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Upturn AI SWOT - About
BWB 
Bridgewater Bancshares Inc (BWB)
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Upturn Advisory Summary
06/30/2025: BWB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $17.67
1 Year Target Price $17.67
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.6% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 441.78M USD | Price to earnings Ratio 14.64 | 1Y Target Price 17.67 |
Price to earnings Ratio 14.64 | 1Y Target Price 17.67 | ||
Volume (30-day avg) 3 | Beta 0.53 | 52 Weeks Range 11.13 - 17.66 | Updated Date 06/29/2025 |
52 Weeks Range 11.13 - 17.66 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.1 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.09% | Operating Margin (TTM) 43.3% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 7.67% |
Valuation
Trailing PE 14.64 | Forward PE - | Enterprise Value 756500160 | Price to Sales(TTM) 3.97 |
Enterprise Value 756500160 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 8.35 | Enterprise Value to EBITDA - | Shares Outstanding 27439900 | Shares Floating 21775244 |
Shares Outstanding 27439900 | Shares Floating 21775244 | ||
Percent Insiders 20.67 | Percent Institutions 59.39 |
Analyst Ratings
Rating 2 | Target Price 17.67 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bridgewater Bancshares Inc
Company Overview
History and Background
Bridgewater Bancshares, Inc. was founded in 2005 as Bridgewater Bank. It has grown organically and through acquisitions, focusing on providing financial services to commercial and retail clients in the Minneapolis-St. Paul metropolitan area.
Core Business Areas
- Commercial Banking: Offers lending solutions, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides personal checking and savings accounts, mortgages, and other consumer financial products.
- Wealth Management: Provides wealth management services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank, with departments focused on lending, retail banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not readily available for Bridgewater Bank specifically, but regional banks compete with larger national banks and credit unions in this market. Competitors include US Bank, Wells Fargo, and local credit unions.
- Small Business Loans: Offers loans to small businesses. Market share data is not readily available. Competitors include local and national banks.
- Residential Mortgages: Provides mortgage products to individuals. Competitors include national mortgage lenders and other local and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. The regional banking sector is also experiencing consolidation.
Positioning
Bridgewater Bancshares Inc is positioned as a community-focused bank serving the Minneapolis-St. Paul metropolitan area. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Minneapolis-St. Paul metropolitan area is estimated to be in the billions of dollars. Bridgewater Bank is positioned to capture a share of this market through its focus on commercial and retail banking.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Strong customer relationships
- Healthy Loan Portfolio
Weaknesses
- Limited geographic diversification
- Smaller balance sheet compared to larger competitors
- Reliance on local economy
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking services
- Potential acquisitions of smaller banks
Threats
- Economic downturn in the region
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Increased regulatory burdens
Competitors and Market Share
Key Competitors
- USB
- WFC
- TCBI
Competitive Landscape
Bridgewater Bancshares Inc competes with larger national banks and smaller community banks. Its advantages include local expertise and customer relationships. Disadvantages are scale and resources compared to national players.
Major Acquisitions
Citizens Independent Bancorp
- Year: 2018
- Acquisition Price (USD millions): 34.5
- Strategic Rationale: Expanded market presence and customer base in the Minneapolis-St. Paul area.
Growth Trajectory and Initiatives
Historical Growth: Requires access to historical financial data.
Future Projections: Analyst estimates are not publicly available or are limited for a bank of this size.
Recent Initiatives: Includes investments in technology and expansion of commercial lending activities.
Summary
Bridgewater Bancshares is a regional bank focused on the Minneapolis-St. Paul area, demonstrating consistent growth through organic expansion and strategic acquisitions. Its strong local market presence and customer relationships are key strengths. Challenges include competition from larger banks and exposure to the regional economy. Strategic initiatives and investments in technology will be crucial for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10K, 10Q)
- FDIC Data
- Third-Party Financial Analysis Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is estimated. Financial data should be verified with official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bridgewater Bancshares Inc
Exchange NASDAQ | Headquaters Saint Louis Park, MN, United States | ||
IPO Launch date 2018-03-14 | CEO Founder & Non Independent Executive Chairman Mr. Gerald John Baack | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 292 | |
Full time employees 292 | |||
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company offers 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 also provides 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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