Bridgewater Bancshares, Inc.
Bridgewater Bancshares, Inc. Fundamental Analysis
Bridgewater Bancshares, Inc. (BWB) shows moderate financial fundamentals with a PE ratio of 11.38, profit margin of 15.80%, and ROE of 9.41%. The company generates $0.3B in annual revenue with strong year-over-year growth of 15.98%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BWB's fundamental strength across five key dimensions:
Efficiency Score
WeakBWB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBWB trades at attractive valuation levels.
Growth Score
ExcellentBWB delivers strong and consistent growth momentum.
Financial Health Score
ModerateBWB shows balanced financial health with some risks.
Profitability Score
ModerateBWB maintains healthy but balanced margins.
Key Financial Metrics
Is BWB Expensive or Cheap?
P/E Ratio
BWB trades at 11.38 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BWB's PEG of 0.80 indicates potential undervaluation.
Price to Book
The market values Bridgewater Bancshares, Inc. at 1.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.29 times EBITDA. This is generally considered low.
How Well Does BWB Make Money?
Net Profit Margin
For every $100 in sales, Bridgewater Bancshares, Inc. keeps $15.80 as profit after all expenses.
Operating Margin
Core operations generate 21.08 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.41 in profit for every $100 of shareholder equity.
ROA
Bridgewater Bancshares, Inc. generates $0.85 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bridgewater Bancshares, Inc. generates limited operating cash flow of $28.27M, signaling weaker underlying cash strength.
Free Cash Flow
Bridgewater Bancshares, Inc. produces free cash flow of $22.32M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.80 in free cash annually.
FCF Yield
BWB converts 4.13% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.38
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.01
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.83
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.98
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.49
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BWB Stacks Against Its Sector Peers
| Metric | BWB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.38 | 19.21 | Better (Cheaper) |
| ROE | 9.41% | 817.00% | Weak |
| Net Margin | 15.80% | -464.00% (disorted) | Strong |
| Debt/Equity | 0.98 | 12.73 | Strong (Low Leverage) |
| Current Ratio | 0.49 | 659.50 | Weak Liquidity |
| ROA | 0.85% | -24814.00% (disorted) | Weak |
BWB outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bridgewater Bancshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
152.32%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
76.93%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
26.14%
Industry Style: Value, Dividend, Cyclical
High Growth