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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
10/14/2026: BWB (1-star) is currently NOT-A-BUY. Pass it for now.
Bridgewater Bancshares Inc is a focused commercial bank that serves entrepreneurs and business owners primarily in the Twin Cities region. Its core strength lies in a high-touch, relationship-based service model that differentiates it from larger national banks. Growth is driven by strategic expansion and targeted additions to its loan portfolio, though this creates a concentration in commercial real estate. Key risks include interest rate volatility and economic conditions affecting its local market. The stock may suit value-oriented investors who favor a specialized business banking model, though investors should monitor the company's ability to diversify revenue and manage credit risks during economic cycles.
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 | The company offers moderate growth potential linked to regional economic expansion. |
| Momentum investor | Weak fit | Banking stocks typically require sustained favorable rate environments to generate significant short-term momentum. |
| Value investor | Strong fit | The stock often trades at valuations that reflect regional banking risks, providing potential for value-oriented entry points. |
| Dividend investor | Weak fit | The company prioritizes reinvestment over consistent dividend distributions. |
| Low-risk investor | Mixed fit | While established, the sector's sensitivity to interest rates and CRE cycles introduces notable volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking sector sentiment is highly sensitive to macroeconomic shifts and interest rate forecasts. |
| Valuation risk | Medium | Valuations are heavily influenced by broader market conditions and perceived regional bank stability. |
| Competition risk (traditional banking) | High | Competition from both large national players and agile local banks puts pressure on margins and loan pricing. |
| Business quality | Medium | The company has a solid reputation, but its specialized CRE focus is a defining factor in its risk-adjusted business quality. |
| Dividend income | Low / none | The company does not rely on dividends as a primary component of its shareholder return strategy. |
| Execution risk | Medium | Maintaining asset quality while growing the loan portfolio in a fluctuating interest rate environment requires precise 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 -6.95% | 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 10/14/2026 |
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 567.99M USD | Price to earnings Ratio 11.07 | 1Y Target Price 24 |
Price to earnings Ratio 11.07 | 1Y Target Price 24 | ||
Volume (30-day avg) 98.5K shares | Beta 0.63 | 52 Weeks Range 16.06 - 22.62 | Updated Date 10/13/2026 |
52 Weeks Range 16.06 - 22.62 | Updated Date 10/13/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.84 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank profits from the spread between the interest it charges borrowers and the interest it pays to depositors. |
| Non-Interest Income | Treasury management fees, service charges, and other banking fees. | These are fees generated from providing specialized financial services rather than lending money. |
Earnings Date
Report Date 2026-10-20 | When After Market | Estimate 0.47 | Actual - |
Profitability
Profit Margin 35.71% | Operating Margin (TTM) 47.76% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 11% |
Valuation
Trailing PE 11.07 | Forward PE 11.25 | Enterprise Value 882.77M | Price to Sales(TTM) 3.6 |
Enterprise Value 882.77M | Price to Sales(TTM) 3.6 | ||
Enterprise Value to Revenue 6.65 | Enterprise Value to EBITDA - | Shares Outstanding 27.88M | Shares Floating 22.50M |
Shares Outstanding 27.88M | Shares Floating 22.50M | ||
Percent Insiders 19.77 | Percent Institutions 66.1 |
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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