US · BWB
Bridgewater Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Saint Louis Park, MN 55416
- Website
- bridgewaterbankmn.com
Price · as of 2024-12-31
$18.34
Market cap 507.45M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $48.97 | +167.01% |
| Intrinsic Value(DCF) | $16.32 | -11.01% |
| Graham-Dodd Method(GD) | $19.99 | +8.99% |
| Graham Formula(GF) | $22.05 | +20.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $12.86 | $30.74 | $52.40 | $7.54 | $21.07 |
| 2018 | $10.79 | $34.69 | $29.21 | $12.17 | $31.88 |
| 2019 | $11.85 | $38.76 | $27.03 | $13.60 | $31.82 |
| 2020 | $16.97 | $59.94 | $9.68 | $13.95 | $18.84 |
| 2021 | $17.09 | $54.83 | $17.49 | $20.96 | $30.72 |
| 2022 | $12.72 | $29.95 | $18.26 | $21.53 | $63.84 |
| 2023 | $11.71 | $66.17 | $36.13 | $20.19 | $58.36 |
| 2024 | $14.00 | $48.97 | $23.53 | $19.99 | $22.05 |
AI valuation
Our deep-learning model estimates Bridgewater Bancshares, Inc.'s (BWB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $48.97
- Current price
- $18.34
- AI upside
- +167.01%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$16.32
-11.01% upside
Graham-Dodd
$19.99
+8.99% upside
Graham Formula
$22.05
+20.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BWB | Bridgewater Bancshares, I… | $18.34 | 507.45M | +167% | -11% | +9% | +20% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| AROW | Arrow Financial Corporati… | $33.31 | 547.7M | -29% | -8% | -55% | +27% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| COFS | ChoiceOne Financial Servi… | $28.62 | 429.98M | +208% | +2,084% | +19% | +218% | 14.56 | 0.88 | 2.13 | 2.37 | — | 1.35 | 58.16% | 17.72% | 14.61% | 7.76% | 176.97% | 0.79% | 0.67 | 0.52 | 0.71 | 0.71 | 6.59 | -3815.00% | 3867.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.37 | — | 0.42 | 0.09 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| PGC | Peapack-Gladstone Financi… | $33.49 | 588.02M | +1% | -4% | +15% | -13% | 16.16 | 0.88 | 1.32 | 5.44 | — | 0.95 | 53.76% | 11.16% | 8.19% | 5.55% | 8.90% | 0.49% | 0.29 | 0.25 | 0.08 | 0.08 | -4.29 | -3173.00% | 780.00% | -568.00% | 11.82% | 0.01 | 16.99% | 0.66% | 10.70% | 110.74% | 6.01 | 4.28 | 0.67 | -0.77 |
| RRBI | Red River Bancshares, Inc… | $88.70 | 599.31M | +112% | +7% | -3% | +17% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Bridgewater Bancshares, Inc.
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.
- CEO
- Gerald John Baack
- Employees
- 292
- Beta
- 0.64
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($16.32 ÷ $18.34) − 1 = -11.01% (DCF, example).