Bridgewater Bancshares Inc
BWB Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$20.58
KIRA · Stoqly’s AI analyst, in plain words
- Bridgewater Bancshares Inc had $143M of revenue in fiscal 2025, up 30.8% on the year before. Over five years, revenue changed +8.9% a year on average.
- Bridgewater Bancshares Inc made $46.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.1% a year.
- Bridgewater Bancshares Inc returned $2.2M to shareholders in fiscal 2025, 10% of free cash flow. The diluted share count rose 0.8%.
- It earned 9.5% on shareholders’ money. Running costs took 53.9% of revenue (the efficiency ratio; lower is better).
Market cap
$588M
P/E
11.2x
Revenue
$143M
Net income
$46.1M
Return on equity
9.5%
Efficiency ratio
53.9%
Bridgewater Bancshares Inc in 30 seconds · fiscal 2025
Are sales growing?
+30.8%
Yes. Sales grew 30.8% last year.
Does it make a profit?
32.2%
Yes. It keeps 32.2% of every sale as profit.
How lean are its costs?
53.9%
Lean. Running costs take 53.9% of revenue.
How much does it earn on its capital?
9.5%
Fair. It earns 9.5% a year on shareholders’ money.
How is the share priced?
11.2x
One share costs 11.2 times its yearly profit per share.
What Bridgewater Bancshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Bridgewater Bancshares Inc
- CIK
- 0001341317
Bridgewater Bancshares Inc · BWB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $115M | $136M | $112M | $110M | $143M |
| Revenue growth | 22.4% | 18.5% | −17.9% | −1.9% | 30.8% |
| Net interest income | $110M | $130M | $105M | $102M | $132M |
| Net income | $45.7M | $53.4M | $40.0M | $32.8M | $46.1M |
| Net margin | 39.8% | 39.3% | 35.8% | 30.0% | 32.2% |
| Diluted EPS | $1.54 | $1.72 | $1.27 | $1.03 | $1.49 |
| Cash | |||||
| Cash from operations | $54.2M | $85.0M | $30.0M | $46.4M | $27.8M |
| Capital expenditure | $0.8M | $1.6M | $3.0M | $4.1M | $5.8M |
| Free cash flow | $53.5M | $83.4M | $27.0M | $42.3M | $22.0M |
| FCF margin | 46.6% | 61.3% | 24.2% | 38.6% | 15.3% |
| Share buybacks | $2.3M | $10.8M | $4.5M | $5.2M | $2.2M |
| Share count change | −0.7% | −1.0% | −1.2% | −1.3% | 0.8% |
| Debt and strength | |||||
| Cash and short-term investments | $143M | $87.0M | $129M | $230M | $124M |
| Loans, net | $2.8B | $3.5B | $3.7B | $3.8B | $4.2B |
| Deposits | $2.9B | $3.4B | $3.7B | $4.1B | $4.3B |
| Shareholders' equity | $379M | $394M | $426M | $458M | $517M |
| Returns and quality | |||||
| Return on equity | 14.2% | 13.8% | 9.8% | 7.4% | 9.5% |
| Return on tangible equity | 11.8% | 12.6% | 8.5% | 6.6% | 8.4% |
| Efficiency ratio | 41.9% | 41.6% | 53.1% | 57.8% | 53.9% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$10.8M
11 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bridgewater Bancshares Inc · BWB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $20.58 a share, the company is worth $588M: 11.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001341317). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.