BWB
Financial ServicesBridgewater Bancshares, Inc. · Banks - Regional · $520M
What is Bridgewater Bancshares, Inc.?
Bridgewater Bancshares is a Minnesota-based bank holding company serving commercial real estate investors, small business owners, and high net worth individuals through its subsidiary, Bridgewater Bank.
Bridgewater Bank generates revenue primarily through lending and deposit-gathering. It extends commercial real estate loans, construction loans, multifamily products, and small business financing, while funding those loans through savings accounts, money market accounts, certificates of deposit, and demand deposits. The bank also offers online, mobile, and direct banking services to its client base.
Incorporated in 2005 and headquartered in Saint Louis Park, Minnesota, Bridgewater Bank operates seven full-service offices across the Twin Cities metro area.
- Commercial real estate and construction loans
- Small business and commercial lending
- Deposit products including savings, money market, and CDs
- Online and mobile banking services
Is BWB a Good Stock to Buy?
UQS Score rates BWB as Below Average overall, reflecting meaningful weaknesses across several key dimensions.
Valuation stands out as the most favorable pillar, rated Attractive — suggesting the market may not be pricing in a premium for this stock. Quality and Growth both register as Neutral, indicating neither a clear drag nor a standout advantage in those areas.
Both the Moat and Risk pillars are rated Weak, pointing to limited competitive differentiation and elevated vulnerability to credit or macro headwinds in its lending-focused business.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BWB pay dividends?
No — Bridgewater Bancshares, Inc. does not currently pay a dividend.
Bridgewater Bancshares does not currently pay a dividend. For a growth-oriented community bank, retaining earnings to fund loan book expansion and capital requirements is a common approach. Investors seeking income from this sector may want to compare BWB against dividend-paying regional bank peers.
When does BWB report earnings?
Bridgewater Bancshares reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
As a community bank concentrated in commercial real estate and small business lending, quarterly results tend to reflect changes in net interest margin, credit quality, and loan growth. Investors should monitor deposit costs and loan loss provisions as key drivers of reported performance.
For the most recent quarter's results and guidance, visit Bridgewater Bancshares' investor relations page directly.
BWB Price History
+7.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Bridgewater Bancshares, Inc.?
Based on Bridgewater Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BWB Long-term Outlook
With Growth rated Neutral and Risk rated Weak, BWB's near-term trajectory appears modest. The bank's concentration in commercial real estate lending exposes it to credit cycle risk, particularly if interest rates remain elevated or property valuations soften. The Attractive Valuation label suggests limited downside priced in, but weak moat characteristics temper the long-term growth case.
Growth drivers
- Continued loan book expansion in the Twin Cities commercial real estate market
- Potential net interest margin improvement if deposit costs stabilize
- Growth in small business and multifamily lending segments
Key risks
- Elevated credit risk tied to commercial real estate concentration
- Limited competitive moat in a crowded regional banking market
- Sensitivity to interest rate movements affecting net interest income
BWB vs Peers
Bridgewater Bancshares competes with other small-cap community and regional banks, several of which share similar lending-focused business models.
Capital Bancorp operates primarily in the Mid-Atlantic region and has a notable presence in consumer credit card lending alongside its community banking operations.
Farmers National Banc serves rural and suburban Ohio markets and has historically maintained a dividend, appealing to income-focused investors in the community bank space.
Carter Bankshares focuses on Virginia and North Carolina markets and has been working to reposition its loan portfolio away from legacy credit concentrations.
Frequently Asked Questions
What does Bridgewater Bancshares do?
Bridgewater Bancshares is the holding company for Bridgewater Bank, a Minnesota-based community bank. It provides commercial real estate loans, small business financing, multifamily lending, and deposit products to investors, entrepreneurs, and high net worth individuals across the Twin Cities metro area.
Does BWB pay dividends?
No, Bridgewater Bancshares does not currently pay a dividend. The company retains earnings to support its lending operations and capital base, which is common for growth-oriented community banks. Investors seeking dividend income may want to explore other regional bank options.
