(BWB) Bridgewater Bancshares - Ratings and Ratios

Bridgewater Bancshares, Inc. is a bank holding company for Bridgewater Bank, specializing in banking services tailored for commercial real estate investors, entrepreneurs, and small to medium-sized businesses. The company also serves individual clients. Its product offerings include a range of deposit accounts such as savings and money market accounts, demand deposits, time deposits, and certificates of deposit. Additionally, it provides commercial loans for working capital, capital expenditures, and other business purposes, as well as specialized lending products like construction loans, multifamily loans, and owner-occupied and non-owner-occupied commercial real estate loans. Consumer loans and online, mobile, and direct banking services are also part of its offerings. Established in 2005, Bridgewater Bancshares is headquartered in Saint Louis Park, Minnesota, and has a strong presence in the Twin Cities metropolitan area. The company’s business model is focused on delivering personalized banking services to its clients, emphasizing relationship-building and tailored financial solutions.

As a regional bank, Bridgewater Bancshares operates primarily in Minnesota, catering to the financial needs of local businesses and individuals. The company’s lending activities are heavily concentrated in commercial real estate, which is a key driver of its revenue. Its focus on entrepreneurial clients and small businesses positions it as a niche player in the competitive banking sector. Bridgewater Bancshares has also invested in digital banking platforms to enhance customer convenience and accessibility. The company’s financial performance is closely tied to the economic conditions of its operating region, particularly the real estate market and the overall health of small and medium-sized businesses. Its strategic approach to risk management and asset quality has been a critical factor in maintaining stability and growth.

3-Month Forecast (Based on Technical and Fundamental Data): - Technical Outlook: The stock is currently trading below its 20-day SMA of 14.50, indicating near-term downward pressure. The 50-day SMA of 13.97 and 200-day SMA of 13.56 suggest a potential downtrend if the stock fails to breach the 14.50 level. The ATR of 0.39 indicates moderate volatility. - Fundamental Outlook: With a P/E ratio of 14.44, the stock is reasonably valued compared to industry peers. The P/B ratio of 1.05 reflects a modest premium to book value. The P/S ratio of 3.86 suggests revenue multiple in line with peers, but rising interest rates could pressure net interest margins. The RoE of 7.41% indicates adequate profitability. Overall, expect sideways to slightly negative movement in the near term, with support near the 200-day SMA.