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Bridgewater Bancshares Inc

BWB

$21.63 ▲ +0.38 (+1.79%) at close

11 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Bridgewater Bancshares Inc shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $595.8M

Dividend Yield —

Revenue Growth 30.8% ↗

Op. Margin 41.9% ↗

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$143.35M

↑ +30.8% —

Net Income Profit after all expenses

$46.09M

↑ +40.4% —

Operating Margin Operating profit as % of sales

41.9%

↑ +7.4% 95th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	30.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+414%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	-17.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-399%)	18.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+208%)	22.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+273%)	20.3% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+239%)	15.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+164%)	18.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+211%)	26.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+348%)	—	—
EPS Growth YoY (%)	45.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-27.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	67.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	34.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	16.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	40.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.9% Weak ↓ Weak Declining Year-over-year change in net income	-25.2% Weak ↓ Weak Declining Year-over-year change in net income	16.9% Good ↓ Good Declining Year-over-year change in net income	68.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.4% Weak ↓ Weak Declining Year-over-year change in net income	16.7% Good ↓ Good Declining Year-over-year change in net income	59.4% Excellent Excellent Year-over-year change in net income	27.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	20.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.5% Excellent → Excellent Stable Compound annual revenue growth over 3 years	18.3% Excellent Excellent Compound annual revenue growth over 3 years	20.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	19.1% Excellent Excellent Compound annual revenue growth over 5 years	20.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.2% Good Good Compound annual EPS growth over 3 years	21.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	41.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	39.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	47.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	52.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	53.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	38.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	—	—	—	—	—
Effective Tax Rate (%) (%)	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	32.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	30.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	35.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	39.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	39.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	29.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	40.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	40.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	29.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	29.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	12.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	12.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$5.20	$3.99	$4.01	$4.90	$4.10	$3.28	$2.66	$2.32	$2.30	$2.00	—
Basic EPS, GAAP (USD)	$1.53	$1.05	$1.29	$1.78	$1.59	$0.95	$1.07	$0.93	$0.69	$0.59	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$18.63	$16.62	$15.33	$14.20	$13.45	$9.43	$8.45	$7.34	$5.57	$5.17	—
Tangible Book Value per Share (USD)	$18.20	$16.19	$15.24	$14.10	$13.35	$9.34	$8.36	$7.26	$5.47	$5.17	—
Basic Weighted Avg Shares (shares)	27.54M	27.48M	27.86M	27.76M	28.03M	28.58M	29.36M	29.00M	24.60M	22.29M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$517.10M	$457.94M	$425.51M	$394.06M	$379.27M	$265.40M	$244.79M	$221.00M	$137.16M	$115.37M	$80.18M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$143.35M	$109.56M	$111.67M	$136.03M	$114.82M	$93.80M	$77.96M	$67.28M	$56.71M	$44.69M	—
Depreciation Expense (USD)	$2.47M	$2.37M	$2.51M	$2.56M	$2.37M	$1.21M	$1.01M	$761.00K	$694.00K	$586.00K	—
Net Income, GAAP (USD)	$46.09M	$32.83M	$39.96M	$53.39M	$45.69M	$27.19M	$31.40M	$26.92M	$16.89M	$13.21M	—
Operating Cash Flow (USD)	$27.81M	$46.38M	$30.02M	$85.00M	$54.24M	$23.02M	$39.53M	$29.41M	$24.90M	$14.93M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	2.4%	2.0%	2.3%	3.0%	3.1%	3.0%	3.3%	3.3%	3.4%	—	—
Efficiency Ratio (%) (%)	53.9%	57.8%	53.1%	41.6%	41.9%	48.4%	47.4%	46.9%	45.0%	45.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 11 years · 40 quarters

Bridgewater Bancshares Inc

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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