When does BWB report earnings?
Bridgewater Bancshares follows a standard quarterly earnings cadence for US-listed companies. Specific release dates are not covered by our data source — check the company's investor relations page for the most current schedule and recent results.
Is BWB a good stock to buy?
UQS Score rates BWB as Below Average, driven by Weak scores in both Moat and Risk. The Valuation pillar is Attractive, which may interest value-oriented investors, but the overall profile suggests meaningful risks. The full pillar breakdown is available to UQS Pro members.
Is BWB overvalued?
Based on the UQS Valuation pillar, BWB is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. However, an attractive price alone does not offset weaknesses in moat and risk — context across all five pillars matters.
How does BWB compare to its competitors?
BWB operates in a competitive small-cap community banking space alongside peers like Capital Bancorp, Farmers National Banc, and Carter Bankshares. Each serves distinct regional markets with varying loan mix strategies. UQS Pro members can view side-by-side pillar comparisons for a deeper competitive read.
What is BWB's market cap bracket?
Bridgewater Bancshares is classified as a small-cap stock. This places it in a segment of the market that can offer growth potential but typically carries higher volatility and lower liquidity than large- or mega-cap financial institutions.
Who founded Bridgewater Bancshares?
Bridgewater Bancshares was incorporated in 2005. Founding and leadership history is publicly available through the company's official disclosures and investor relations materials for those seeking detailed background.
Is BWB a long-term quality investment?
As a long-term quality indicator, BWB's Below Average UQS Score — with Weak Moat and Risk ratings — suggests limited structural advantages for sustained compounding. The Neutral Quality and Growth ratings indicate the business is functional but not differentiated. Long-term investors should weigh these factors carefully.
What is the main competitive advantage of Bridgewater Bancshares?
Bridgewater Bank's focus on commercial real estate investors and high net worth individuals in the Twin Cities gives it a degree of local market specialization. However, the UQS Moat pillar rates this advantage as Weak, indicating limited structural differentiation versus broader regional and national banking competitors.
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Pro Analysis
BWB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 47.7 | 63.5 | 17.0 | 54.3 | 24.8 | 86.9 | -0.1 |
| May 19, 2026 | 47.8 | 63.5 | 17.0 | 54.3 | 24.8 | 87.1 | 0.0 |
| May 16, 2026 | 47.8 | 63.5 | 17.0 | 54.3 | 24.8 | 87.4 | 0.0 |
| May 13, 2026 | 47.8 | 63.5 | 17.0 | 54.3 | 24.8 | 87.0 | 0.0 |
| May 12, 2026 | 47.8 | 63.5 | 17.0 | 54.3 | 24.8 | 87.2 | +0.1 |
| May 11, 2026 | 47.7 | 63.5 | 17.0 | 54.3 | 24.8 | 86.7 | -0.9 |
| May 10, 2026 | 48.6 | 63.5 | 17.0 | 54.3 | 24.8 | 92.9 | -0.1 |
| May 8, 2026 | 48.7 | 63.5 | 17.0 | 54.3 | 24.8 | 93.2 | +0.2 |
| May 4, 2026 | 48.5 | 63.7 | 17.0 | 54.3 | 29.0 | 87.3 | +0.4 |
| May 3, 2026 | 48.1 | 64.8 | 17.0 | 54.3 | 24.8 | 87.3 | -0.1 |
BWB — Pillar Breakdown
Quality
— 63.5/100 (25%)Bridgewater Bancshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 54.3/100 (20%)Bridgewater Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 24.8/100 (15%)Bridgewater Bancshares, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.4/100 (15%)Bridgewater Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 17/100 (25%)Bridgewater Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BWB.
Score Composition
Financial Data
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How is the BWB UQS Score Calculated?
The UQS (Unified Quality Score) for Bridgewater Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Bridgewater Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Bridgewater Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.