A Business at a Glance
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Bridgewater Bancshares Inc
BWB
$586M
Mkt Cap
$20.78
+1.76%
Bridgewater Bancshares Inc (BWB) has a current P/E ratio of 13.9, compared to its historical median P/E of 11.8. The stock is currently considered Expensive based on its historical valuation range.
Bridgewater Bancshares Inc (BWB) has a 5-year average return on invested capital (ROIC) of 9.6%. This is below average and may indicate limited pricing power.
Bridgewater Bancshares Inc (BWB) has a market capitalization of $578M. It is classified as a small-cap stock.
Yes, Bridgewater Bancshares Inc (BWB) pays a dividend with a trailing twelve-month yield of 0.70%. The company also returns capital through share buybacks, with a buyback yield of 0.38%.
Based on historical P/E analysis, Bridgewater Bancshares Inc (BWB) appears expensive. The current P/E of 13.9 is 18% above its historical median of 11.8. The estimated fair value CAGR (P/E method) is 5.0%.
Bridgewater Bancshares Inc (BWB) operates in the State Commercial Banks industry, within the Financials sector.
Bridgewater Bancshares Inc operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 157M | 293M | - | 229M | 170M | 134M |
| Net Income | 50M | 42M | 33M | 36M | 49M | 45M |
| EPS | $1.80 | $1.49 | $1.03 | $1.27 | $1.72 | $1.54 |
| Free Cash Flow | 29M | 22M | 42M | 27M | 83M | 53M |
| ROIC | 0.0% | 7.9% | 7.2% | 8.5% | 12.1% | 12.3% |
| Gross Margin | - | 53.0% | 47.8% | 58.0% | 75.5% | 81.7% |
| Debt/Equity | 0.00 | 0.15 | 0.03 | 0.03 | 0.03 | 0.08 |
| Dividends/Share | $0.15 | $0.14 | - | $0.14 | $0.14 | $0.04 |
| Operating Income | 0 | 60M | 43M | 53M | 72M | 62M |
| Operating Margin | 0.0% | 20.5% | - | 23.0% | 42.2% | 45.9% |
| ROE | 9.4% | 8.6% | 7.4% | 8.8% | 12.8% | 13.8% |
| Shares Outstanding | 28M | 28M | 32M | 28M | 29M | 29M |
| Metric | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 53M | 69M | 88M | 108M | 121M | 134M | 170M | 229M | N/A | 293M | 157M |
| Gross Margin | 0.0% | 79.8% | 22.2% | 69.9% | 67.2% | 81.7% | 75.5% | 58.0% | 47.8% | 53.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 12M | 14M | 19M | 22M | 26M | 31M | 37M | 37M | N/A | 47M | 50M |
| EBIT | 21M | 27M | 32M | 38M | 36M | 62M | 72M | 53M | 43M | 60M | 0 |
| Op. Margin | 40.0% | 39.3% | 36.6% | 35.6% | 29.6% | 45.9% | 42.2% | 23.0% | N/A | 20.5% | 0.0% |
| Net Income | 13M | 17M | 27M | 31M | 27M | 45M | 49M | 36M | 33M | 42M | 50M |
| Net Margin | 24.8% | 24.5% | 30.7% | 29.2% | 22.5% | 33.2% | 29.0% | 15.7% | N/A | 14.4% | 31.7% |
| Non-Recurring | 0 | 0 | 0 | -9K | -2K | 0 | -18K | -20K | 0 | -6K | -6K |
| Returns on Capital | |||||||||||
| ROIC | N/A | 11.4% | 13.5% | 12.7% | 9.5% | 12.3% | 12.1% | 8.5% | 7.2% | 7.9% | 0.0% |
| ROE | N/A | 13.4% | 15.0% | 13.5% | 10.7% | 13.8% | 12.8% | 8.8% | 7.4% | 8.6% | 9.4% |
| ROA | N/A | 2.1% | 1.5% | 1.5% | 1.0% | 1.4% | 1.3% | 0.8% | 0.7% | 0.8% | 0.9% |
| Cash Flow | |||||||||||
| Op. Cash Flow | 15M | 25M | 29M | 40M | 23M | 54M | 85M | 30M | 46M | 28M | 36M |
| Free Cash Flow | 13M | 24M | 26M | 24M | -1.7M | 53M | 83M | 27M | 42M | 22M | 29M |
| Owner Earnings | 14M | 24M | 28M | 38M | 20M | 49M | 79M | 24M | 40M | 21M | 29M |
| CapEx | 2.2M | 1.2M | 3.7M | 16M | 25M | 777K | 1.6M | 3.0M | 4.1M | 5.8M | 7.1M |
| Maint. CapEx | 586K | 694K | 761K | 1.0M | 1.2M | 2.4M | 2.6M | 2.5M | 2.4M | 2.5M | 2.5M |
| Growth CapEx | 1.6M | 541K | 3.0M | 15M | 23M | 0 | 0 | 461K | 1.7M | 3.4M | 4.7M |
| D&A | 586K | 694K | 761K | 1.0M | 1.2M | 2.4M | 2.6M | 2.5M | 2.4M | 2.5M | 2.5M |
| CapEx/OCF | N/A | N/A | 12.6% | 39.4% | 107.3% | 1.4% | 1.9% | 9.9% | 8.8% | 21.0% | 19.6% |
| Capital Allocation | |||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 1.2M | 4.1M | 4.1M | 0 | 4.1M | 4.1M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | 0.2% | 0.8% | 1.3% | N/A | 0.9% | 0.7% |
| Share Buybacks | 192K | 0 | 0 | 15M | 10M | 2.3M | 11M | 4.5M | 5.2M | 2.2M | 2.2M |
| Buyback Yield | 0.0% | N/A | N/A | 3.6% | 2.8% | 0.4% | 2.2% | 1.2% | 1.4% | 0.4% | 0.4% |
