Bridgewater Bancshares Financials

BWB Stock  USD 11.48  0.19  1.68%   
Based on the key indicators related to Bridgewater Bancshares' liquidity, profitability, solvency, and operating efficiency, Bridgewater Bancshares may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Bridgewater Bancshares' Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 1.9 B, whereas Total Assets are forecasted to decline to about 3.1 B. Key indicators impacting Bridgewater Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.170.1752
Sufficiently Down
Very volatile
Return On Assets0.01270.0087
Way Up
Slightly volatile
Return On Equity0.130.0939
Significantly Up
Pretty Stable
Debt Equity Ratio0.750.9709
Significantly Down
Pretty Stable
Current Ratio0.06810.0717
Notably Down
Slightly volatile
The financial analysis of Bridgewater Bancshares is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Bridgewater Bancshares includes many different criteria found on its balance sheet. For example, investors should never minimize Bridgewater Bancshares' ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Bridgewater Bancshares' cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Bridgewater Bancshares.

Net Income

32.49 Million

With this module, you can analyze Bridgewater financials for your investing period. You should be able to track the changes in Bridgewater Bancshares individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Bridgewater Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bridgewater Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Bridgewater Bancshares' assets may result in an increase in income on the income statement.
Evaluating Bridgewater Bancshares' financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Bridgewater Bancshares' profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Bridgewater Bancshares' relative financial performance

Chance Of Distress

Less than 5

 
100  
 
Zero
Very Low
Bridgewater Bancshares has less than 5 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Bridgewater Bancshares stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Bridgewater Bancshares' odds of distress score SHOULD NOT be confused with the real chance of Bridgewater Bancshares filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Bridgewater is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Bridgewater Bancshares' liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Bridgewater Bancshares' official financial statements usually reflect Bridgewater Bancshares' business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Bridgewater Bancshares. For example, before you start analyzing numbers published by Bridgewater accountants, it's critical to develop an understanding of what Bridgewater Bancshares' liquidity, profitability, and earnings quality are in the context of the Thrifts & Mortgage Finance space in which it operates.
Please note, the presentation of Bridgewater Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Bridgewater Bancshares' management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Bridgewater Bancshares' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Bridgewater Bancshares. Please utilize our Beneish M Score to check the likelihood of Bridgewater Bancshares' management manipulating its earnings.

Bridgewater Bancshares Company Summary

Bridgewater Bancshares competes with Middlefield Banc, Merchants Bancorp, Mercantile Bank, MetroCity Bankshares, and Macatawa Bank. 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.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0001341317
ISINUS1086211034
CUSIP108621103
RegionNorth America
LocationMinnesota; U.S.A
Business Address4450 Excelsior Boulevard,
SectorThrifts & Mortgage Finance
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.bridgewaterbankmn.com
Phone952 893 6868
CurrencyUSD - US Dollar
You should never invest in Bridgewater Bancshares without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Bridgewater Stock, because this is throwing your money away. Analyzing the key information contained in Bridgewater Bancshares' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Bridgewater Bancshares Key Financial Ratios

Generally speaking, Bridgewater Bancshares' financial ratios allow both analysts and investors to convert raw data from Bridgewater Bancshares' financial statements into concise, actionable information that can be used to evaluate the performance of Bridgewater Bancshares over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Bridgewater Bancshares reports annually and quarterly.

Bridgewater Bancshares Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.3B2.9B3.5B4.3B4.6B3.1B
Other Current Liab(2.0M)(1.6M)(1.4M)(13.8M)1.8B1.9B
Other Liab23.9M16.5M16.0M43.5M50.1M52.6M
Net Tangible Assets241.3M262.1M309.7M324.6M373.3M251.4M
Net Debt139.6M(21.3M)(10.6M)101.4M285.9M300.2M
Retained Earnings127.6M154.8M199.3M248.7M280.7M169.1M
Accounts Payable2.0M1.6M1.4M2.8M5.3M5.5M
Cash34.6M163.5M145.3M88.2M128.6M88.0M
Other Assets1.6B1.9B2.4B3.6B4.2B2.4B
Long Term Debt174.2M84.7M134.7M189.7M412.5M433.2M
Net Receivables6.8M9.2M9.2M13.5M16.7M9.8M
Long Term Debt Total37.7M84.7M92.2M92.7M106.6M67.1M
Capital Surpluse112.1M103.7M104.1M96.5M111.0M106.0M
Other Current Assets41.4M172.7M154.5M101.7M145.3M138.0M
Total Liab2.0B2.7B3.1B4.0B4.2B2.8B
Total Current Assets331.2M563.3M593.9M108.1M145.3M138.0M
Short Term Debt15M13M11M13.8M233.6M245.3M
Intangible Assets861K670K479K288K188K178.6K
Common Stock290K281K282K278K277K302.5K
Net Invested Capital419.0M407.6M447.5M517.2M771.5M502.0M

