Bridgewater Bancshares, Inc.

Bridgewater Bancshares, Inc.

BWBยทNASDAQ

$18.42

-2.8%
Financial ServicesBanks - Regional

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. The company offers savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It also provides commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance accounts receivable or inventory, capital assets, or other business-related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. It operates through seven full-service offices located in Bloomington, Greenwood, Minneapolis, St. Louis Park, Orono, and St. Paul, Minnesota. The company was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.

At a Glance

Live Snapshot
Market Cap$513.61M
EPS1.5300
P/E Ratio12.04
Earnings Date07/22/2026
Bridgewater Bancshares, Inc.

Bridgewater Bancshares, Inc. Fair Value Envelope

BWB ยท NASDAQ

Our analysis suggests that BWB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $18.42, this represents a potential HIDDEN relative to our calculated worth for Bridgewater Bancshares, Inc..

Intrinsic Value
Current Price: $18.42

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$25.0M
+ Cash & Equivalents$123.5M
Firm Value$148.5M
- Debt$508.2M
Equity Value-$359.7M
/ Shares Outstanding27,584,732B
DCF Value-$13
OVERVALUED BY 171%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$14.4M
$7.5M
$3.9M
$2.0M
$1.1M
$545.5K
$283.3K
$147.1K
$76.4K
$39.7K
Maintenance CapEx
-$607.3K
-$315.4K
-$163.8K
-$85.1K
-$44.2K
-$22.9K
-$11.9K
-$6.2K
-$3.2K
-$1.7K
Owner Earnings
$13.8M
$7.2M
$3.7M
$1.9M
$1.0M
$522.6K
$271.4K
$140.9K
$73.2K
$38.0K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$12.8M
$6.2M
$3.0M
$1.4M
$684.9K
$329.3K
$158.4K
$76.1K
$36.6K
$17.6K
Terminal Value represents 1.2% of Enterprise Value