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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Bridgewater Bancshares Inc. (NASDAQ: BWB) is a publicly listed bank holding company with limited readily available public disclosures. As a regional/community banking franchise it may benefit from local deposit relationships, loan growth, and net interest margin improvements, which could support long-term earnings if regulatory and market conditions permit.
Key risks include sensitivity to interest rates and credit cycles, concentration in local markets or borrower sectors, regulatory and compliance cost pressures, and lower liquidity typical of smaller regional banks.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 60.03M | 42.74M | 52.52M | 71.71M | 61.57M |
| Net income | 46.09M | 32.83M | 39.96M | 53.39M | 45.69M |
| Selling general administrative | 49.37M | 42.52M | 40.23M | 38.31M | 35.58M |
| Selling and marketing expenses | 2.14M | 1.49M | 1.13M | 2.03M | 1.49M |
| Gross profit | 137.62M | 104.22M | 109.94M | 136.03M | 114.82M |
| Reconciled depreciation | 3.95M | 3.00M | 3.59M | 0.19M | 0.19M |
| Ebit | 61.48M | 42.74M | 52.52M | 108.77M | 61.57M |
| Ebitda | 64.70M | 45.74M | 55.66M | 108.96M | 61.76M |
| Depreciation and amortization | 3.22M | 3.00M | 3.14M | 0.19M | 0.19M |
| Operating income | 61.48M | 42.74M | 52.52M | 108.77M | 61.57M |
| Other operating expenses | 230.15M | 208.71M | 174.43M | -27.26M | -53.24M |
| Interest expense | 149.41M | 143.71M | 117.18M | 34.00M | 19.37M |
| Tax provision | 13.94M | 9.91M | 14.05M | 18.32M | 15.89M |
| Interest income | 281.85M | 245.90M | 212.66M | 163.69M | 128.88M |
| Net interest income | 132.44M | 102.19M | 112.75M | 129.70M | 109.51M |
| Income tax expense | 13.94M | 9.91M | 12.56M | 18.32M | 15.89M |
| Total revenue | 291.63M | 251.44M | 226.95M | 136.03M | 114.82M |
| Total operating expenses | 76.14M | 61.48M | 57.42M | -27.26M | -53.24M |
| Cost of revenue | 154.01M | 147.23M | 117.01M | - | - |
| Total other income expense net | -1.45M | 232.18M | -9.66M | -37.06M | -19.37M |
| Net income from continuing ops | 46.09M | 32.83M | 44.82M | 53.39M | 45.69M |
| Net income applicable to common shares | - | - | - | 49.34M | 44.52M |
| Preferred stock and other adjustments | - | - | - | 4.05M | 1.17M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5407.00M | 5066.24M | 4611.99M | 4345.66M | 3477.66M |
| Intangible assets | 6.93M | 7.85M | 0.19M | 0.29M | 0.48M |
| Other current assets | -18.93M | - | 145.26M | -14.66M | 2391.90M |
| Total liab | 4889.91M | 4608.31M | 4186.48M | 3951.60M | 3098.39M |
| Total stockholder equity | 517.10M | 457.94M | 425.51M | 394.06M | 379.27M |
| Other current liab | 1816.81M | 4086.77M | 1793.04M | -13.75M | -1.41M |
| Common stock | 0.28M | 0.28M | 0.28M | 0.28M | 0.28M |
| Capital stock | 66.79M | 66.79M | 66.79M | 66.79M | 66.80M |
| Retained earnings | 351.45M | 309.42M | 280.65M | 248.69M | 199.35M |
| Other liab | - | - | - | 43.53M | 16.00M |
| Good will | 11.98M | 11.98M | 2.63M | 2.63M | 2.63M |
| Other assets | 4436.56M | 3998.87M | - | 3637.61M | 2391.90M |
| Cash | 123.51M | 234.14M | 128.56M | 88.22M | 145.35M |
| Total current liabilities | 1820.04M | 4090.78M | 2026.62M | 2.83M | 1.41M |
| Current deferred revenue | - | - | -5.28M | - | - |
| Net debt | 384.67M | 218.78M | 285.95M | 101.43M | -10.61M |
| Short term debt | - | 13.75M | 233.59M | 13.75M | - |
| Short long term debt total | 508.18M | 452.92M | 414.51M | 189.66M | 134.74M |
| Other stockholder equity | 98.29M | 95.09M | 96.32M | 96.53M | 104.12M |
| Property plant equipment | - | - | - | 48.45M | 49.40M |
| Total current assets | 899.95M | 681.83M | 145.26M | 108.08M | 593.90M |
| Long term investments | 776.44M | 768.25M | 604.10M | 548.61M | 439.36M |
| Net tangible assets | - | - | - | 324.64M | 309.65M |
