(BWB) Bridgewater Bancshares - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US1086211034
Stock: Commercial Loans, Real Estate Loans, Deposit Accounts, Digital Banking
Total Rating 61
Risk 89
Buy Signal -0.05
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 32.3% |
| Relative Tail Risk | -6.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.01 |
| Alpha | 27.28 |
| Character TTM | |
|---|---|
| Beta | 0.770 |
| Beta Downside | 1.022 |
| Drawdowns 3y | |
|---|---|
| Max DD | 46.42% |
| CAGR/Max DD | 0.22 |
Description: BWB Bridgewater Bancshares December 28, 2025
Bridgewater Bancshares, Inc. (NASDAQ:BWB) is the holding company for Bridgewater Bank, a regional lender headquartered in Saint Louis Park, Minnesota, that offers a full suite of commercial and consumer banking products-including commercial real-estate loans, construction financing, Paycheck Protection Program (PPP) loans, and a range of deposit accounts delivered through online, mobile, and branch channels.
As of the latest quarterly filing (Q2 2024), the bank reported total assets of roughly $2.2 billion and a loan-to-deposit ratio of 84%, indicating a relatively conservative funding profile. Its net interest margin (NIM) has hovered around 3.2%-slightly above the regional-bank average of 2.9%-reflecting a focus on higher-yield commercial-real-estate and construction loans. Key economic drivers for BWB include the Federal Reserve’s policy rate (which directly impacts loan pricing), regional commercial-real-estate demand in the Upper Midwest, and small-business credit health, all of which remain sensitive to macro-economic cycles.
For deeper quantitative analysis, you may find ValueRay’s dashboard useful.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 46.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.85 > 1.0 |
| NWC/Revenue: -1275 % < 20% (prev -1356 %; Δ 80.66% < -1%) |
| CFO/TA 0.01 > 3% & CFO 55.4m > Net Income 46.1m |
| Net Debt (-123.5m) to EBITDA (64.7m): -1.91 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.7m) vs 12m ago 2.12% < -2% |
| Gross Margin: 47.19% > 18% (prev 0.41%; Δ 4678 % > 0.5%) |
| Asset Turnover: 5.57% > 50% (prev 4.96%; Δ 0.61% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBITDA TTM 64.7m / Interest Expense TTM 149.4m) |
Altman Z'' -4.15
| A: -0.69 (Total Current Assets 900.0m - Total Current Liabilities 4.62b) / Total Assets 5.41b |
| B: 0.06 (Retained Earnings 351.5m / Total Assets 5.41b) |
| C: 0.01 (EBIT TTM 61.5m / Avg Total Assets 5.24b) |
| D: 0.07 (Book Value of Equity 352.3m / Total Liabilities 4.89b) |
| Altman-Z'' Score: -4.15 = D |
What is the price of BWB shares?
As of February 07, 2026, the stock is trading at USD 19.80 with a total of 110,130 shares traded.
Over the past week, the price has changed by +3.23%, over one month by +11.17%, over three months by +17.93% and over the past year by +35.52%.
Over the past week, the price has changed by +3.23%, over one month by +11.17%, over three months by +17.93% and over the past year by +35.52%.
Is BWB a buy, sell or hold?
Bridgewater Bancshares has received a consensus analysts rating of 4.67.
Therefore, it is recommended to buy BWB.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BWB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 22.4 | 13% |
| Analysts Target Price | 22.4 | 13% |
| ValueRay Target Price | 22.3 | 12.7% |
BWB Fundamental Data Overview February 01, 2026
P/E Trailing = 12.8926
P/S = 3.8839
P/B = 1.1817
Revenue TTM = 291.6m USD
EBIT TTM = 61.5m USD
EBITDA TTM = 64.7m USD
Long Term Debt = 192.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = 320.5m USD (from shortTermDebt, two quarters ago)
Debt = 513.1m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -123.5m USD (from netDebt column, last quarter)
Enterprise Value = 146.4m USD (533.3m + Debt 513.1m - CCE 900.0m)
Interest Coverage Ratio = 0.41 (Ebit TTM 61.5m / Interest Expense TTM 149.4m)
EV/FCF = 3.01x (Enterprise Value 146.4m / FCF TTM 48.7m)
FCF Yield = 33.26% (FCF TTM 48.7m / Enterprise Value 146.4m)
FCF Margin = 16.69% (FCF TTM 48.7m / Revenue TTM 291.6m)
Net Margin = 15.80% (Net Income TTM 46.1m / Revenue TTM 291.6m)
