ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bridgewater Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 8.47%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- NII(Q) Highest at USD 36.65 MM
- ROCE(HY) Highest at 1.03%
- PRE-TAX PROFIT(Q) Highest at USD 22.84 MM
3
With ROA of 0.61%, it has a very attractive valuation with a 0.94 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 31.06%, its profits have risen by 39.7% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 67.31%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.59% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 31.06% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bridgewater Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bridgewater Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bridgewater Bancshares, Inc.
31.06%
3.07
27.24%
S&P 500
22.93%
1.75
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.67%
EBIT Growth (5y)
10.15%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
67.31%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.94
EV to EBIT
14.12
EV to EBITDA
13.19
EV to Capital Employed
0.96
EV to Sales
2.79
PEG Ratio
0.27
Dividend Yield
NA
ROCE (Latest)
6.81%
ROE (Latest)
8.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at USD 36.65 MM
ROCE(HY)
Highest at 1.03%
PRE-TAX PROFIT(Q)
Highest at USD 22.84 MM
NET PROFIT(Q)
Highest at USD 17.41 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 101.25%
EPS(Q)
Highest at USD 0.58
-2What is not working for the Company
ROCE(HY)
Lowest at 1.03%
Here's what is working for Bridgewater Bancshares, Inc.
NII
Highest at USD 36.65 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
Highest at USD 22.84 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 17.41 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Pre-Tax Profit
At USD 22.84 MM has Grown at 80.55%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 17.41 MM has Grown at 80.69%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 101.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 10.94%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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