BWB
Bearish signalScored 2026-08-16 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Bridgewater Bancshares, Inc.
- Nom
- Bridgewater Bancshares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $573.8M
- Employés
- 355
- PDG
- Jerry J. Baack
- Site web
- https://www.bridgewaterbankmn.com
- Marché
- BCMLBFSTBHBCBNACWBCEQBK
Bridgewater Bancshares, Inc. functions as the holding company for Bridgewater Bank, which delivers a comprehensive array of banking products and services. Its core clientele includes commercial real estate investors, small business entrepreneurs, and high-net-worth individuals primarily located across the United States. The institution offers a diverse range of deposit accounts, such as savings accounts, money market accounts, demand deposits, and both time and brokered deposits. It also provides interest-bearing and non-interest-bearing transaction accounts, in addition to certificates of deposit (CDs). On the lending side, Bridgewater Bank extends commercial loans to various business structures, including sole proprietorships, partnerships, and corporations. These funds are designed to finance working capital needs like accounts receivable or inventory, support capital asset acquisition, or cover other business-related expenditures. The bank's specialized loan offerings further encompass Paycheck Protection Program (PPP) loans, construction and land development financing, mortgages for 1-4 family residences, multifamily property lending, and both owner-occupied and non-owner-occupied commercial real estate loans. Consumer and other miscellaneous loan products are also available. Customers can conveniently access banking services through online and mobile platforms, as well as direct banking channels. Established in 2005, the company's headquarters are situated in Saint Louis Park, Minnesota. It operates a network of seven full-service branches throughout Minnesota, specifically in Bloomington, Greenwood, Minneapolis, Orono, St. Louis Park, and St. Paul.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 273 245 titres (~5 794 817,96 $ US)
- Insiders
- Baack Jerry J.Shellberg Jeffrey D.Crocker Mary Jayne
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$5,803,319
Avg sell (VWAP, 90d window) $21.21 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-17
- Last synced
-
2026-08-23 00:12:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-15 | Stejskal Jessica Anne | Sell · S | 400 | $21.25 | $8,501 | Form 4 |
| 2026-08-17 | Baack Jerry J. | Sell · S | 10,000 | $22.48 | $224,813 | Form 4 |
| 2026-08-14 | Baack Jerry J. | Sell · S | 15,000 | $22.21 | $333,219 | Form 4 |
| 2026-08-13 | Baack Jerry J. | Sell · S | 10,000 | $22.03 | $220,282 | Form 4 |
| 2026-08-06 | Shellberg Jeffrey D. | Sell · S | 40,000 | $21.26 | $850,284 | Form 4 |
| 2026-08-05 | Shellberg Jeffrey D. | Sell · S | 160,000 | $21.04 | $3,366,736 | Form 4 |
| 2026-08-04 | Crocker Mary Jayne | Sell · S | 11,000 | $21.04 | $231,486 | Form 4 |
| 2026-07-30 | Crocker Mary Jayne | Sell · S | 11 | $21.21 | $233 | Form 4 |
| 2026-07-29 | Baack Jerry J. | Sell · S | 11,334 | $20.91 | $236,979 | Form 4 |
| 2026-07-27 | Baack Jerry J. | Sell · S | 15,900 | $20.80 | $330,785 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-08-16 Drivers: fundamentals. Moteurs : fondamentaux.
