# Bridgewater Bancshares Inc. (BWB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $20.32, market value $569 million.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 11.5×, 3-yr avg 11.8×). Bridgewater Bancshares Inc. trades at 10.4× trailing earnings, close to its own five-year average of 11.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.22**. A PEG of 0.22 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.9%** (5-yr avg 9.9%). Free cash flow equals 12.9% of the market value, above its five-year average of 9.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Return on equity: 8.9%**. 8.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 44.7%** (3-yr -4.7%/yr, 5-yr 9.9%/yr). Earnings per share rose 44.7%.
- **Free-cash-flow growth (3 yr): -35.9%/yr**. Free cash flow has compounded at -35.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend: none**. Bridgewater Bancshares Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (4 analysts). 4 analysts cover Bridgewater Bancshares Inc.; the consensus is strong_buy, with an average price target of $23.75 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 25.3%** (YTD 17.6%, 3-mo -0.7%). The shares are up 25.3% over twelve months including dividends.
- **From 52-week high: -10.2%** (26.5% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.51** (volatility 23%). Beta of 0.51 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BWB · Page: https://foliofundamentals.com/stocks/bwb

Not investment advice.