Bridgewater Bancshares, Inc. (BWB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bridgewater Bancshares, Inc.

Peoples Financial Services Corp.

ACNB Corp.

First Bank (Hamilton, New Jersey)

Citizens & Northern Corp.

Sierra Bancorp

West Bancorporation, Inc.

Carter Bankshares, Inc.

Home Bancorp, Inc.

MVB Financial Corp.

Sterling Bancorp, Inc. (Michigan)

Why is Bridgewater Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 8.54%

Positive results in Dec 25

NII(Q) Highest at USD 35.69 MM
OPERATING PROFIT(Q) Highest at USD 17.07 MM
PRE-TAX PROFIT(Q) Highest at USD 17.15 MM

With ROA of 0.48%, it has a fair valuation with a 1.00 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 24.49%, its profits have risen by 11% ; the PEG ratio of the company is 1.2

High Institutional Holdings at 64.72%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.87% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

24.49%

1.85

30.75%

S&P 500

20.12%

1.04

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.67%

EBIT Growth (5y)

10.47%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

64.72%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

16.14

EV to EBITDA

14.94

EV to Capital Employed

1.00

EV to Sales

2.82

PEG Ratio

1.24

Dividend Yield

ROCE (Latest)

6.21%

ROE (Latest)

7.94%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

NII(Q)

Highest at USD 35.69 MM

OPERATING PROFIT(Q)

Highest at USD 17.07 MM

PRE-TAX PROFIT(Q)

Highest at USD 17.15 MM

NET PROFIT(Q)

Highest at USD 13.33 MM

OPERATING PROFIT MARGIN(Q)

Highest at 23.28 %

EPS(Q)

Highest at USD 0.43

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 20.84 MM

GROSS NPA (%)

Here's what is working for Bridgewater Bancshares, Inc.

NII

Highest at USD 35.69 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 17.07 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 17.15 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 13.33 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Profit Margin

Highest at 23.28 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 17.15 MM has Grown at 63.1%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 13.33 MM has Grown at 62.53%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.43

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Bridgewater Bancshares, Inc.

Non Performing Loans (%)

Highest at 0.51%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD 20.84 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)