Market cap
$594 Mln
Revenue (TTM)
$255 Mln
P/E Ratio
11.6
P/B Ratio
1.2
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -69.65 | -66.75 | -5.23 | 7.78 | 15.25 |
| EBIT | -200.00 | -250.89 | -32.16 | -20.29 | -5.74 |
| Net Profit | -19.53 | 21.59 | 48.16 | 4.27 | 10.75 |
| EPS | -19.53 | 19.65 | 45.96 | 4.32 | 11.22 |
| Book Value | -- | -- | 10.57 | 9.32 | 14.41 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 20.41 | 29.89 | 13.20 | 21.08 | 17.00 |
| Net Margin
| -- | -- | 22.07 | -- | -- |
| Return on equity
| 8.88 | 10.92 | 10.58 | 9.45 | 7.43 |
| Return on Capital
| 4.40 | 6.16 | -- | 4.76 | 3.75 |
| Return on Assets
| 0.82 | 1.05 | 0.93 | 0.88 | 0.68 |
| Debt to Equity (x)
| -- | -- | 0.26 | 0.98 | 0.99 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
4.76
|
3.75
|
4.68
|
7.71
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
10.58
Higher than Peers by 0.72
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
10.58
|
9.45
|
7.43
|
9.75
|
13.81
|
|
Peer Median
|
9.87
|
--
|
--
|
--
|
--
|
ROA
0.93
Lower than Peers by 0.03
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.93
|
0.88
|
0.68
|
0.89
|
1.36
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
13.20
Lower than Peers by 7.60
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
13.20
|
21.08
|
17.00
|
23.14
|
42.35
|
|
Peer Median
|
20.79
|
--
|
--
|
--
|
--
|
Net Margin
22.07
Higher than Peers by 2.04
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
22.07
|
15.80
|
13.05
|
17.61
|
31.53
|
|
Peer Median
|
20.03
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-5.23
Lower than Peers by 16.34
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
-5.23
|
0.16
|
0.11
|
0.34
|
0.26
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-32.16
Lower than Peers by 20.66
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
-32.16
|
43.86
|
-18.63
|
-26.76
|
16.46
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
48.16
Higher than Peers by 40.89
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
48.16
|
40.41
|
-17.86
|
-25.16
|
16.86
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
45.96
Higher than Peers by 40.17
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
45.96
|
0.37
|
-0.17
|
-0.24
|
0.19
|
|
Peer Median
|
5.78
|
--
|
--
|
--
|
--
|
Book Value Growth
13.21
Higher than Peers by 4.44
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
13.21
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.77
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.26
Higher than Peers by 0.05
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.26
|
0.98
|
0.99
|
0.97
|
1.21
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
--
|
0.03
|
0.55
|
0.73
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.18
Lower than Peers by 0.12
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.18
|
0.11
|
0.17
|
0.20
|
0.18
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.18
Lower than Peers by 0.17
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.18
|
--
|
--
|
0.17
|
0.20
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.51
Lower than Peers by 0.24
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
1.51
|
0.41
|
0.30
|
0.45
|
2.11
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
6.64
Lower than Peers by 0.26
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
6.64
|
6.49
|
24.66
|
7.36
|
7.96
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
0.04
|
0.06
|
0.05
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
50.68
|
57.16
|
24.28
|
24.44
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
--
|
277.52
|
15.86
|
-1,122.27
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
8.58
|
11.52
|
12.66
|
18.57
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
--
|
323.15
|
27.48
|
-1,116.40
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
11.59
Lower than Peers by 1.20
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
11.59
|
10.90
|
11.55
|
9.55
|
9.48
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.24
Lower than Peers by 0.09
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
1.24
|
0.97
|
0.83
|
0.90
|
1.28
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
--
--
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
--
|
8.67
|
4.64
|
1.11
|
4.61
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
594
Higher than Peers by 281
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Bridgewater Bancshares (BWB)
|
594
|
--
|
--
|
--
|
--
|
|
Peer Median
|
314
|
--
|
--
|
--
|
--
|