
Bridgewater Bancshares, Inc. (BWB)
ValueMarkers Composite Index
118% above intrinsic value ($9)
Bridgewater Bancshares, Inc. (BWB) — VMCI valuation read
Composite valuation read on BWB: VMCI 50/100 against a Financial Services sector median of 50. The 0-point above-median print is the headline number for Bridgewater Bancshares, Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for BWB: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on BWB: BWB trades at 17.0x earnings, 6% below the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 2.0x is the rate-sensitivity line to watch. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
BWB rose 0.1% over the trailing 7 days, with a -9.5% read on a 30-day basis.
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 offers savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It also provides commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance accounts receivable or inventory, capital assets, or other business-related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. It operates through seven full-service offices located in Bloomington, Greenwood, Minneapolis, St. Louis Park, Orono, and St. Paul, Minnesota. The company was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
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