Bridgewater Bancshares Financials

BWB Stock  USD 13.49  0.26  1.89%   
Based on the key indicators related to Bridgewater Bancshares' liquidity, profitability, solvency, and operating efficiency, Bridgewater Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Bridgewater Bancshares' Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 1.9 B, whereas Total Assets are forecasted to decline to about 3.1 B. Key indicators impacting Bridgewater Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.280.3573
Significantly Down
Slightly volatile
Return On Assets0.01270.0087
Way Up
Slightly volatile
Return On Equity0.130.0939
Significantly Up
Pretty Stable
Debt Equity Ratio0.730.9695
Way Down
Pretty Stable
Operating Income58.9 M62.2 M
Notably Down
Slightly volatile
Current Ratio0.06790.0715
Notably Down
Slightly volatile
Investors should never underestimate Bridgewater Bancshares' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bridgewater Bancshares' cash flow, debt, and profitability to make informed and accurate decisions about investing in Bridgewater Bancshares.

Net Income

32.49 Million

  
Understanding current and past Bridgewater Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bridgewater Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Bridgewater Bancshares' assets may result in an increase in income on the income statement.
Please note, the presentation of Bridgewater Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Bridgewater Bancshares' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Bridgewater Bancshares' management manipulating its earnings.

Bridgewater Bancshares Stock Summary

Bridgewater Bancshares competes with Home Federal, First Financial, First Northwest, First Capital, and Community West. Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, small business entrepreneurs, and high net worth individuals in the United States. The company was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota. Bridgewater Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 246 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1086211034
CUSIP108621103
LocationMinnesota; U.S.A
Business Address4450 Excelsior Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bridgewaterbankmn.com
Phone952 893 6868
CurrencyUSD - US Dollar

Bridgewater Bancshares Key Financial Ratios

Bridgewater Bancshares Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.3B2.9B3.5B4.3B4.6B3.1B
Other Current Liab(2.0M)(1.6M)(1.4M)(2.8M)1.8B1.9B
Other Liab23.9M16.5M16.0M43.5M50.1M52.6M
Net Tangible Assets241.3M262.1M309.7M324.6M373.3M251.4M
Net Debt139.6M(21.3M)(10.6M)101.4M284.0M298.2M
Retained Earnings127.6M154.8M199.3M248.7M280.7M169.1M
Accounts Payable2.0M1.6M1.4M2.8M5.3M5.5M
Cash34.6M163.5M145.3M88.2M128.6M88.0M
Other Assets1.6B1.9B2.4B3.6B16.7M15.9M
Long Term Debt174.2M84.7M134.7M189.7M412.5M433.2M
Net Receivables6.8M9.2M9.2M13.5M16.7M9.8M
Long Term Debt Total37.7M84.7M92.2M92.7M106.6M67.1M
Capital Surpluse112.1M103.7M104.1M96.5M111.0M106.0M
Other Current Assets41.4M172.7M154.5M101.7M145.3M138.0M
Total Liab2.0B2.7B3.1B4.0B4.2B2.8B
Total Current Assets331.2M563.3M593.9M108.1M128.6M122.1M
Short Term Debt15M13M11M13.8M233.6M245.3M
Intangible Assets861K670K479K288K188K178.6K
Common Stock290K281K282K278K277K302.5K
Net Invested Capital419.0M407.6M447.5M517.2M771.5M502.0M

Bridgewater Bancshares Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision6.9M8.5M15.9M18.3M14.1M11.5M
Net Interest Income74.1M88.0M109.5M129.7M112.8M86.5M
Interest Income103.8M114.8M128.9M163.7M212.7M118.0M
Interest Expense29.6M26.9M19.4M34.0M117.2M123.0M
Income Before Tax38.3M35.7M61.6M71.7M52.5M43.8M
Net Income31.4M27.2M45.7M53.4M40.0M32.5M
Income Tax Expense6.9M8.5M15.9M18.3M12.6M11.3M
Total Revenue78.0M93.8M114.8M136.0M111.8M96.7M
Gross Profit78.0M93.8M114.8M136.0M111.8M96.7M
Operating Income38.3M35.7M61.6M108.8M62.2M58.9M
Ebit38.3M35.7M61.6M72.2M52.5M52.6M
Ebitda38.5M37.1M64.1M75.0M55.7M54.2M

Bridgewater Bancshares Key Cash Accounts

201920202021202220232024 (projected)
Investments(262.0M)(505.8M)(545.6M)(929.2M)(372.1M)(390.7M)
Change In Cash3.5M128.7M(17.2M)(56.4M)41.5M43.6M
Net Borrowings(7.5M)(32.2M)(7.9M)341.5M392.7M412.4M
Free Cash Flow24.0M(1.7M)53.5M83.4M27.0M34.1M
Depreciation1.2M1.4M2.6M3.3M3.1M1.9M
Other Non Cash Items4.8M14.2M8.2M9.9M271K257.5K
Capital Expenditures15.6M24.7M777K1.6M3.0M2.8M
Net Income31.4M27.2M45.7M53.4M40.0M35.0M
End Period Cash Flow31.9M160.7M143.5M87.0M128.6M85.3M
Change To Netincome2.6M11.8M3.1M9.7M11.1M6.2M

Bridgewater Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bridgewater Bancshares's current stock value. Our valuation model uses many indicators to compare Bridgewater Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bridgewater Bancshares competition to find correlations between indicators driving Bridgewater Bancshares's intrinsic value. More Info.
Bridgewater Bancshares is rated fifth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Bridgewater Bancshares is roughly  10.72 . At present, Bridgewater Bancshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bridgewater Bancshares' earnings, one of the primary drivers of an investment's value.

Bridgewater Bancshares Systematic Risk

Bridgewater Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bridgewater Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Bridgewater Bancshares correlated with the market. If Beta is less than 0 Bridgewater Bancshares generally moves in the opposite direction as compared to the market. If Bridgewater Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bridgewater Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bridgewater Bancshares is generally in the same direction as the market. If Beta > 1 Bridgewater Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bridgewater Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bridgewater Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bridgewater Bancshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.33)

At present, Bridgewater Bancshares' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Bridgewater Bancshares December 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bridgewater Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bridgewater Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bridgewater Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Bridgewater Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bridgewater Bancshares's daily price indicators and compare them against related drivers.

Complementary Tools for Bridgewater Stock analysis

When running Bridgewater Bancshares' price analysis, check to measure Bridgewater Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bridgewater Bancshares is operating at the current time. Most of Bridgewater Bancshares' value examination focuses on studying past and present price action to predict the probability of Bridgewater Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bridgewater Bancshares' price. Additionally, you may evaluate how the addition of Bridgewater Bancshares to your portfolios can decrease your overall portfolio volatility.
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