BWBBP

Bridgewater Bancshares, Inc.

Financial Services · USD

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19.25 USD +0.29 +1.53%
As of Oct 30, 2026 Extended hours 19.91 +3.43%
Bid
19.25 × 1
Ask
19.55 × 1
19.25 Day range 19.25
18.83 52-week range 20.77
YTD
+1.69%
1 year
-7.32%
Open
19.25
Prev close
18.96
Mkt cap
569.41M
Vol
1.05K
Avg vol
1.91K
EPS
1.56
P/E
12.34
Div yield
7.87%
More statistics
Low
19.25
High
19.25
Forward P/E
0.00
Beta
0.67
Short ratio
0.07
Inst. own
0.00%
Dividend
1.47
Ex-div date
Nov 14, 2024
50-d avg
19.61
200-d avg
18.80
1y target
0.00

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BWBBP five-day price chart18.919.019.119.219.3Oct 26Oct 27Oct 30

Financial health

Altman Z-Score

0.45 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 11.5×
FY 2016: 28.7×FY 2017: 21.8×FY 2018: 11.3×FY 2019: 12.9×FY 2020: 13.1×FY 2021: 11.1×FY 2022: 10.0×FY 2023: 10.5×FY 2024: 12.9×FY 2025: 11.5×
FY 2016 5y median 11.1× FY 2025
P/S 1.6×
FY 2016: 7.1×FY 2017: 5.3×FY 2018: 3.5×FY 2019: 3.8×FY 2020: 3.0×FY 2021: 3.7×FY 2022: 2.9×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 1.6×
FY 2016 5y median 1.7× FY 2025
P/B 0.9×
FY 2016: 3.3×FY 2017: 2.7×FY 2018: 1.4×FY 2019: 1.7×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 21.8×
FY 2016: 29.8×FY 2017: 15.5×FY 2018: 11.9×FY 2019: 16.9×FY 2020: -214×FY 2021: 9.3×FY 2022: 5.9×FY 2023: 13.9×FY 2024: 8.8×FY 2025: 21.8×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA 13.2×
FY 2016: 21.6×FY 2017: 16.9×FY 2018: 13.8×FY 2019: 13.8×FY 2020: 9.1×FY 2021: 7.6×FY 2022: 11.8×FY 2023: 11.9×FY 2024: 12.9×FY 2025: 13.2×
FY 2016 5y median 11.9× FY 2025
EV/Sales 3.0×
FY 2016: 8.9×FY 2017: 6.9×FY 2018: 5.2×FY 2019: 5.1×FY 2020: 2.8×FY 2021: 3.6×FY 2022: 5.2×FY 2023: 2.9×FY 2024: 2.3×FY 2025: 3.0×
FY 2016 5y median 3.0× FY 2025
FCF Yield 4.6%
FY 2016: 3.4%FY 2017: 6.5%FY 2018: 8.4%FY 2019: 5.9%FY 2020: -0.5%FY 2021: 10.8%FY 2022: 16.9%FY 2023: 7.2%FY 2024: 11.4%FY 2025: 4.6%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 47.2%
FY 2016: 77.9%FY 2017: 76.3%FY 2018: 72.6%FY 2019: 69.9%FY 2020: 67.2%FY 2021: 81.7%FY 2022: 75.4%FY 2023: 48.4%FY 2024: 41.4%FY 2025: 47.2%
FY 2016 5y median 48.4% FY 2025
Operating Margin 21.1%
FY 2016: 40.0%FY 2017: 39.3%FY 2018: 36.6%FY 2019: 35.6%FY 2020: 29.6%FY 2021: 45.9%FY 2022: 42.3%FY 2023: 23.1%FY 2024: 17.0%FY 2025: 21.1%
FY 2016 5y median 23.1% FY 2025
Net Margin 15.8%
FY 2016: 24.8%FY 2017: 24.5%FY 2018: 30.7%FY 2019: 29.2%FY 2020: 22.5%FY 2021: 34.0%FY 2022: 31.5%FY 2023: 17.6%FY 2024: 13.1%FY 2025: 15.8%
FY 2016 5y median 17.6% FY 2025
ROE 8.9%
FY 2016: 11.5%FY 2017: 12.3%FY 2018: 12.2%FY 2019: 12.8%FY 2020: 10.2%FY 2021: 12.0%FY 2022: 13.5%FY 2023: 9.4%FY 2024: 7.2%FY 2025: 8.9%
FY 2016 5y median 9.4% FY 2025
ROIC 4.4%
FY 2016: 5.6%FY 2017: 6.1%FY 2018: 6.5%FY 2019: 7.1%FY 2020: 6.4%FY 2021: 8.6%FY 2022: 5.8%FY 2023: 4.5%FY 2024: 3.4%FY 2025: 4.4%
FY 2016 5y median 4.5% FY 2025
ROA 0.9%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 16.0%
FY 2016: 0.0%FY 2017: 29.5%FY 2018: 27.4%FY 2019: 22.6%FY 2020: 12.1%FY 2021: 11.2%FY 2022: 26.2%FY 2023: 34.0%FY 2024: 10.8%FY 2025: 16.0%
FY 2016 FY 2025
Operating Income 43.9%
FY 2016: 0.0%FY 2017: 27.1%FY 2018: 18.9%FY 2019: 19.2%FY 2020: -6.9%FY 2021: 72.6%FY 2022: 16.5%FY 2023: -26.8%FY 2024: -18.6%FY 2025: 43.9%
FY 2016 FY 2025
EPS (diluted) 45.6%
FY 2016: 0.0%FY 2017: 31.8%FY 2018: 56.9%FY 2019: 15.4%FY 2020: -11.4%FY 2021: 65.6%FY 2022: 11.7%FY 2023: -26.2%FY 2024: -18.9%FY 2025: 45.6%
FY 2016 FY 2025
Free Cash Flow -48.1%
FY 2016: 0.0%FY 2017: 85.8%FY 2018: 8.5%FY 2019: -6.7%FY 2020: -107.0%FY 2021: 3303.1%FY 2022: 55.9%FY 2023: -67.6%FY 2024: 56.4%FY 2025: -48.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.0×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 5.9×
FY 2016: 4.3×FY 2017: 3.8×FY 2018: 4.5×FY 2019: 3.5×FY 2020: -0.6×FY 2021: -0.2×FY 2022: 5.2×FY 2023: 5.1×FY 2024: 4.8×FY 2025: 5.9×
FY 2016 5y median 5.1× FY 2025
Interest Coverage 0.4×
FY 2016: 2.5×FY 2017: 2.2×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 3.2×FY 2022: 2.1×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.2%FY 2022: 0.8%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025
Payout Ratio 8.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 2.6%FY 2022: 7.6%FY 2023: 10.1%FY 2024: 12.4%FY 2025: 8.8%
FY 2016 5y median 8.8% FY 2025

Annual · latest fiscal year ends 2025-12-31