📊 BWBBP Key Takeaways
Investment Thesis
Bridgewater Bancshares demonstrates strong revenue growth of 112.8% YoY and solid net income expansion of 9.6%, with respectable profitability margins of 16.4% net and 21.3% operating. However, weak interest coverage of 1.8x and modest ROA of 0.9% raise concerns about operational efficiency and earnings quality relative to the balance sheet size, suggesting growth may be from acquisitions rather than organic improvement.
BWBBP Strengths
- Exceptional revenue growth of 112.8% year-over-year
- Healthy net profit margin of 16.4% and operating margin of 21.3%
- Strong equity position with $517.1M stockholders equity and zero long-term debt
- Positive free cash flow of $22.0M with 7.8% FCF margin
BWBBP Risks
- Weak interest coverage ratio of 1.8x indicates limited cushion for earnings volatility in banking sector
- Low ROA of 0.9% suggests inefficient asset utilization across $5.4B balance sheet
- Revenue growth of 112.8% significantly outpaces net income growth of 9.6%, indicating margin compression or acquisition dilution
- Modest ROE of 8.9% below banking sector averages
Key Metrics to Watch
- Interest coverage ratio trend and debt service capacity
- Return on assets improvement and asset quality metrics
- Sustainability of revenue growth and organic vs. inorganic growth breakdown
- Net interest margin and loan portfolio performance
BWBBP Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BWBBP Profitability Ratios
BWBBP vs Finance Sector
How Bridgewater Bancshares Inc compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BWBBP Balance Sheet & Liquidity
BWBBP 5-Year Financial Trend
5-Year Trend Summary: Bridgewater Bancshares Inc's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.27 reflects profitable operations.
BWBBP Growth Metrics (YoY)
BWBBP Capital Allocation
BWBBP SEC Filings
Access official SEC EDGAR filings for Bridgewater Bancshares Inc (CIK: 0001341317)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BWBBP
What is the AI rating for BWBBP?
Bridgewater Bancshares Inc (BWBBP) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BWBBP's key strengths?
Exceptional revenue growth of 112.8% year-over-year. Healthy net profit margin of 16.4% and operating margin of 21.3%.
What are the risks of investing in BWBBP?
Weak interest coverage ratio of 1.8x indicates limited cushion for earnings volatility in banking sector. Low ROA of 0.9% suggests inefficient asset utilization across $5.4B balance sheet.
What is BWBBP's revenue and growth?
Bridgewater Bancshares Inc reported revenue of $281.8M.
Does BWBBP pay dividends?
Bridgewater Bancshares Inc does not currently pay dividends.
Where can I find BWBBP SEC filings?
Official SEC filings for Bridgewater Bancshares Inc (CIK: 0001341317) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BWBBP's EPS?
Bridgewater Bancshares Inc has a diluted EPS of $1.49.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.