profit from every $100 of sales.
$0$100
Bridgewater Bancshares
$20.60+1.58% today
+23.8% in 1 year
1-year low $16.171-year high $22.49
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.52 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bridgewater Bancshares sold, what it kept, and what it did with the cash.
Sales went from $135 million in 2022 to $142 million in 2025, with $46.1 million of profit last year.
SalesProfit
Bridgewater Bancshares handed back 32% of the cash it generated last year.
Buybacks $3M$4M
Free cash flow 2025$22M
Bought back its own shares$3M
Paid as dividends$4M
Cash vs. debt$124M vs. $508M
Bridgewater Bancshares vs. similar companies
Bridgewater Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Bridgewater Bancshares | 12.5× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Bridgewater Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 135 | 110 | 108 | 142 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 53 | 40 | 33 | 46 | |
| 1.72 | 1.27 | 1.03 | 1.49 | |
| – | – | – | – | |
| – | – | – | – | |
| 39.4% | 36.4% | 30.5% | 32.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 4,346 | 4,612 | 5,066 | 5,407 |
| Cash | 88 | 129 | 234 | 124 |
| Total debt | 190 | 413 | 453 | 508 |
| Total liabilities | 3,952 | 4,186 | 4,608 | 4,890 |
| 394 | 426 | 458 | 517 | |
| 29 | 28 | 28 | 28 | |
| – | – | – | – | |
| 13.5% | 9.4% | 7.2% | 8.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 85 | 30 | 46 | 28 | |
| 2 | 3 | 4 | 6 | |
| 83 | 27 | 42 | 22 | |
| Dividends paid | 4 | 4 | 4 | 4 |
| 12 | 5 | 6 | 3 | |
| 3 | 4 | 4 | 4 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.5×
- 11.1×
- –
- 1.0×
- 4.1×
- 8.0%
- 0.0%
Profitability
- 32.5%
- 5.4%
- 5.6%
- 10.7%
- 1.0%
Growth
- +1.6%
- −4.7%
- –
- −0.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 42%of 843
Top 47%of 730
Top 41%of 866
Bottom 25%of 862
Bottom 38%of 921
What analysts expect
- Average price target
- $23.50
- Range
- $23.00 – $24.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.41 | 0.42 | −2.4% |
| Jan 27, 2026 | 0.44 | 0.42 | +4.8% |
| Oct 21, 2025 | 0.39 | 0.41 | −4.9% |
| Jul 23, 2025 | 0.37 | 0.35 | +5.7% |
| Apr 23, 2025 | 0.32 | 0.29 | +10.3% |
| Jan 30, 2025 | 0.27 | 0.24 | +12.5% |
| Oct 23, 2024 | 0.28 | 0.24 | +16.7% |
| Jul 24, 2024 | 0.26 | 0.24 | +8.3% |
News
Investment chief at hedge-fund firm Bridgewater becomes latest to say AI could wipe out humanityMarketWatch · Sep 11, 2026The newest story we have is from Sep 11, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
39No pass
Benjamin Graham
71Pass
Philip Fisher
45No pass
Peter Lynch
28No pass
Joel Greenblatt
18No pass
Charlie Munger
37No pass
Terry Smith
25No pass
Questions about Bridgewater Bancshares
Is Bridgewater Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bridgewater Bancshares AI analysis
What does Bridgewater Bancshares do?
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, small business entrepreneurs, and high net worth individuals in the United States. It is in Banks - Regional.
Does Bridgewater Bancshares pay a dividend?
Yes. In 2025 it paid out $4.05 million in dividends.
Is Bridgewater Bancshares stock halal?
No. Bridgewater Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bridgewater Bancshares stock done over the past year?
Up 23.8% over the past twelve months, to $20.60. It traded between $16.17 and $22.49 and is 8.4% below its high.
Who are Bridgewater Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bridgewater Bancshares's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.