BWB
NASDAQ
US
Bridgewater Bancshares, Inc. - Common Stock
$18.03
▲ +$0.13
(+0.73%)
Vol 38K
11
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$483.6M
P/E
11.8
ROE
8.6%
Margin
37.5%
D/E
21.83
Beta
0.65
52W
$12–$19
Wall Street Consensus
8 analysts · Apr 20261
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
75.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.42 | $0.44 | +$0.02 |
| Sep 2025 | $0.40 | $0.39 | $-0.01 |
| Jun 2025 | $0.35 | $0.37 | +$0.02 |
| Mar 2025 | $0.29 | $0.31 | +$0.02 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $29.1M | $31.8M | $35.7M | $35.8M | $38.6M |
| Net Income | $8.2M | $9.6M | $11.5M | $11.6M | $13.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 8.2% | 8.2% | 8.2% | 8.2% | 8.6% | 8.6% |
| P/E (TTM) | 11.49 | 11.36 | 12.39 | 11.89 | 11.83 | 11.81 |
| Net Margin | — | 37.5% | 37.5% | 37.5% | 37.5% | 37.5% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 25.71 | 25.71 | 25.71 | 25.71 | 21.83 | 21.83 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
2.45
P/B
0.8
EPS (TTM)
$1.46
CF/Share
$1.54
Rev Growth 3Y
+16.4%
52W High
$19.11
52W Low
$11.93
$11.93
52-Week Range
$19.11
Financial Health
Free Cash Flow
$4.4M
Net Debt
$384.7M
Cash
$123.5M
Total Debt
$508.2M
As of Dec 31, 2025
How does BWB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
BWB valuation vs Banking peers
P/E ratio
11.8
▼
6%
below
peers
(12.6)
vs Peers
vs Industry
Fair value
P/S ratio
2.5
▲
6%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
0.8
▼
23%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
—
▼
0%
below
peers
(3.0%)
vs Peers
vs Industry
Strong yield
BWB profitability vs Banking peers
ROE
8.6%
▼
4%
below
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
37.5%
▲
31%
above
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼
17%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
BWB financial health vs Banking peers
D/E ratio
21.8
▲
58%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.7
▼
6%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
BWB fundamentals radar
BWB
Peer median
Industry
BWB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
BWB vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
TRUTNA THOMAS P
Director · Feb 10
13000 shs
SHELLBERG JEFFREY D
Director · Feb 06
9838 shs
JOHNSON JAMES S
Director · Feb 05
4712 shs
BAACK JERRY J
Chief Executive Officer · Feb 03
23739 shs
SALAZAR LISA M
Chief Operating Officer · Feb 03
10088 shs
CHYBOWSKI JOSEPH M
President · Feb 03
15570 shs
PLACE NICHOLAS L
Officer · Feb 03
15022 shs
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As of Dec 31, 2025
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