| Short term investments | 776.44M | 385.69M | 604.10M | 548.61M | 439.36M |
| Net receivables | 18.93M | 62.00M | 16.70M | 13.48M | 9.19M |
| Long term debt | 508.18M | 452.92M | 412.54M | 189.66M | 134.74M |
| Inventory | - | - | 111.86M | - | - |
| Accounts payable | 3.23M | 4.01M | 5.28M | 2.83M | 1.41M |
| Accumulated other comprehensive income | 0.56M | -13.36M | -18.25M | -17.94M | 9.01M |
| Common stock total equity | - | - | - | 0.28M | 0.28M |
| Preferred stock total equity | - | - | - | 66.51M | 66.51M |
| Retained earnings total equity | - | - | - | 248.69M | 199.35M |
| Non currrent assets other | -4650.94M | 167.35M | 4326.16M | -599.97M | -491.86M |
| Non current assets total | 70.49M | 4384.41M | 4466.73M | 599.97M | 491.86M |
| Long term debt total | - | - | - | 92.66M | 92.24M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 24.73M | -95.24M | -372.09M | -929.20M | -545.65M |
| Change to liabilities | - | - | - | 30.58M | 3.95M |
| Total cashflows from investing activities | -417.47M | -95.24M | -209.18M | -938.24M | -571.42M |
| Net borrowings | 54.85M | 40.00M | 222.50M | 341.50M | -7.94M |
| Total cash from financing activities | 283.40M | 150.06M | 220.69M | 796.81M | 499.99M |
| Change to operating activities | - | - | - | 30.58M | 3.95M |
| Net income | 46.09M | 32.83M | 39.96M | 53.39M | 45.69M |
| Change in cash | -106.25M | 101.20M | 41.52M | -56.43M | -17.20M |
| Begin period cash flow | 229.76M | 128.56M | 87.04M | 143.47M | 160.68M |
| End period cash flow | 123.51M | 229.76M | 128.56M | 87.04M | 143.47M |
| Total cash from operating activities | 27.81M | 46.38M | 30.02M | 85.00M | 54.24M |
| Issuance of capital stock | - | - | 0.00M | 0.00M | 66.51M |
| Depreciation | 3.95M | 3.00M | 3.14M | 3.25M | 2.56M |
| Other cashflows from investing activities | -436.28M | -30.48M | -154.07M | -7.41M | -25.00M |
| Dividends paid | 4.05M | 4.05M | 4.05M | -4.05M | -1.17M |
| Change to inventory | - | - | -3.90M | - | - |
| Change to account receivables | -13.95M | 2.36M | -20.90M | -14.08M | -4.06M |
| Sale purchase of stock | -2.19M | -5.90M | -5.13M | -11.51M | -2.74M |
| Other cashflows from financing activities | 232.86M | 120.01M | 7.37M | 929.63M | 541.15M |
| Change to netincome | - | - | - | 9.66M | 3.05M |
| Capital expenditures | 5.85M | 4.08M | 2.97M | 1.63M | 0.78M |
| Cash flows other operating | - | - | - | -13.66M | -4.81M |
| Cash and cash equivalents changes | - | - | - | -56.43M | -17.20M |
| Change in working capital | -23.24M | 5.84M | -17.00M | 16.50M | -0.12M |
| Stock based compensation | 4.20M | 3.90M | 3.95M | 3.34M | 2.43M |
| Other non cash items | 4.96M | 0.78M | -0.72M | 9.92M | 8.20M |
| Free cash flow | 21.96M | 42.30M | 27.05M | 83.37M | 53.46M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BWB Bridgewater Bancshares Inc |
-0.09 0.44% |
20.53 | 12.48 | 11.25 | 3.77 | 1.18 | 7.79 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.55 1.14% |
222.00 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
4450 Excelsior Boulevard, Saint Louis Park, MN, United States, 55416
952 893 6868
322
| Name | Title | Year Born |
|---|---|---|
| Mr. Gerald John Baack | Founder, Non Independent Exec. Chairman, CEO & Pres | 1968 |
| Mr. Jeffrey D. Shellberg | Co-Founder, Exec. VP, Chief Credit Officer, Sec. & Non Independent Exec. Director | 1963 |
| Ms. Mary Jayne Crocker | Exec. VP & COO | 1962 |
| Mr. Joseph M. Chybowski | Chief Financial Officer | 1988 |
| Mr. Mark E. Hokanson | Chief Technology Officer | 1976 |
| Mr. Ben M. Klocke | Gen. Counsel | NA |
| Mr. Daniel D. Poppe | Sr. VP & Sr. Loan Officer | 1948 |
| Ms. Lisa M. Salazar | Chief Deposit Officer | 1973 |
| Mr. Tony Ferraro | Managing Director of Commercial Lending | NA |
| Mr. Erik Schwegler | Sr. VP of Commercial Real Estate | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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