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BWB stock logo

BWB

Bridgewater Bancshares, Inc.

$19.58
0.16
 (0.82%)
Exchange:  NASDAQ
Market Cap:  545.956M
Shares Outstanding:  30.059M
Delayed data
Calculate BWB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Gerald John Baack
Full Time Employees:  292
Address: 
4450 Excelsior Boulevard
Saint Louis Park
MN
55416
US
Website:  https://www.bridgewaterbankmn.com
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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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/22 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue226,948251,445291,631
Gross Profit109,942104,215137,621
EBITDA55,66545,74164,703
Operating Income52,52242,73661,482
Net Income39,96032,82546,088

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,611,9905,066,2425,407,002
Total Liabilities4,186,4754,608,3074,889,907
Total Stockholders Equity425,515457,935517,095
Total Debt412,538452,920508,177
Cash and Cash Equivalents128,562234,137123,511

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Cash Flow Statement

Year202320242025
Operating Cash Flow30,01546,37627,812
Capital Expenditure-2,970-4,080-5,847
Free Cash Flow27,04542,29621,965
Net Income39,96032,82546,088
Net Change in Cash41,519101,198-106,249

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)158,662.039Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)165,651.556Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)161,318.056Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)49,809.632Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)52,003.889Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)50,643.450Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)457,018.155Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)483,323.075Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)467,013.973Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)32,465.116Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)33,895.297Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)33,008.585Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)16.300Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)16.870Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)15.950Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
251.445M  ?P/S
 (TTM)
: 
1.77
?Net Income
 (TTM)
: 
32.825M  ?P/E
 (TTM)
: 
9.94
?Enterprise Value
 (TTM)
: 
759.383M  ?EV/FCF
 (TTM)
: 
26
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0.08
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
224.74M  ?Debt/Equity
 (TTM)
: 
0.84
?P/B
 (TTM)
: 
1.01  ?Current Ratio
 (TTM)
: 
0.13

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.64Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BWB intrinsic value between $18.36 – $22.27 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BWB valuation

Is Bridgewater Bancshares, Inc. (BWB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Bridgewater Bancshares, Inc. (BWB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BWB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BWB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BWB’s P/E ratio?

You can see BWB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BWB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BWB a good long-term investment?

Whether BWB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BWB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.82
MARKETSnap

Trading Metrics:

Open: 19.42   Previous Close: 19.42
Day Low: 19.42   Day High: 19.83
Year Low: 14.79   Year High: 20.3
Price Avg 50: 18.51   Price Avg 200: 17.84
Volume: 130928   Average Volume: 69017

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See in Nexus

Relevant news

Bridgewater (BWB) Upgraded to Buy: Here's Why
27-04-2026 13:01
Bridgewater (BWB) Upgraded to Buy: Here's Why
Bridgewater (BWB) Lags Q1 Earnings Estimates
21-04-2026 19:18
Bridgewater (BWB) Lags Q1 Earnings Estimates
Bridgewater Bancshares, Inc. Announces First Quarter 2026 Financial Results
21-04-2026 16:15
Bridgewater Bancshares, Inc. Announces First Quarter 2026 Financial Results
Bridgewater Bancshares, Inc. to Announce First Quarter 2026 Financial Results and Host Earnings Conference Call
07-04-2026 16:15
Bridgewater Bancshares, Inc. to Announce First Quarter 2026 Financial Results and Host Earnings Conference Call
Bridgewater Bancshares, Inc. Announces Fourth Quarter 2025 Financial Results
27-01-2026 16:15
Bridgewater Bancshares, Inc. Announces Fourth Quarter 2025 Financial Results

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