| Stock-Based Comp | 222K | 368K | 799K | 752K | 1.7M | 2.4M | 3.3M | 4.0M | 3.9M | 4.2M | 4.5M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||
| Net Debt | 3.5M | -229M | -267M | -309M | -503M | -554M | -622M | -115M | -216M | -45M | -222M |
| Cash & Equiv. | 16M | 24M | 28M | 32M | 161M | 143M | 87M | 129M | 230M | 124M | 222M |
| Long-Term Debt | 20M | 24M | 15M | 13M | 49M | 29M | 14M | 14M | 14M | 79M | 79M |
| Debt/Equity | N/A | 0.18 | 0.07 | 0.05 | 0.18 | 0.08 | 0.03 | 0.03 | 0.03 | 0.15 | 0.00 |
| Interest Coverage | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | N/A | 137M | 221M | 245M | 265M | 379M | 394M | 426M | 458M | 517M | 528M |
| Total Assets | N/A | 1.6B | 2.0B | 2.3B | 2.9B | 3.5B | 4.3B | 4.6B | 5.1B | 5.4B | 5.3B |
| Total Liabilities | N/A | 1.5B | 1.8B | 2.0B | 2.7B | 3.1B | 4.0B | 4.2B | 4.6B | 4.9B | 4.8B |
| Intangibles | N/A | 1.2M | 1.1M | 861K | 670K | 479K | 288K | 188K | 7.8M | 6.9M | 6.7M |
| Retained Earnings | N/A | 70M | 96M | 128M | 155M | 199M | 249M | 281M | 309M | 351M | 368M |
| Working Capital | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||
| EPS | 0.58 | 0.68 | 0.91 | 1.05 | 0.93 | 1.54 | 1.72 | 1.27 | 1.03 | 1.49 | 1.80 |
| Owner EPS | 0.62 | 0.96 | 0.94 | 1.26 | 0.69 | 1.71 | 2.76 | 0.83 | 1.26 | 0.75 | 1.06 |
| Book Value | N/A | 5.52 | 7.47 | 8.19 | 9.08 | 13.12 | 13.74 | 15.05 | 14.37 | 18.33 | 18.99 |
| Cash Flow/Share | 0.66 | 1.00 | 0.99 | 1.32 | 0.79 | 1.88 | 2.96 | 1.06 | 1.46 | 0.99 | 1.88 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | 0.04 | 0.14 | 0.14 | N/A | 0.14 | 0.15 |
| Shares Out. | 22.8M | 24.8M | 29.6M | 29.9M | 29.2M | 28.9M | 28.7M | 28.3M | 31.9M | 28.2M | 27.8M |
| Valuation | |||||||||||
| P/E Ratio | N/A | N/A | 11.2 | 13.2 | 13.4 | 11.5 | 10.1 | 10.5 | 13.1 | 12.1 | 11.6 |
| P/FCF | N/A | N/A | 11.8 | 17.3 | N/A | 9.6 | 6.0 | 13.9 | 10.2 | 23.1 | 19.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | 1.4 | 1.7 | 1.4 | 1.3 | 1.3 | 0.9 | 0.8 | 1.0 | 1.1 |
| Price/Sales | N/A | N/A | 5.5 | 4.4 | 3.4 | 4.1 | 3.6 | 2.9 | 3.3 | 3.1 | 3.7 |
| FCF Yield | N/A | N/A | 8.5% | 5.8% | -0.5% | 10.5% | 16.8% | 7.2% | 11.2% | 4.3% | 5.0% |
| Market Cap | 0 | N/A | 302M | 414M | 364M | 511M | 496M | 375M | 377M | 508M | 578M |
| Avg. Price | 0.00 | N/A | 12.50 | 11.51 | 10.76 | 16.34 | 17.24 | 11.34 | 12.94 | 15.56 | 20.78 |
| Year-End Price | 0.00 | N/A | 10.22 | 13.83 | 12.45 | 17.69 | 17.30 | 13.28 | 13.49 | 18.02 | 20.78 |
Bridgewater Bancshares Inc passes 5 of 9 quality checks, suggesting mixed fundamentals.
Bridgewater Bancshares Inc trades at 13.9x trailing earnings, compared to its 15-year median P/E of 11.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 26.3x vs a median of 11.8x. The company's 5-year average ROIC is 9.6% with a gross margin of 63.2%. Total shareholder yield (dividends + buybacks) is 1.1%. At current prices, the estimated annualized return to fair value is +14.5%.
Bridgewater Bancshares Inc (BWB) reported annual revenue of $293 million in its most recent fiscal year, based on SEC EDGAR filings.
Bridgewater Bancshares Inc (BWB) has a net profit margin of 14.4%. This is a healthy margin.
Bridgewater Bancshares Inc (BWB) generated $22 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Bridgewater Bancshares Inc (BWB) has a debt-to-equity ratio of 0.15. This indicates a conservatively financed balance sheet.
Bridgewater Bancshares Inc (BWB) reported earnings per share (EPS) of $1.49 in its most recent fiscal year.
Bridgewater Bancshares Inc (BWB) has a return on equity (ROE) of 8.6%. This indicates moderate shareholder returns.
Bridgewater Bancshares Inc (BWB) has a 5-year average gross margin of 63.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 10 years of financial data for Bridgewater Bancshares Inc (BWB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Bridgewater Bancshares Inc (BWB) has a book value per share of $18.33, based on its most recent annual SEC filing.