Gross Margin = 47.19% ((Revenue TTM 291.6m - Cost of Revenue TTM 154.0m) / Revenue TTM)
Gross Margin QoQ = 50.79% (prev 46.09%)
Tobins Q-Ratio = 0.03 (Enterprise Value 146.4m / Total Assets 5.41b)
Interest Expense / Debt = 7.33% (Interest Expense 37.6m / Debt 513.1m)
Taxrate = 22.24% (3.81m / 17.1m)
NOPAT = 47.8m (EBIT 61.5m * (1 - 22.24%))
Current Ratio = 0.19 (Total Current Assets 900.0m / Total Current Liabilities 4.62b)
Debt / Equity = 0.99 (Debt 513.1m / totalStockholderEquity, last quarter 517.1m)
Debt / EBITDA = -1.91 (Net Debt -123.5m / EBITDA 64.7m)
Debt / FCF = -2.54 (Net Debt -123.5m / FCF TTM 48.7m)
Total Stockholder Equity = 490.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 46.1m / Total Assets 5.41b)
RoE = 9.41% (Net Income TTM 46.1m / Total Stockholder Equity 490.0m)
RoCE = 9.01% (EBIT 61.5m / Capital Employed (Equity 490.0m + L.T.Debt 192.6m))
RoIC = 5.26% (NOPAT 47.8m / Invested Capital 908.7m)
WACC = 7.26% (E(533.3m)/V(1.05b) * Re(8.75%) + D(513.1m)/V(1.05b) * Rd(7.33%) * (1-Tc(0.22)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -1.74%
[DCF Debug] Terminal Value 78.81% ; FCFF base≈30.2m ; Y1≈26.1m ; Y5≈20.7m
Fair Price DCF = 20.19 (EV 436.8m - Net Debt -123.5m = Equity 560.4m / Shares 27.8m; r=7.26% [WACC]; 5y FCF grow -16.48% → 2.90% )
EPS Correlation: -27.30 | EPS CAGR: 3.27% | SUE: 2.13 | # QB: 1
Revenue Correlation: 95.24 | Revenue CAGR: 22.02% | SUE: 3.53 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.003 | Revisions Net=+1 | Analysts=4
EPS current Year (2026-12-31): EPS=1.88 | Chg30d=+0.032 | Revisions Net=+3 | Growth EPS=+23.4% | Growth Revenue=+18.4%
EPS next Year (2027-12-31): EPS=2.22 | Chg30d=+0.100 | Revisions Net=+0 | Growth EPS=+18.3% | Growth Revenue=+12.2%
P/S = 3.8839
P/B = 1.1817
Revenue TTM = 291.6m USD
EBIT TTM = 61.5m USD
EBITDA TTM = 64.7m USD
Long Term Debt = 192.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = 320.5m USD (from shortTermDebt, two quarters ago)
Debt = 513.1m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -123.5m USD (from netDebt column, last quarter)
Enterprise Value = 146.4m USD (533.3m + Debt 513.1m - CCE 900.0m)
Interest Coverage Ratio = 0.41 (Ebit TTM 61.5m / Interest Expense TTM 149.4m)
EV/FCF = 3.01x (Enterprise Value 146.4m / FCF TTM 48.7m)
FCF Yield = 33.26% (FCF TTM 48.7m / Enterprise Value 146.4m)
FCF Margin = 16.69% (FCF TTM 48.7m / Revenue TTM 291.6m)
Net Margin = 15.80% (Net Income TTM 46.1m / Revenue TTM 291.6m)
Gross Margin = 47.19% ((Revenue TTM 291.6m - Cost of Revenue TTM 154.0m) / Revenue TTM)
Gross Margin QoQ = 50.79% (prev 46.09%)
Tobins Q-Ratio = 0.03 (Enterprise Value 146.4m / Total Assets 5.41b)
Interest Expense / Debt = 7.33% (Interest Expense 37.6m / Debt 513.1m)
Taxrate = 22.24% (3.81m / 17.1m)
NOPAT = 47.8m (EBIT 61.5m * (1 - 22.24%))
Current Ratio = 0.19 (Total Current Assets 900.0m / Total Current Liabilities 4.62b)
Debt / Equity = 0.99 (Debt 513.1m / totalStockholderEquity, last quarter 517.1m)
Debt / EBITDA = -1.91 (Net Debt -123.5m / EBITDA 64.7m)
Debt / FCF = -2.54 (Net Debt -123.5m / FCF TTM 48.7m)
Total Stockholder Equity = 490.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 46.1m / Total Assets 5.41b)
RoE = 9.41% (Net Income TTM 46.1m / Total Stockholder Equity 490.0m)
RoCE = 9.01% (EBIT 61.5m / Capital Employed (Equity 490.0m + L.T.Debt 192.6m))
RoIC = 5.26% (NOPAT 47.8m / Invested Capital 908.7m)
WACC = 7.26% (E(533.3m)/V(1.05b) * Re(8.75%) + D(513.1m)/V(1.05b) * Rd(7.33%) * (1-Tc(0.22)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -1.74%
[DCF Debug] Terminal Value 78.81% ; FCFF base≈30.2m ; Y1≈26.1m ; Y5≈20.7m
Fair Price DCF = 20.19 (EV 436.8m - Net Debt -123.5m = Equity 560.4m / Shares 27.8m; r=7.26% [WACC]; 5y FCF grow -16.48% → 2.90% )
EPS Correlation: -27.30 | EPS CAGR: 3.27% | SUE: 2.13 | # QB: 1
Revenue Correlation: 95.24 | Revenue CAGR: 22.02% | SUE: 3.53 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.003 | Revisions Net=+1 | Analysts=4
EPS current Year (2026-12-31): EPS=1.88 | Chg30d=+0.032 | Revisions Net=+3 | Growth EPS=+23.4% | Growth Revenue=+18.4%
EPS next Year (2027-12-31): EPS=2.22 | Chg30d=+0.100 | Revisions Net=+0 | Growth EPS=+18.3% | Growth Revenue=+12.2%