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Upturn AI Summary - About
Bridgewater Bancshares Inc(BWB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BWB
10/28/2026: BWB (1-star) is currently NOT-A-BUY. Pass it for now.
Bridgewater Bancshares is a Minnesota-based regional banking institution that primarily serves small-to-medium-sized businesses and professionals. The company has a leading position in the Twin Cities, driven by its focus on personalized client relationships and efficient commercial lending. Its core growth opportunity lies in deepening market share within its existing territory and leveraging improved digital banking platforms. Key risks include a high concentration in commercial real estate lending and ongoing competition from national financial institutions. The stock may suit value-oriented investors who appreciate stable regional exposure, though potential investors should monitor the company's ability to maintain asset quality amidst fluctuating interest rates.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely driven by regional economic factors rather than high-octane scaling. |
| Momentum investor | Weak fit | The stock often lacks the high-velocity price action preferred by momentum traders. |
| Value investor | Strong fit while signal remains positive | Shares often trade at valuations reflective of community bank fundamentals. |
| Dividend investor | Weak fit | The company prioritizes reinvestment over dividend yield. |
| Low-risk investor | Medium fit | While stable, regional banking carries sensitivity to real estate and interest rate cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro interest rate changes. |
| Valuation risk | Medium | Overpayment for regional banks can lead to multiple compression. |
| Competition risk (regional banking competition) | High | Aggressive pricing by national banks can erode margins. |
| Business quality | Medium | The business is reliable but dependent on local economic health. |
| Dividend income | Low | Income seekers may be better served elsewhere. |
| Execution risk | Medium | Successful scaling requires effective credit management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -6.86% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 569.39M USD | Price to earnings Ratio 10.47 | 1Y Target Price 23.75 |
Price to earnings Ratio 10.47 | 1Y Target Price 23.75 | ||
Volume (30-day avg) 104.2K shares | Beta 0.63 | 52 Weeks Range 16.06 - 22.62 | Updated Date 10/27/2026 |
52 Weeks Range 16.06 - 22.62 | Updated Date 10/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.95 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The primary way they make money is by charging more on loans than they pay out on savings accounts. |
| Non-Interest Income | Service fees, mortgage banking fees, and other banking service charges. | They supplement interest income with various service fees collected from business and personal accounts. |
Earnings Date
Report Date 2026-10-20 | When After Market | Estimate 0.47 | Actual 0.49 |
Profitability
Profit Margin 36.62% | Operating Margin (TTM) 49.21% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.51% |
Valuation
Trailing PE 10.47 | Forward PE 11.25 | Enterprise Value 879.85M | Price to Sales(TTM) 3.49 |
Enterprise Value 879.85M | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 6.81 | Enterprise Value to EBITDA - | Shares Outstanding 27.88M | Shares Floating 22.57M |
Shares Outstanding 27.88M | Shares Floating 22.57M | ||
Percent Insiders 19.71 | Percent Institutions 65.88 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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