Bridgewater Bancshares, Inc. (BWB) AI Stock Analysis

Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank, established in 2005 and headquartered in Saint Louis Park, Minnesota. The corporation serves commercial real estate investors, small business entrepreneurs, and high net worth individuals across the United States through seven full-service offices located throughout Minnesota. Its banking products include savings accounts, money market accounts, certificates of deposit, and various loan options across commercial, real estate, and consumer sectors. The company is also exploring cryptocurrency integration and blockchain technology within its financial offerings to enhance transaction efficiency and expand service accessibility.

Bridgewater Bancshares expanded its revenue from $134.2M in FY2021 to $291.6M in FY2025, reflecting a 5-year revenue CAGR of 19.3%. Annual revenue grew 26.2% in FY2022, 34.0% in FY2023, 10.8% in FY2024, and 16.0% in FY2025. Over the same period, net income moved from $45.7M in FY2021 to $53.4M in FY2022, $40.0M in FY2023, $32.8M in FY2024, and $46.1M in FY2025. Gross margin contracted from 81.7% in FY2021 to 47.2% in FY2025, while operating margin shifted from 45.9% to 21.1%. For the latest quarter ended June 30, 2026, quarterly revenue growth was 18.4% year-over-year, and quarterly earnings growth was 18.4% year-over-year.

As of June 30, 2026, Bridgewater Bancshares reported total assets of $5.39B and shareholders' equity of $547.9M. Cash and short-term investments stood at $775.2M against total debt of $434.9M, resulting in net cash of $340.3M and a debt-to-equity ratio of 0.79. The current ratio was 0.18. In FY2025, operating cash flow reached $27.8M and free cash flow was $22.0M. During FY2025, capital expenditures were $5.8M, share buybacks totaled $2.2M, and dividends paid amounted to $4.1M.

Bridgewater Bancshares trades at a trailing P/E of 11.2x and a forward P/E of 11.2x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. The stock has a price-to-sales ratio of 3.6x, above the peer group median of 3.2x, and a price-to-book ratio of 1.2x. Its PEG ratio is 0.73, and enterprise value is $889.2M. Over the past year, BWB returned 24.6%, exceeding the 16.8% return for the S&P 500. Over five years, BWB gained 15.5%, trailing the S&P 500 return of 83.0%.

Wall Street coverage consists of 3 Strong Buy ratings, 1 Buy rating, and zero Hold, Sell, or Strong Sell ratings. The mean price target is $24.00, representing 16.5% upside from the last close of $20.60 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $163.1M and EPS of $1.84, representing 20.9% EPS growth. BWB beat EPS estimates in 1 of the last 4 quarters. The next earnings date is October 20, 2026.

This page is an AI-written research summary of Bridgewater Bancshares, Inc. (BWB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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