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BRIDGEWATER BANCSHARES INC

BWBNASDAQ
πŸ† #2344 by market capEarnings Oct 20US Equity
$21.71β–² $0.25 (+1.16%)
Market closed Β· at close
1hβ€”
24hβ–² 1.2%
7dβ–² 3.0%
14dβ–² 4.4%
30dβ–² 0.9%
1yβ–² 33.6%
🏦Market Cap
$605M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+43.1%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
14.7%
Healthy
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
45
Weak

Trading Snapshot

Day Range
$21.52 – $21.89
52-Week Range
$15.35 – $22.59
Volume
$2.90B
Avg Volume
$2.86B
Shares Outstanding
27.9M
Next Earnings
Sep 13, 2026

Fundamentals Snapshot

Annual Revenue
$292M
Last Q Revenue
$24M
P/E Ratio
10.6
P/S Ratio
2.5x
EPS (TTM)
$1.98
Dividend Yield
0.68%

Why Investors Own BWB

  • βœ“High-growth profile β€” revenue up +54.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 60% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$292Mβ–² +60.1% YoY
Gross Margin (TTM)
59.5%β–² +3.8% YoY
Operating Income (TTM)
$87Mβ–² +60.1% YoY
Free Cash Flow (TTM)
$16Mβ–² +60.1% YoY

About BRIDGEWATER BANCSHARES INC

Bridgewater Bancshares, Inc. functions as the holding company for Bridgewater Bank, which delivers a comprehensive array of banking products and services. Its core clientele includes commercial real estate investors, small business entrepreneurs, and high-net-worth individuals primarily located across the United States. The institution offers a diverse range of deposit accounts, such as savings accounts, money market accounts, demand deposits, and both time and brokered deposits. It also provides interest-bearing and non-interest-bearing transaction accounts, in addition to certificates of deposit (CDs). On the lending side, Bridgewater Bank extends commercial loans to various business structures, including sole proprietorships, partnerships, and corporations. These funds are designed to finance working capital needs like accounts receivable or inventory, support capital asset acquisition, or cover other business-related expenditures. The bank's specialized loan offerings further encompass Paycheck Protection Program (PPP) loans, construction and land development financing, mortgages for 1-4 family residences, multifamily property lending, and both owner-occupied and non-owner-occupied commercial real estate loans. Consumer and other miscellaneous loan products are also available. Customers can conveniently access banking services through online and mobile platforms, as well as direct banking channels. Established in 2005, the company's headquarters are situated in Saint Louis Park, Minnesota. It operates a network of seven full-service branches throughout Minnesota, specifically in Bloomington, Greenwood, Minneapolis, Orono, St. Louis Park, and St. Paul.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
45/100

Analyst Price Target

β“˜
Average Target
$20.98
β–Ό βˆ’3.4% Downside
High Target$24.85
Low Target$18.60
Based on 33 analysts

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