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Upturn AI SWOT - About
BWB 
Bridgewater Bancshares Inc (BWB)
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Upturn Advisory Summary
09/15/2025: 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 $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 -10.07% | Avg. Invested days 31 | 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 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 457.31M USD | Price to earnings Ratio 13.75 | 1Y Target Price 19.67 |
Price to earnings Ratio 13.75 | 1Y Target Price 19.67 | ||
Volume (30-day avg) 3 | Beta 0.58 | 52 Weeks Range 11.93 - 17.66 | Updated Date 09/15/2025 |
52 Weeks Range 11.93 - 17.66 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.21 |
Earnings Date
Report Date - | When - | Estimate - | 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 13.75 | Forward PE - | Enterprise Value 808115392 | Price to Sales(TTM) 3.83 |
Enterprise Value 808115392 | Price to Sales(TTM) 3.83 | ||
Enterprise Value to Revenue 8.52 | Enterprise Value to EBITDA - | Shares Outstanding 27482500 | Shares Floating 21881319 |
Shares Outstanding 27482500 | Shares Floating 21881319 | ||
Percent Insiders 20.65 | Percent Institutions 60.24 |
Upturn AI SWOT
Bridgewater Bancshares Inc
Company Overview
History and Background
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank. Founded in 2005, the bank focuses on providing commercial banking services primarily to real estate professionals, small business owners, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Offers commercial loans, real estate financing, and deposit accounts to businesses.
- Private Banking: Provides tailored financial solutions for high-net-worth individuals, including wealth management and personalized banking services.
- Small Business Banking: Caters to the needs of small business owners with loans, lines of credit, and deposit accounts.
Leadership and Structure
Jerry Baack is the Chief Executive Officer. The company has a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects, targeting local developers and investors. Market share is difficult to pinpoint precisely but competes with regional and national banks in the Minneapolis-St. Paul metro area. Competitors include US Bank, Wells Fargo, and other regional banks.
- MarketShareCompetitors: USB,WFC,BANC,JPM
- MarketShareCompetitors: USB,WFC,BANC,JPM
- Small Business Loans: Loans and lines of credit for small businesses to support their operations and growth. Competes with SBA lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Competes with all banks and credit unions for deposits.
- MarketShareCompetitors: USB,WFC,BANC,JPM
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Bridgewater Bancshares focuses on relationship banking and providing personalized services to specific client segments, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The TAM for commercial banking in the Minneapolis-St. Paul metro area is significant, estimated to be in the billions of dollars. Bridgewater Bank's positioning allows it to capture a share of this market.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Relationship-based banking model
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Reliance on specific market segments
- Higher cost structure than online banks
Opportunities
- Expansion into new markets
- Increased demand for commercial real estate loans
- Adoption of new technologies
- Acquisition of smaller banks
Threats
- Economic downturn
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- WFC
- BANC
- JPM
Competitive Landscape
Bridgewater Bank differentiates itself through personalized service and local market knowledge. Its smaller size can be a disadvantage compared to larger competitors with more resources.
Growth Trajectory and Initiatives
Historical Growth: Requires live data. Discuss growth in assets, loans, and deposits over the past years.
Future Projections: Requires live data. Analyst estimates for revenue, earnings, and loan growth.
Recent Initiatives: Focus on digital banking initiatives to enhance customer experience and expand reach.
Summary
Bridgewater Bancshares operates with a focus on commercial banking in the Minneapolis-St. Paul area. Their strength lies in customer relationships, but they face stiff competition. Future success depends on managing operational costs and expanding their digital banking offerings. The company needs to watch out for economic downturns affecting local businesses.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data can change rapidly.
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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