Bridgewater Bancshares (BWB) AI Stock Analysis

• Market Cap: $343.02M
• Dividend Yield: N/A
• Average Volume (3M): 46.55K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.15
• Revenue Growth: 10.11%
• EPS Growth: -18.78%
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 1.03
• Shares Outstanding: 27,596,315
• 10 Day Avg. Volume: 57,633
• 30 Day Avg. Volume: 46,554
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.59
• Price to Cash Flow (P/CF): 2.80
• P/FCF Ratio: 1.50
• 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: $17.00
• Price Target Upside: 35.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Bridgewater Bancshares presents a mixed investment opportunity. Strengths include robust liquidity, effective debt management, and positive earnings call insights, such as strong deposit and loan growth. However, challenges remain in revenue consistency and operational efficiency, alongside technical indicators showing limited momentum. The stock’s valuation is reasonable, but the lack of dividend yield could deter some investors.

Bridgewater Bancshares Business Overview & Revenue Model

Company Description

Bridgewater Bancshares, Inc. is a financial holding company that operates through its primary subsidiary, Bridgewater Bank. Based in Minnesota, the company is engaged in providing a full array of banking products and services to commercial real estate investors, small business entrepreneurs, and high-net-worth individuals. The bank offers loan products, deposit services, and other financial solutions to serve its clients' diverse banking needs.

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 shows a stable financial position with strong liquidity and equity health. While the income statement reflects challenges in revenue growth and operational efficiency, the balance sheet and cash flow indicate a well-managed company with effective debt management and strong cash generation capabilities.

Income Statement

Bridgewater Bancshares has shown a mixed performance in its income statement. The gross profit margin is stable, but there was a noticeable decline in total revenue from 2022 to 2023, indicating a potential challenge in revenue generation. Net profit margin remained healthy, driven by cost controls. However, the absence of EBIT and EBITDA in the latest year signals operational challenges or changes in accounting. Revenue growth has been inconsistent, which could be a concern for future profitability.

Balance Sheet

The balance sheet of Bridgewater Bancshares is quite robust. The company has a solid equity base, with an improving equity ratio, indicating strong shareholder backing. The debt-to-equity ratio has improved significantly in the latest period, suggesting effective debt management. Return on equity remains healthy, showcasing the company's ability to generate profits from its equity base. The high level of cash and cash equivalents indicates good liquidity, which is vital for banking operations.

Cash Flow

Cash flow analysis reveals a strong operating cash flow, which exceeds net income, reflecting efficient cash generation from operations. Free cash flow has also been positive and growing, indicating solid cash management. However, the volatility in investing and financing cash flows suggests that the company might be undergoing significant capital expenditures or strategic investments, which could impact future cash reserves.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
980.00	111.84M	136.03M	114.82M	93.80M
	Gross Profit
980.00	111.84M	136.03M	114.82M	93.80M
	EBIT
-189.45M	62.18M	108.77M	61.57M	35.67M
	EBITDA
0.00	55.66M	74.96M	64.13M	37.06M
	Net Income Common Stockholders
32.83M	39.96M	53.39M	45.69M	27.19M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
998.01M	128.56M	94.60M	584.71M	554.16M
	Total Assets
5.07B	4.61B	4.35B	3.48B	2.93B
	Total Debt
13.75M	412.54M	189.66M	134.74M	142.24M
	Net Debt
-216.01M	283.98M	101.43M	-10.61M	-21.30M
	Total Liabilities
4.61B	4.19B	3.95B	3.10B	2.66B
	Stockholders Equity
457.94M	425.51M	394.06M	379.27M	265.40M
Cash Flow		Free Cash Flow
46.38M	27.05M	83.37M	53.46M	-1.67M
	Operating Cash Flow
46.38M	30.02M	85.00M	54.24M	23.02M
	Investing Cash Flow
-95.24M	-209.18M	-938.24M	-571.42M	-530.33M
	Financing Cash Flow
150.06M	220.69M	796.81M	499.99M	636.05M

Bridgewater Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 12.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BWB, the sentiment is Negative. The current price of 12.58 is below the 20-day moving average (MA) of 13.44, below the 50-day MA of 13.95, and below the 200-day MA of 13.93, indicating a bearish trend. The MACD of -0.39 indicates Positive momentum. The RSI at 37.53 is Neutral, neither overbought nor oversold. The STOCH value of 28.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BWB.

Bridgewater Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USCB	80 Outperform	$336.09M	13.47	12.11%	1.49%	32.79%	48.96%
HBCP	75 Outperform	$333.75M	9.14	9.54%	2.48%	11.26%	-8.61%
BSVN	73 Outperform	$326.44M	7.33	22.26%	2.69%	1.20%	46.86%
BWB	68 Neutral	$343.02M	12.07	7.43%	―	10.11%	-18.78%
BSRR	66 Neutral	$336.47M	8.64	11.67%	3.94%	5.69%	19.91%
Sector *	63 Neutral	$13.51B	9.48	9.36%	4.87%	16.09%	-8.30%
RRBI	61 Neutral	$326.95M	9.75	10.98%	0.81%	12.88%	2.03%

Bridgewater Bancshares Corporate Events

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.

Bridgewater Bancshares Reports Earnings and Bank Acquisition

In its 2024 fourth quarter earnings release on January 29, 2025, Bridgewater Bancshares announced a quarterly cash dividend on its Series A Preferred Stock and reported a net income of $8.2 million. The company completed the acquisition of First Minnetonka City Bank and saw significant growth in core deposits and gross loans, positioning itself for continued growth in 2025.