability while managing risks effectively.

Spark’s Take on BWB Stock

According to Spark, TipRanks’ AI Analyst, BWB is a Outperform.

Bridgewater Bancshares displays solid financial fundamentals with strong liquidity and equity health, which supports a positive outlook. The mixed technical indicators and neutral valuation metrics suggest a cautious approach in the short term. The positive earnings call and strategic guidance indicate potential for future growth, although revenue generation and market volatility remain challenges.

To see Spark’s full report on BWB stock, click here.

Bridgewater Bancshares Reports Strong Q1 2025 Results

On April 23, 2025, Bridgewater Bancshares announced its first quarter 2025 financial results, highlighting a net income of $9.6 million, an increase from previous quarters. The company declared a quarterly cash dividend on its Series A Preferred Stock, with a payment scheduled for June 2, 2025. The results reflect strong growth in net interest income, loan expansion, and improved efficiency ratios, despite economic uncertainties. This performance underscores Bridgewater’s strategic focus on maintaining asset quality and expanding its tangible book value.

Spark’s Take on BWB Stock

According to Spark, TipRanks’ AI Analyst, BWB is a Neutral.

Bridgewater Bancshares demonstrates solid financial fundamentals, with strong balance sheet and cash flow. However, the stock’s technical indicators suggest bearish momentum, and valuation metrics are neutral. Positive outcomes from the earnings call point towards growth potential, but the market remains cautious given mixed revenue performance and operational challenges.

To see Spark’s full report on BWB stock, click here.

Bridgewater Bancshares Unveils Investor Presentation Insights

Bridgewater Bancshares, Inc. recently furnished an Investor Presentation that will be utilized in meetings with investors and analysts. The presentation aims to provide insights into the company’s operations, focusing on its strategic growth, risk management, and profitability in the competitive financial services industry. The announcement highlights the company’s commitment to maintaining its strong market position and efficiently managing its operations, which is crucial for its stakeholders.