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 Jun 26
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 42.31 MM
- NII(Q) Highest at USD 38.57 MM
- NET PROFIT(HY) At USD 31.41 MM has Grown at 50.13%
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 19.78%, its profits have risen by 39.7% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 71.42%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.11% over the previous quarter.
5
Consistent Returns over the last 3 years
- Along with generating 19.78% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
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.
18.24%
3.48
26.20%
S&P 500
15.76%
1.22
13.15%
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 Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 42.31 MM
NII(Q)
Highest at USD 38.57 MM
NET PROFIT(HY)
At USD 31.41 MM has Grown at 50.13%
ROCE(HY)
Highest at 1.05%
CASH AND EQV(HY)
Highest at USD 391.96 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 101.65%
OPERATING PROFIT(Q)
Highest at USD 18.45 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.39 %
-2What is not working for the Company
ROCE(HY)
Lowest at 1.05%
Here's what is working for Bridgewater Bancshares, Inc.
NII
Highest at USD 38.57 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 42.31 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
At USD 31.41 MM has Grown at 50.13%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Profit
Highest at USD 18.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.39 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 391.96 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 101.65%
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 10.98%
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 (%)
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