BWB presents a critically weak financial profile with a liquidity score of 15, driven by near-zero current/quick ratios (0.11) and an interest coverage ratio of 0.41, signaling an acute inability to service debt or meet…
The first sentence of the analysis written for BWB on 2026-08-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.11 · operating margin 21% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 47.2% | 41.4% | 48.4% | 75.4% | 81.7% | |
| Ebit Margin | 21.1% | 17.0% | 23.1% | 42.3% | 45.9% | |
| Ebitda Margin | 22.2% | 18.2% | 24.5% | 44.3% | 47.8% | |
| Operating Profit Margin | 21.1% | 17.0% | 23.1% | 42.3% | 45.9% | |
| Pretax Profit Margin | 20.6% | 17.0% | 23.1% | 42.3% | 45.9% | |
| Continuous Operations Profit Margin | 15.8% | 13.1% | 17.6% | 31.5% | 34.0% | |
| Net Profit Margin | 15.8% | 13.1% | 17.6% | 31.5% | 34.0% | |
| Bottom Line Profit Margin | 14.4% | 11.4% | 15.8% | 29.1% | 33.2% | |
| Current Ratio | 0.108 | 0.167 | 0.202 | 0.175 | 0.201 | |
| Quick Ratio | 0.108 | 0.167 | 0.202 | 0.175 | 0.201 | |
| Solvency Ratio | 0.010 | 0.008 | 0.010 | 0.014 | 0.016 | |
| Cash Ratio | 0.029 | 0.057 | 0.035 | 0.024 | 0.049 | |
| Price To Earnings Ratio | 11.458 | 12.867 | 10.481 | 9.966 | 11.126 | |
| Price To Earnings Growth Ratio | 0.251 | -0.692 | -0.381 | 0.834 | 0.165 | |
| Forward Price To Earnings Growth Ratio | 0.251 | -0.692 | -0.381 | 0.834 | 0.165 | |
| Price To Earnings Diluted Ratio | 11.687 | 13.117 | 10.646 | 10.314 | 11.487 | |
| Price To Earnings Diluted Growth Ratio | 0.256 | -0.694 | -0.407 | 0.882 | 0.175 | |
| Price To Book Ratio | 0.928 | 0.811 | 0.884 | 1.250 | 1.307 | |
| Price To Sales Ratio | 1.646 | 1.476 | 1.658 | 2.908 | 3.695 | |
| Price To Free Cash Flow Ratio | 21.850 | 8.778 | 13.914 | 5.907 | 9.274 | |
| Price To Operating Cash Flow Ratio | 17.256 | 8.005 | 12.538 | 5.793 | 9.141 | |
| Debt To Assets Ratio | 0.094 | 0.089 | 0.089 | 0.110 | 0.039 | |
| Debt To Equity Ratio | 0.983 | 0.989 | 0.970 | 1.210 | 0.355 | |
| Debt To Capital Ratio | 0.496 | 0.497 | 0.492 | 0.547 | 0.262 | |
| Long Term Debt To Capital Ratio | 0.496 | 0.497 | 0.492 | 0.325 | 0.262 | |
| Financial Leverage Ratio | 10.456 | 11.063 | 10.839 | 11.028 | 9.169 | |
| Working Capital Turnover Ratio | -0.080 | -0.079 | -0.075 | -0.063 | -0.063 | |
| Operating Cash Flow Ratio | 0.006 | 0.011 | 0.008 | 0.023 | 0.018 | |
| Operating Cash Flow Sales Ratio | 0.095 | 0.184 | 0.132 | 0.502 | 0.404 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.790 | 0.912 | 0.901 | 0.981 | 0.986 | |
| Debt Service Coverage Ratio | 0.340 | 0.249 | 0.368 | 0.176 | 2.491 | |
| Interest Coverage Ratio | 0.411 | 0.297 | 0.448 | 2.109 | 3.179 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.296 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.055 | 0.102 | 0.073 | 0.178 | 0.403 | |
| Capital Expenditure Coverage Ratio | 4.757 | 11.367 | 10.106 | 52.051 | 69.802 | |
| Dividend Paid And Capex Coverage Ratio | 2.809 | 5.701 | 4.273 | 14.946 | 27.842 | |
| Dividend Payout Ratio | 0.088 | 0.124 | 0.101 | 0.076 | 0.026 | |
| Enterprise Value Multiple | 13.363 | 12.900 | 11.862 | 11.751 | 7.565 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 47.2% | ▲5.7% | ▼-11.7% |
| Ebit Margin | 21.1% | ▲4.1% | ▼-8.8% |
| Ebitda Margin | 22.2% | ▲4.0% | ▼-9.2% |
| Operating Profit Margin | 21.1% | ▲4.1% | ▼-8.8% |
| Pretax Profit Margin | 20.6% | ▲3.6% | ▼-9.2% |
| Continuous Operations Profit Margin | 15.8% | ▲2.8% | ▼-6.6% |
| Net Profit Margin | 15.8% | ▲2.8% | ▼-6.6% |
| Bottom Line Profit Margin | 14.4% | ▲3.0% | ▼-6.4% |
| Current Ratio | 0.108 | ▼-0.058 | ▼-0.062 |
| Quick Ratio | 0.108 | ▼-0.058 | ▼-0.062 |
| Solvency Ratio | 0.010 | ▲0.002 | ▼-0.002 |
| Cash Ratio | 0.029 | ▼-0.029 | ▼-0.010 |
| Price To Earnings Ratio | 11.457 | ▼-1.409 | ▲0.278 |
| Price To Earnings Growth Ratio | 0.251 | ▲0.942 | ▲0.215 |
| Forward Price To Earnings Growth Ratio | 0.251 | ▲0.942 | ▲0.215 |
| Price To Earnings Diluted Ratio | 11.687 | ▼-1.430 | ▲0.237 |
| Price To Earnings Diluted Growth Ratio | 0.256 | ▲0.950 | ▲0.214 |
| Price To Book Ratio | 0.928 | ▲0.117 | ▼-0.108 |
