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Upturn AI SWOT - About
BWB 
Bridgewater Bancshares Inc (BWB)
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Upturn Advisory Summary
10/20/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.33
1 Year Target Price $20.33
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.53% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 466.38M USD | Price to earnings Ratio 14.02 | 1Y Target Price 20.33 |
Price to earnings Ratio 14.02 | 1Y Target Price 20.33 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 11.93 - 18.01 | Updated Date 10/19/2025 |
52 Weeks Range 11.93 - 18.01 | Updated Date 10/19/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.21 |
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 0.4 | Actual - |
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 14.02 | Forward PE - | Enterprise Value 817184576 | Price to Sales(TTM) 3.91 |
Enterprise Value 817184576 | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 8.56 | Enterprise Value to EBITDA - | Shares Outstanding 27482534 | Shares Floating 21775511 |
Shares Outstanding 27482534 | Shares Floating 21775511 | ||
Percent Insiders 20.76 | Percent Institutions 60.38 |
Upturn AI SWOT
Bridgewater Bancshares Inc
Company Overview
History and Background
Bridgewater Bancshares, Inc. was founded in 2005. It has grown through organic expansion and strategic acquisitions to become a significant community bank in the Minneapolis-St. Paul metropolitan area.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, residential mortgages, and other consumer financial services to individuals and families.
- Wealth Management: Provides investment advisory and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Its organizational structure includes various departments responsible for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to obtain precisely at the local level, but Bridgewater competes with regional and national banks like U.S. Bank (USB) and Wells Fargo (WFC). Revenue figures are not publicly segmented by specific loan type.
- Small Business Loans: Loans to small businesses for various purposes. Competitors include other community banks and online lenders like Kabbage (acquired by Amex).
- Deposit Accounts: Checking, savings, and money market accounts. Competitors include all banks operating in the Minneapolis-St. Paul area.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds due to increased regulatory scrutiny, competition from fintech companies, and fluctuating interest rates. Community banks are focusing on relationship banking and localized service to differentiate themselves.
Positioning
Bridgewater Bancshares positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include its strong relationships with local businesses and its understanding of the local market.
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 annually. Bridgewater's market share is relatively small compared to larger national banks, leaving considerable room for growth. The bank's specialization in commercial real estate and small business lending allows it to capture a targeted portion of the broader TAM.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Reliance on commercial real estate lending
- Potential operational inefficiencies
Opportunities
- Expansion into new markets within Minnesota
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growing demand for small business loans
Threats
- Increased competition from national banks and fintech companies
- Economic downturn affecting real estate values
- Rising interest rates impacting loan demand
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- USB
- WFC
- TCBI
Competitive Landscape
Bridgewater Bancshares competes with larger national banks and other community banks. Its advantages include its local market expertise and personalized service. Its disadvantages include its smaller scale and limited geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Bridgewater Bancshares has demonstrated growth through organic expansion and strategic acquisitions. Its historical growth has been tied to the health of the local economy and the demand for commercial real estate.
Future Projections: Future growth is projected to be driven by continued expansion within Minnesota, increased adoption of digital banking, and potential acquisitions. Analyst estimates vary depending on economic conditions and competitive pressures.
Recent Initiatives: Recent initiatives include investments in technology to improve customer experience, expansion of its commercial lending team, and focus on small business lending.
Summary
Bridgewater Bancshares is a community bank focusing on local businesses and personalized service, which allows it to compete effectively against larger national players. It faces threats from increased competition and economic fluctuations, while its strengths lie in its strong local ties and experienced management. Opportunities for growth include expansion within Minnesota and adoption of digital banking. The bank needs to be careful to diversify from real estate lending to ensure long term survival.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company websites, SEC filings, market research reports, financial news articles.
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and financial information are subject to change.
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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