Is Bridgewater Bancshares, Inc. (BWB) Overvalued?
We dive into why Bridgewater Bancshares, Inc. (BWB) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
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COMPANY SUMMARY
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company provides commercial loans, including loans secured by nonfarm, nonresidential properties, multifamily residential properties, and nonowner occupied single family residential properties; construction, land development, and commercial and industrial loans; commercial real estate loans, such as owner and nonowner occupied properties; single family residential construction, land development, finished lots and raw land, and commercial and multifamily construction loans, as well as paycheck protection program loans. It offers deposit products, including savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction accounts, as well as certificates of deposit. In addition, the company offers online, mobile, and direct banking services. The company was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
Commentary & Analysis
Why Bridgewater Bancshares, Inc.’s (BWB) Stock Is Down 5.90%
As of Wednesday, July 22, Bridgewater Bancshares, Inc.’s BWB share price has dipped by 5.90%, which has investors questioning if this is right time to buy.Michael Rose
What You Need to Know About Bridgewater Bancshares, Inc.'s Q3 Earnings
Bridgewater Bancshares, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 21. Let's dive in to see if (BWB) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Bridgewater Bancshares, Inc.'s Q2 Earnings
Bridgewater Bancshares, Inc.'s fiscal Q2 earnings report was released on Tuesday, April 21. Let's dive in to see if (BWB) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Bridgewater Bancshares, Inc.'s Q1 Earnings
Bridgewater Bancshares, Inc.'s fiscal Q1 earnings report was released on Tuesday, January 27. Let's dive in to see if (BWB) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | BWB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $603.1 | $745.4 | 39% |
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| Shares Out (Mil) | 28.6 | 15.3 | 36% |
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| Institutional Ownership | 77.0% | 83.2% | 46% |
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| Float (Mil) | 22.5 | 21.8 | 31% |
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| Beta | 0.57 | 0.42 | 33% |
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| Avg Daily Volume (000s) | 183 | 45 | 42% |
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| Price Change (52-week) |
36.0% | 94.6% | 72% |
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| Growth | BWB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.3% | 7.7% | 63% |
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| Net Income (5yr) | 11.1% | 11.1% | 57% |
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| EPS (5yr) | 9.9% | 10.1% | 46 |
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| Dividends (5yr) | 0.0% | 3.6% | 0% |
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| Cash Flow (5yr) | (23.4%) | (17.1%) | 28% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 4 | 4 | |
| Current EPS | $0.473 | $1.840 | $2.120 | |
| Month Ago EPS | $0.450 | $1.800 | $2.165 | |
| # Rev Up | 1 | 1 | 3 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.480 | $1.853 | $2.178 | |
| Year/Year Chg | 5.1% | 23.5% | na | |
| Financials | BWB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $158 | $196 | 30% |
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| Net Income (TTM) (Mil) | $56 | $55 | 56% |
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| EPS (TTM) | $1.888 | $2.600 | 70% |
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| Operating Cash Flow (TTM) (Mil) | $43 | $35 | 45% |
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| Net Cash Flow (TTM) (Mil) | ($48) | $2 | 20% |
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| Long-Term Debt (Q1) (Mil) | $144 | $100 | 47% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | BWB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.25 | 1.25 | 30% |
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| P/E | 11.8 | 12.4 | 24% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | 1.2 | 1.1 | 51% |
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| Ratios | BWB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.7% | 29.1% | 93% |
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| ROA | 1.1% | 1.1% | 48% |
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| ROE | 12.6% | 11.3% | 65% |
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| Liabilities to Assets | 89.8% | 89.7% | 85% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