Bridgewater Bancshares Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Bridgewater Bancshares' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Tax Provision6.9M8.5M15.9M18.3M14.1M11.5M
Net Interest Income74.1M88.0M109.5M129.7M112.8M86.5M
Interest Income103.8M114.8M128.9M163.7M212.7M118.0M
Interest Expense29.6M26.9M19.4M34.0M12.6M20.0M
Income Before Tax38.3M35.7M61.6M71.7M52.5M43.8M
Net Income31.4M27.2M45.7M53.4M40.0M32.5M
Income Tax Expense6.9M8.5M15.9M18.3M12.6M11.3M
Total Revenue78.0M93.8M114.8M136.0M228.1M239.5M
Gross Profit78.0M93.8M114.8M136.0M228.8M240.3M
Operating Income38.3M35.7M61.6M108.8M(3.0M)(2.9M)
Ebit38.3M35.7M61.6M108.8M(3.0M)(2.9M)
Ebitda38.5M35.9M61.8M109.0M100K95K

Bridgewater Bancshares Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Bridgewater Bancshares. It measures of how well Bridgewater is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Bridgewater Bancshares brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Bridgewater had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Bridgewater Bancshares has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Investments(262.0M)(505.8M)(545.6M)(929.2M)(372.1M)(390.7M)
Change In Cash3.5M128.7M(17.2M)(56.4M)41.5M43.6M
Net Borrowings(7.5M)(32.2M)(7.9M)341.5M392.7M412.4M
Free Cash Flow24.0M(1.7M)53.5M83.4M27.0M34.1M
Depreciation1.2M1.4M2.6M3.3M3.1M1.9M
Other Non Cash Items4.8M14.2M8.2M9.9M271K257.5K
Capital Expenditures15.6M24.7M777K1.6M3.0M2.8M
Net Income31.4M27.2M45.7M53.4M40.0M35.0M
End Period Cash Flow31.9M160.7M143.5M87.0M128.6M85.3M
Change To Netincome2.6M11.8M3.1M9.7M11.1M6.2M

Bridgewater Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bridgewater Bancshares's current stock value. Our valuation model uses many indicators to compare Bridgewater Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bridgewater Bancshares competition to find correlations between indicators driving Bridgewater Bancshares's intrinsic value. More Info.
Bridgewater Bancshares is rated fifth in price to earnings to growth category among related companies. It is rated fourth in operating margin category among related companies reporting about  0.76  of Operating Margin per Price To Earnings To Growth. The ratio of Price To Earnings To Growth to Operating Margin for Bridgewater Bancshares is roughly  1.32 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Bridgewater Bancshares by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Bridgewater Bancshares' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bridgewater Bancshares' earnings, one of the primary drivers of an investment's value.

Bridgewater Bancshares Systematic Risk

Bridgewater Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bridgewater Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Bridgewater Bancshares correlated with the market. If Beta is less than 0 Bridgewater Bancshares generally moves in the opposite direction as compared to the market. If Bridgewater Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bridgewater Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bridgewater Bancshares is generally in the same direction as the market. If Beta > 1 Bridgewater Bancshares moves generally in the same direction as, but more than the movement of the benchmark.

About Bridgewater Bancshares Financials

What exactly are Bridgewater Bancshares Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Bridgewater Bancshares' income statement, its balance sheet, and the statement of cash flows. Potential Bridgewater Bancshares investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Bridgewater Bancshares investors may use each financial statement separately, they are all related. The changes in Bridgewater Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Bridgewater Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Bridgewater Bancshares Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Bridgewater Bancshares is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Bridgewater has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Bridgewater Bancshares' financials are consistent with your investment objective using the following steps:
  • Review Bridgewater Bancshares' balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Bridgewater Bancshares' liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Bridgewater Bancshares' financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Bridgewater Bancshares' stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in Bridgewater Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bridgewater Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bridgewater Bancshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.29)

At present, Bridgewater Bancshares' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Bridgewater Bancshares March 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bridgewater Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bridgewater Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bridgewater Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Bridgewater Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bridgewater Bancshares's daily price indicators and compare them against related drivers.
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:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bridgewater Bancshares. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in housing.
For information on how to trade Bridgewater Stock refer to our How to Trade Bridgewater Stock guide.
You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.

Complementary Tools for Bridgewater Stock analysis

When running Bridgewater Bancshares' price analysis, check to measure Bridgewater Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bridgewater Bancshares is operating at the current time. Most of Bridgewater Bancshares' value examination focuses on studying past and present price action to predict the probability of Bridgewater Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bridgewater Bancshares' price. Additionally, you may evaluate how the addition of Bridgewater Bancshares to your portfolios can decrease your overall portfolio volatility.
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Is Bridgewater Bancshares' industry 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
(0.37)
Earnings Share
1.27
Revenue Per Share
4.015
Quarterly Revenue Growth
(0.17)
Return On Assets
0.0089
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.