| Price To Sales Ratio | 1.646 | ▲0.169 | ▼-0.631 |
| Price To Free Cash Flow Ratio | 21.850 | ▲13.072 | ▲9.905 |
| Price To Operating Cash Flow Ratio | 17.256 | ▲9.251 | ▲6.710 |
| Debt To Assets Ratio | 0.094 | ▲0.005 | ▲0.010 |
| Debt To Equity Ratio | 0.983 | ▼-0.006 | ▲0.082 |
| Debt To Capital Ratio | 0.496 | ▼-0.002 | ▲0.037 |
| Long Term Debt To Capital Ratio | 0.496 | ▼-0.002 | ▲0.081 |
| Financial Leverage Ratio | 10.457 | ▼-0.607 | ▼-0.055 |
| Working Capital Turnover Ratio | -0.080 | ▼-0.001 | ▼-0.008 |
| Operating Cash Flow Ratio | 0.006 | ▼-0.005 | ▼-0.007 |
| Operating Cash Flow Sales Ratio | 0.095 | ▼-0.089 | ▼-0.168 |
| Free Cash Flow Operating Cash Flow Ratio | 0.790 | ▼-0.122 | ▼-0.124 |
| Debt Service Coverage Ratio | 0.340 | ▲0.090 | ▼-0.385 |
| Interest Coverage Ratio | 0.411 | ▲0.114 | ▼-0.877 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-0.059 |
| Operating Cash Flow Coverage Ratio | 0.055 | ▼-0.048 | ▼-0.107 |
| Capital Expenditure Coverage Ratio | 4.757 | ▼-6.610 | ▼-24.860 |
| Dividend Paid And Capex Coverage Ratio | 2.809 | ▼-2.893 | ▼-8.305 |
| Dividend Payout Ratio | 0.088 | ▼-0.035 | ▲0.005 |
| Enterprise Value Multiple | 13.363 | ▲0.463 | ▲1.875 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $479.9M | $371.3M | $376.3M | $492.4M | $495.8M | |
| Enterprise value | $864.6M | $590.0M | $660.3M | $880.9M | $485.2M | |
| EV / Sales | 2.96x | 2.35x | 2.91x | 5.20x | 3.62x | |
| EV / Op. cash flow | 31.09x | 12.72x | 22.00x | 10.36x | 8.95x | |
| EV / Free cash flow | 39.36x | 13.95x | 24.41x | 10.57x | 9.08x | |
| EV / EBITDA | 13.36x | 12.90x | 11.86x | 11.75x | 7.57x | |
| Net debt / EBITDA | 5.95x | 4.78x | 5.10x | 5.18x | -0.17x | |
| Current ratio | 0.11x | 0.17x | 0.20x | 0.17x | 0.20x | |
| Income quality | 0.60x | 1.41x | 0.75x | 1.59x | 1.19x | |
| Graham number | $27 | $21 | $22 | $25 | $22 | |
| Graham net-net | -$162 | -$143 | -$124 | -$119 | -$89 | |
| Tax burden | 76.8% | 76.8% | 76.1% | 74.5% | 74.2% | |
| Interest burden | 97.6% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$3.85B | -$3.41B | -$2.97B | -$3.06B | -$2.35B | |
| Invested capital | -$3.78B | -$3.34B | -$2.91B | -$3.00B | -$2.30B | |
| Return on assets | 0.9% | 0.6% | 0.9% | 1.2% | 1.3% | |
| Operating ROA | 1.2% | 0.9% | 1.2% | 1.8% | 1.9% | |
| Return on tangible assets | 0.9% | 0.7% | 0.9% | 1.2% | 1.3% | |
| Return on equity | 8.9% | 7.2% | 9.4% | 13.5% | 12.0% | |
| Return on invested capital | 4.4% | 3.4% | 4.5% | 5.8% | 8.6% | |
| Return on capital employed | 5.7% | 4.4% | 5.9% | 11.2% | 11.6% | |
| Earnings yield | 9.6% | 8.8% | 10.6% | 10.8% | 9.2% | |
| Free cash flow yield | 4.6% | 11.4% | 7.2% | 16.9% | 10.8% | |
| Capex / Op. cash flow | 21.0% | 8.8% | 9.9% | 1.9% | 1.4% | |
| Capex / Depreciation | 148.1% | 135.8% | 94.5% | 50.2% | 30.4% | |
| Capex / Sales | 2.0% | 1.6% | 1.3% | 1.0% | 0.6% | |
| SG&A / Sales | 17.7% | 17.5% | 18.2% | 23.8% | 25.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.4% | 1.6% | 1.7% | 2.0% | 1.8% | |
| Intangibles / Total assets | 0.3% | 0.4% | 0.1% | 0.1% | 0.1% | |
| Days sales outstanding | 24d | 90d | 27d | 29d | 25d | |
| Days payables outstanding | 8d | 10d | 16d | 25d | 21d | |
| Operating cycle | 24d | 90d | 27d | 29d | 25d | |
| Cash conversion cycle | 16d | 80d | 10d | 4d | 4d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-08 Empowered Funds LLC Purchases 40,890 Shares of Bridgewater Bancshares, Inc. $BWB Empowered Funds LLC increased its holdings in shares of Bridgewater Bancshares, Inc. (NASDAQ: BWB) by 79.8% during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor owned 92,109 shares of the company''s stock after purchasing an additional 40,890 shares during the period. Empowered
- 2026-08-08 Bridgewater Bancshares, Inc. $BWB Shares Bought by Dimensional Fund Advisors LP Dimensional Fund Advisors LP increased its stake in Bridgewater Bancshares, Inc. (NASDAQ: BWB) by 2.5% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor owned 1,058,471 shares of the company''s stock after acquiring an additional 25,899 shares during the period.
