Bridgewater Bancshares Inc. Common Stock (BWB)

FairStock Score: 73/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Bridgewater Bancshares first as a lender, not as a growth stock. The filed figures show net income of $11.5M in fiscal Q2 2025, $11.6M in fiscal Q3 2025, $46.1M for fiscal year 2025, $17.4M in fiscal Q1 2026, and $14.0M in fiscal Q2 2026, with diluted EPS of $0.38, $0.38, $1.49, $0.58 and $0.45 respectively. So earnings are positive and fiscal year 2025 improved sharply from fiscal year 2024's $32.8M, though fiscal year 2024 had fallen from fiscal year 2023's $40.0M. The latest quarter also slipped sequentially. That is not the smooth consistency Graham prized, but it is not distress. At the 2026-10-13 close of $20.37, FairStock calculates a P/E of 11.07, P/B of 1.18, ROE of 11.00%, PEG of 0.51, and a Piotroski F-Score of 3/9. A modest premium to book with an 11% return on equity is not obviously mispriced; the low PEG and FairStock score of 73/100 suggest the market is not paying much for growth. The beta of 0.63 and no dividend are secondary. The real question for a bank is credit and capital. The data do not give CET1, net interest margin, combined ratio, nonperforming loans, reserves, or provision coverage. Without those, I cannot judge underwriting quality or balance-sheet resilience. Bridgewater may be a steady, reasonably priced stalwart, but the thin disclosure and weak Piotroski score keep me cautious.

In plain English: Bridgewater Bancshares is a small regional bank that makes commercial and real estate loans. It has been profitable, and profit in the spring 2026 quarter was higher than the same quarter a year earlier, though it fell from the prior quarter. At $20.37, the price looks fair rather than a bargain: it is modestly above accounting book value and not expensive against recent profit, but there are no dividends and key bank safety numbers are missing.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer