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Bridgewater Bancshares

BWB
64
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
64
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Mixed
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
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Winston Score History

The full picture

Bridgewater Bancshares is a regional bank headquartered in Minnesota that provides loans, deposits, and other banking services to businesses and real estate investors. Its core customers are commercial real estate owners, small and mid-sized businesses, and entrepreneurs in the Twin Cities metro area. The bank focuses almost entirely on commercial clients rather than everyday retail customers.

The company makes money primarily through net interest income — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. Bridgewater operates mainly in Minnesota, making it a smaller, geographically concentrated bank with roughly $5 billion in assets. Its competitive edge comes from deep local relationships and a focused niche in commercial real estate lending, but that concentration is also its main risk — a slowdown in the Twin Cities commercial real estate market or rising loan defaults could meaningfully hurt earnings.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
12.7%
no trend
Strong — 12.7% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.02%
no trend
Healthy — 3.02% net interest margin
Cost of running the bank
Efficiency Ratio
52.6%
no trend
Very lean — spends 52.6¢ to earn a dollar

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Growth

Sales growth
Sales YoY
-5.2%
Shrinking sales (-5.2% YoY)
Profit growth
EPS YoY
-31.7%
Earnings shrinking (-31.7% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
12.7%
no trend
Fortress balance sheet — 12.7% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.27%
no trend
Clean loan book — 0.27% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.05%
no trend
Minimal losses — 0.05% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.3x
no trend
Attractive valuation — P/E 11.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.0
GROWING
Earnings roughly flat

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Dividends

Not applicable for this business.
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