- 2026-07-24 Bridgewater Bancshares Q2 Earnings Call Highlights Bridgewater Bancshares (NASDAQ: BWB) reported improved second-quarter profitability, driven by continued net interest margin expansion, net interest income growth and disciplined balance sheet management, executives said on the company''s 2026 second quarter earnings call. Chairman and Chief Executive Officer Jerry Baack said the company "reported another strong quarter," citing market share gains, improved profitability and growth
- 2026-07-22 Bridgewater Bancshares, Inc. (BWB) Q2 2026 Earnings Call Transcript Bridgewater Bancshares, Inc. (BWB) Q2 2026 Earnings Call Transcript
- 2026-07-22 Bridgewater Bancshares Q2 Earnings Call Highlights Bridgewater Bancshares NASDAQ: BWB reported improved second-quarter profitability, driven by continued net interest margin expansion, net interest income growth and disciplined balance sheet management, executives said on the company''s 2026 second quarter earnings call.
- 2026-07-21 Bridgewater (BWB) Lags Q2 Earnings Estimates Bridgewater (BWB) came out with quarterly earnings of $0.45 per share, missing the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.37 per share a year ago.
- 2026-07-21 Bridgewater Bancshares, Inc. Announces Second Quarter 2026 Financial Results ST. LOUIS PARK, Minn.--(BUSINESS WIRE)--Bridgewater Bancshares, Inc. (Nasdaq: BWB) (“the Company”), the parent company of Bridgewater Bank (“the Bank”), today announced net income of $14.0 million for the second quarter of 2026, compared to $17.4 million for the first quarter of 2026, and $11.5 million for the second quarter of 2025. Earnings per diluted common share were $0.45 for the second quarter of 2026, compared to $0.58 for the first quarter of 2026, and $0.38 for the second quarter of 2.
- 2026-07-14 Bridgewater (BWB) Earnings Expected to Grow: Should You Buy? Bridgewater (BWB) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-07 Bridgewater Bancshares, Inc. to Announce Second Quarter 2026 Financial Results and Host Earnings Conference Call ST. LOUIS PARK, Minn.--(BUSINESS WIRE)--Bridgewater Bancshares, Inc. (Nasdaq: BWB), the parent company of Bridgewater Bank, today announced that it will release its second quarter 2026 financial results after the market closes on Tuesday, July 21, 2026. Bridgewater will host a conference call and webcast to discuss the results on Wednesday, July 22, 2026 at 8:00 a.m. Central Time. Conference Call Details: To join the conference call by phone, please dial 844-481-2913 and request to join the Bri.
- 2026-07-07 Bridgewater Bank Earns Esteemed ‘Outstanding'' Community Reinvestment Act Performance Rating for Third Consecutive Exam ST. LOUIS PARK, Minn.--(BUSINESS WIRE)--Bridgewater Bank, a subsidiary of Bridgewater Bancshares, Inc. (Nasdaq: BWB), today announced it has received the highest possible rating of ‘Outstanding'' from the Federal Deposit Insurance Corporation (FDIC) for its Community Reinvestment Act (CRA) performance.The CRA evaluates how well financial institutions meet the credit needs of the communities they serve. Approximately 13% of all banks examined received an “Outstanding” rating. Bridgewater''s evaluat.