Joseph Chybowski - Bridgewater Bancshares CFO, Senior Vice President

BWB Stock  USD 13.49  0.26  1.89%   

President

Mr. Joseph M. Chybowski serves as Chief Financial Officer, Senior Vice President of the Company. Mr. Chybowski joined the Company in 2013 as the Controller, and in January of 2017, he was promoted to Senior Vice President and Chief Financial Officer. Mr. Chybowski manages all financial activities, including, but not limited to, accounting, regulatory reporting, liquidity management, investment strategies, insurance and capital development. He directs all financial initiatives for the Bank. Mr. Chybowski chairs the Bank ALM Committee as well as the Investment Committee. Prior to joining the Bank, Mr. Chybowski worked with Performance Trust Capital Partners in Chicago from 2009 to 2013 advising financial institutions on investment portfolio strategy and assetliability management. He currently serves on the board of People Serving People, Minnesota largest homeless shelter since 2017.
Age 37
Tenure 7 years
Address 4450 Excelsior Boulevard, Saint Louis Park, MN, United States, 55416
Phone952 893 6868
Webhttps://www.bridgewaterbankmn.com
Chybowski received his B.S. from North Park University in Chicago and is an alumnus of the Graduate School of Banking at Colorado, Boulder.

Bridgewater Bancshares Management Efficiency

The current year's Return On Tangible Assets is expected to grow to 0.01. The current year's Return On Capital Employed is expected to grow to 0.02. At present, Bridgewater Bancshares' Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 4 B, whereas Total Assets are forecasted to decline to about 3.1 B. Bridgewater Bancshares' management efficiency ratios could be used to measure how well Bridgewater Bancshares manages its routine affairs as well as how well it operates its assets and liabilities.
Bridgewater Bancshares has 412.54 M in debt with debt to equity (D/E) ratio of 8.72, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for Bridgewater to invest in growth at high rates of return.

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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. Bridgewater Bancshares (BWB) is traded on NASDAQ Exchange in USA. It is located in 4450 Excelsior Boulevard, Saint Louis Park, MN, United States, 55416 and employs 265 people. Bridgewater Bancshares is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Bridgewater Bancshares Leadership Team

Elected by the shareholders, the Bridgewater Bancshares' board of directors comprises two types of representatives: Bridgewater Bancshares inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Bridgewater. The board's role is to monitor Bridgewater Bancshares' management team and ensure that shareholders' interests are well served. Bridgewater Bancshares' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Bridgewater Bancshares' outside directors are responsible for providing unbiased perspectives on the board's policies.
Jeffrey Shellberg, Executive Vice President Chief Credit Officer, Director
Nicholas Place, Senior Vice President Chief Lending Officer
Daniel Poppe, Senior Officer
Tony Ferraro, Managing Lending
Mary Crocker, COO, Executive Vice President
Mark Hokanson, Chief Officer
Ben JD, General Counsel
Laura Espeseth, Chief Officer
Lisa Salazar, Chief Officer
Gerald Baack, CEO Chairman
Justin Horstman, Director Relations
Joseph Chybowski, CFO, Senior Vice President
Erik Schwegler, Senior Estate
Ben Klocke, General Counsel

Bridgewater Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Bridgewater Bancshares a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Also Currently Popular

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When determining whether Bridgewater Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bridgewater Bancshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bridgewater Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bridgewater Bancshares Stock:
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bridgewater Bancshares. If investors know Bridgewater will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bridgewater Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.10)
Earnings Share
1.05
Revenue Per Share
3.832
Quarterly Revenue Growth
(0.02)
Return On Assets
0.0072
The market value of Bridgewater Bancshares is measured differently than its book value, which is the value of Bridgewater that is recorded on the company's balance sheet. Investors also form their own opinion of Bridgewater Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Bridgewater Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bridgewater Bancshares' market value can be influenced by many factors that don't directly affect Bridgewater Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bridgewater Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Bridgewater Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bridgewater Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.