GICS Sector : Financial Services
Bridgewater Bancshares, Inc.operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, small business entrepreneurs, and high net worth individuals in the United States.The company offers savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit.
Bridgewater Bancshares reported a net interest income growth driven by 11.5% annualized core deposit growth and 6.6% annualized loan growth, resulting in a net interest margin of 2.63%. The earnings per share (EPS) came in at $0.39, slightly below estimates of $0.41. Revenue growth is expected to continue, with analysts estimating a 16.2% increase for the next year. The bank's financial performance is on track, with a return on equity (ROE) of 8.62% and a return on invested capital (ROIC) of 0.78%.
Publication Date: Oct -28
The bank's Price-to-Tangible Book Value is not directly available, but the Price-to-Book Ratio stands at 0.95, indicating that the stock is trading slightly below book value. This could be an attractive entry point for investors, especially considering the bank's growth prospects. The Dividend Yield is 0.0%, as the bank does not currently pay a dividend.
The bank is confident in its ability to grow, with a goal of reaching a $10 billion bank by 2030. The leadership team is well-positioned to achieve this goal, with recent appointments and promotions, including Katie Morell as Chief Credit Officer. As Jerry Baack mentioned, "We're really excited about our ability to take market share in the Twin Cities market and believe the fourth quarter in 2026 will certainly be a good year for us." The bank is poised to benefit from M&A disruption in the Twin Cities, with opportunities for loan and deposit growth.
Asset quality remains strong, with non-performing assets at low levels and net charge-offs at 0.03% of loans. The bank's exposure to multifamily and office real estate is limited, with non-owner-occupied CRE office exposure at 5% of total loans. The conservative reserve level and low nonperforming assets provide a solid foundation for future growth.
The bank expects mid to high single-digit loan growth, stable capital levels, and potential for meaningful net interest margin expansion over the next several quarters. With a strong brand and growing relationships, the bank is well-positioned to achieve its goals and create value for shareholders. As the bank continues to grow and expand its operations, investors can expect a steady improvement in financial performance.
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Dec -02
Bridgewater Bank Welcomes Jeff Bajek as SVP, Senior Credit Officer
Nov -24
AE Wealth Management LLC Sells 3,107 Shares of Bridgewater Bancshares, Inc. $BWB
Nov -17
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Nov -05
Bridgewater Bancshares, Inc. (BWB) Q3 2025 Earnings Call Transcript
Oct -22
Bridgewater (BWB) Q3 Earnings and Revenues Miss Estimates
Oct -21
Bridgewater Bancshares, Inc. Announces Third Quarter 2025 Financial Results
Oct -21
Can Bridgewater (BWB) Keep the Earnings Surprise Streak Alive?
Oct -09
Bridgewater Bancshares, Inc.'s 7.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth.
Bridgewater Bancshares, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.
The company offers a variety of residential mortgage products, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.
Bridgewater Bancshares, Inc. provides a range of consumer banking services, including checking and savings accounts, credit cards, and personal loans, to meet the financial needs of individuals.
The company offers treasury management services, including cash management, wire transfers, and account reconciliation, to help businesses manage their cash flow and optimize their financial operations.
Bridgewater Bancshares, Inc. offers wealth management services, including investment management, financial planning, and retirement planning, to help individuals and families achieve their long-term financial goals.
Bridgewater Bancshares, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and specialization of banking services.
Customers have some bargaining power due to the availability of alternative banking services, but Bridgewater Bancshares, Inc.'s strong brand and customer relationships mitigate this power.
Suppliers of banking services have limited bargaining power due to the industry's competitive nature and the availability of alternative suppliers.
The threat of new entrants is high due to the relatively low barriers to entry in the banking industry, and the potential for fintech companies to disrupt traditional banking services.
The banking industry is highly competitive, with many established players and new entrants vying for market share, leading to a high intensity of rivalry.
| Value | |
|---|---|
| Debt Weight | 49.26% |
| Debt Cost | 4.00% |
| Equity Weight | 50.74% |
| Equity Cost | 7.24% |
| WACC | 5.64% |
| Leverage | 97.09% |
Value: 6.3
Growth: 4.6
Quality: 4.1
Yield: 9.0
Momentum: 6.0
Volatility: 8.7
1-Year Total Return ->
Value: 8.2
Growth: 6.0
Quality: 7.5
Yield: 7.0
Momentum: 3.0
Volatility: 5.7
1-Year Total Return ->
Value: 6.5
Growth: 4.4
Quality: 6.0
Yield: 6.0
Momentum: 6.5
Volatility: 7.7
1-Year Total Return ->
Value: 5.6
Growth: 5.9
Quality: 8.0
Yield: 1.0
Momentum: 8.5
Volatility: 8.0
1-Year Total Return ->
Value: 5.5
Growth: 6.3
Quality: 5.6
Yield: 0.0
Momentum: 9.0
Volatility: 8.0
1-Year Total Return ->
Value: 6.9
Growth: 6.4
Quality: 5.1
Yield: 0.0
Momentum: 7.5
Volatility: 6.7
1-Year Total Return ->