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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
09/16/2026: BWB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Bridgewater Bancshares Inc is a regional bank holding company focused on serving small to middle-market businesses and professionals in the Twin Cities area. The company is known for its high-touch, agile lending model which has historically driven strong asset growth. Its primary opportunity lies in deepening its penetration within its core niche and potentially utilizing digital tools to expand its reach. However, risks include geographic concentration, sensitivity to interest rate shifts, and competition from both regional and national banks. The stock is most suitable for growth-oriented investors who understand the risks associated with regional banking and are monitoring the bank's ability to maintain credit quality while scaling.
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 | Strong fit while signal remains positive | The company's focus on rapid loan portfolio expansion in a specific niche offers potential for capital appreciation. |
| Momentum investor | Mixed fit | Momentum performance depends on favorable interest rate cycles and regional economic indicators. |
| Value investor | Mixed fit | Valuation is often tied to bank asset quality and tangible book value, requiring careful assessment relative to peers. |
| Dividend investor | Weak fit | The company prioritizes reinvestment for growth over cash distributions to shareholders. |
| Low-risk investor | Weak fit | Regional banking and geographic concentration expose the stock to sector-specific and localized volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a regional bank, the stock price is sensitive to interest rate shifts and regional economic data. |
| Valuation risk | Medium | The stock's premium often depends on growth expectations that must be met to sustain valuation. |
| Competition risk (Regional/National Banking) | High | Competition from larger institutions can pressure margins and loan pricing. |
| Business quality | Medium | The firm has a solid niche model but relies heavily on specific regional economic health. |
| Dividend income | Low / none | There is no significant dividend payout to support income-focused investors. |
| Execution risk | Medium | The bank must successfully manage credit quality while pursuing aggressive loan growth. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
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 WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2026 |
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 591.42M USD | Price to earnings Ratio 11.65 | 1Y Target Price 24 |
Price to earnings Ratio 11.65 | 1Y Target Price 24 | ||
Volume (30-day avg) 139.4K shares | Beta 0.58 | 52 Weeks Range 16.06 - 22.62 | Updated Date 09/15/2026 |
52 Weeks Range 16.06 - 22.62 | Updated Date 09/15/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings derived from the spread between interest income on loans and interest expense on deposits. | The bank earns most of its money from the interest paid by borrowers on business and real estate loans. |
| Non-Interest Income | Service fees, deposit account fees, and other banking related charges. | Smaller revenue portion earned from fees associated with managing client accounts and services. |
Valuation
Trailing PE 11.65 | Forward PE 11.25 | Enterprise Value 906.20M | Price to Sales(TTM) 3.75 |
Enterprise Value 906.20M | Price to Sales(TTM) 3.75 | ||
Enterprise Value to Revenue 6.81 | Enterprise Value to EBITDA - | Shares Outstanding 27.88M | Shares Floating 22.50M |
Shares Outstanding 27.88M | Shares Floating 22.50M | ||
Percent Insiders 19.76 | Percent Institutions 69.96 |
Upturn AI Summary
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.
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.
About Bridgewater Bancshares Inc
Exchange NASDAQ | Headquarters 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 355 | |
Full time employees 355 | |||
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company provides 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 offers 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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