BWB - NASDAQ

Bridgewater Bancshares, Inc.

BWB·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$513.61M

EPS1.5300

P/E Ratio12.04

Earnings Date07/22/2026

5.41B

Assets

3Y+24.0%

5Y+85.0%

10Y+329.0%

4.89B

Total Liabilities

3Y+24.0%

5Y+84.0%

10Y+327.0%

517.10M

Total Equity

13%

3Y+31.0%

5Y+95.0%

10Y+348.0%

Bridgewater Bancshares, Inc. Funding & Solvency Profile

BWB · NASDAQ

Current Assets

Cash & Cash Equivalents123.51M

Net Receivables18.93M

Inventory0.00

Other Current Assets-18.93M

Total Current Assets900 M

Non-Current Assets

Property, Plant & Equipment51.58M

Goodwill & Intangible Assets18.91M

Long-Term Investments4.65B

Other Non-Current Assets-4.65B

Total Non-Current Assets52 M

Total Assets

5.41B

Financial Health Analysis

Current Ratio

0.49x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.46x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-920085000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

17% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Bridgewater Bancshares, Inc. Balance Sheet

BWB • NASDAQ

Bridgewater Bancshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	123.5M	234.1M	128.6M	88.2M	145.3M	163.5M	34.6M	31.7M	26.8M	21.2M
Short-Term Investments	776.4M	385.7M	604.1M	548.6M	439.4M	390.6M	289.9M	253.4M	229.5M	217.1M
Cash & Short-Term Investments	900M	619.8M	732.7M	636.8M	584.7M	554.2M	324.5M	285.1M	256.3M	238.3M
Net Receivables	18.9M	62M	16.7M	13.5M	9.2M	9.2M	6.8M	6.6M	5.3M	4M
Accounts Receivables	18.9M	17.7M	16.7M	13.5M	9.2M	9.2M	6.8M	6.6M	5.3M	4M
Other Receivables	0.0	44.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-18.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	900M	681.8M	749.4M	650.3M	593.9M	563.3M	331.2M	291.7M	261.6M	242.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	51.6M	49.5M	48.9M	48.4M	49.4M	51M	27.6M	13.1M	10.1M	9.6M
Goodwill	12M	12M	2.6M	2.6M	2.6M	2.6M	2.6M	2.6M	2.6M	2.6M
Intangible Assets	6.9M	7.9M	188K	288K	479K	670K	861K	1.1M	1.2M	1.4M
Goodwill & Intangible Assets	18.9M	19.8M	2.8M	2.9M	3.1M	3.3M	3.5M	3.7M	3.9M	4.1M
Long-Term Investments	4.7B	4.1B	3.7B	3.5B	2.8B	2.3B	1.9B	1.6B	1.3B	985.1M
Other Non-Current Assets	-4.7B	167.3M	143.7M	131.8M	61.3M	27.3M	22.5M	24.9M	14.5M	19.4M
Total Non-Current Assets	70.5M	4.4B	3.9B	3.7B	2.9B	2.4B	1.9B	1.7B	1.4B	1B
Other Assets	4.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	5.4B	5.1B	4.6B	4.3B	3.5B	2.9B	2.3B	2B	1.6B	1.3B
LIABILITIES
CURRENT LIABILITIES
Total Payables	3.2M	4M	5.3M	2.8M	1.4M	1.6M	2M	1.8M	1.4M	612K
Accounts Payable	3.2M	4M	5.3M	2.8M	1.4M	1.6M	2M	1.8M	1.4M	612K
Short Term Debt	0.0	0.0	0.0	287M	0.0	0.0	0.0	18M	23M	44M
Other Current Liabilities	1.8B	4.1B	3.7B	3.4B	2.9B	2.5B	1.8B	1.6B	1.3B	1B
Total Current Liabilities	1.8B	4.1B	3.7B	3.7B	2.9B	2.5B	1.8B	1.6B	1.4B	1.1B
NON-CURRENT LIABILITIES
Long Term Debt	508.2M	452.9M	412.5M	189.7M	134.7M	142.2M	174.2M	163.6M	109.5M	72M
Other Non-Current Liabilities	2.6B	64.6M	58.7M	55.6M	16M	16.5M	24.5M	8.4M	6.2M	4.9M
Total Non-Current Liabilities	3.1B	517.5M	471.2M	245.2M	150.7M	158.7M	198.7M	172M	115.7M	76.9M
Total Liabilities	4.9B	4.6B	4.2B	4B	3.1B	2.7B	2B	1.8B	1.5B	1.1B
SHAREHOLDERS' EQUITY
Preferred Stock	66.5M	66.5M	66.5M	66.5M	66.5M	0.0	0.0	0.0	0.0	0.0
Common Stock	278K	276K	277K	278K	282K	281K	290K	301K	246K	245K
Additional Paid-In Capital	98.3M	95.1M	96.3M	96.5M	104.1M	103.7M	112.1M	126M	66.3M	65.8M
Retained Earnings	351.5M	309.4M	280.7M	248.7M	199.3M	154.8M	127.6M	96.2M	69.5M	52.6M
Accumulated Other Comprehensive Income/Loss	561K	-13.4M	-18.2M	-17.9M	9M	6.6M	4.8M	-1.6M	1.1M	-3.3M
Total Stockholders' Equity	517.1M	457.9M	425.5M	394.1M	379.3M	265.4M	244.8M	221M	137.2M	115.4M
Total Equity	517.1M	457.9M	425.5M	394.1M	379.3M	265.4M	244.8M	221M	137.2M	115.4M
SUMMARY
Total Liabilities & Equity	5.4B	5.1B	4.6B	4.3B	3.5B	2.9B	2.3B	2B	1.6B	1.3B
Total Investments	5B	4.5B	4.3B	4.1B	3.2B	2.7B	2.2B	1.9B	1.6B	1.2B
Total Debt	508.2M	452.9M	412.5M	476.7M	134.7M	142.2M	174.2M	181.6M	132.5M	116M
Net Debt	384.7M	218.8M	284M	388.4M	-10.6M	-21.3M	139.6M	149.9M	105.7M	94.8M
Shares Outstanding	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732	27,584,732

SEC Filings

BWB - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 01, 2026	May 01, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 30, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 16, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 27, 2026	February 27, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 09, 2026	February 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 03, 2025	November 03, 2025	2025	View Filing

Showing 1 to 10 of 136 filings

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