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Upturn AI SWOT - About
BWB 
Bridgewater Bancshares Inc (BWB)
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Upturn Advisory Summary
08/13/2025: BWB (1-star) is currently NOT-A-BUY. Pass it for now.
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.67
1 Year Target Price $19.67
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.95% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 446.04M USD | Price to earnings Ratio 13.41 | 1Y Target Price 19.67 |
Price to earnings Ratio 13.41 | 1Y Target Price 19.67 | ||
Volume (30-day avg) 3 | Beta 0.58 | 52 Weeks Range 11.93 - 17.66 | Updated Date 08/12/2025 |
52 Weeks Range 11.93 - 17.66 | Updated Date 08/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.21 |
Earnings Date
Report Date 2025-07-23 | When After Market | Estimate 0.34 | Actual 0.37 |
Profitability
Profit Margin 31.88% | Operating Margin (TTM) 47.3% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 8.31% |
Valuation
Trailing PE 13.41 | Forward PE - | Enterprise Value 780907648 | Price to Sales(TTM) 3.74 |
Enterprise Value 780907648 | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 8.43 | Enterprise Value to EBITDA - | Shares Outstanding 27482500 | Shares Floating 21835973 |
Shares Outstanding 27482500 | Shares Floating 21835973 | ||
Percent Insiders 20.63 | Percent Institutions 51.63 |
Upturn AI SWOT
Bridgewater Bancshares Inc
Company Overview
History and Background
Bridgewater Bancshares, Inc. was founded in 2005 and is headquartered in Bloomington, Minnesota. It operates as the holding company for Bridgewater Bank, providing various banking products and services to small to medium-sized businesses, and individuals in the Minneapolis-St. Paul metropolitan area.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products tailored to businesses, including commercial real estate loans, business term loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans to individual customers.
Leadership and Structure
The company is led by its executive management team, including the CEO, CFO, and other key officers. The organizational structure typically consists of various departments responsible for different aspects of banking operations, such as lending, credit, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to real estate investors and developers. Market share data specific to Bridgewater Bancshares is not readily available. Competitors include larger national and regional banks like U.S. Bancorp (USB), Wells Fargo (WFC), and local community banks.
- Business Term Loans: Loans provided to businesses for various purposes, such as equipment purchases, expansion, or working capital. Market share is not readily available. Competitors include traditional banks, credit unions, and online lenders like Kabbage (acquired by American Express).
- Treasury Management Services: Services aimed at helping businesses manage their cash flow, including account reconciliation and electronic transfers. Market share data is not readily available. Competitors include larger national and regional banks that specialize in this area.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological disruption (fintech), and fluctuating interest rates. Banks are also facing challenges from non-bank financial institutions.
Positioning
Bridgewater Bancshares is positioned as a community-focused bank catering primarily to small to medium sized businesses in the Minneapolis - St Paul area. They attempt to differentiate themselves by focusing on local knowledge and relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Minneapolis-St. Paul metro area is substantial, estimated to be in the billions of dollars annually. Bridgewater Bancshares' positioning allows it to capture a specific segment of this market, focusing on small to medium-sized businesses. Exact TAM data is not available but can be approximated by looking at overall banking revenues within the metro region.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on specific market segments
Opportunities
- Expansion into new markets within Minnesota
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- USB
- WFC
- TCBI
- ALLY
Competitive Landscape
Bridgewater Bancshares faces stiff competition from national and regional banks with greater resources. Its advantage lies in local expertise and personalized service, but it must continually innovate to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Requires current data to be populated. Discuss Bridgewater Bancshares Inc's growth trends over the past years.
Future Projections: Requires future projections from analysts to be populated.
Recent Initiatives: Requires up-to-date information on strategic initiatives undertaken by the bank.
Summary
Bridgewater Bancshares is a community-focused bank with a solid local presence. Strengths include local relationships and asset quality, but it needs to address limited geographic diversification and competition from larger entities. Future success depends on innovative digital banking strategies and growth initiatives.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Research Reports
- Analyst Estimates
- SEC Filings
Disclaimers:
This analysis is based on available information and assumptions. Actual results may vary. This is not financial advice.
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 308 | |
Full time employees 308 | |||
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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