BWB - NASDAQ
Bridgewater Bancshares, Inc.
$18.42
-2.8%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 SnapshotBridgewater Bancshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
Bridgewater Bancshares, Inc. Cash Flow Statement
BWB • NASDAQ
| Bridgewater Bancshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||
46.1M | 32.8M | 40M | 53.4M | 45.7M | 27.2M | 31.4M | 26.9M | 16.9M | 13.2M | |
0.0 | 3M | 3.1M | 3.3M | 2.6M | 1.4M | 1.2M | 952K | 885K | 690K | |
0.0 | 24K | 676K | -1.4M | -4.5M | -2.6M | -747K | -1.3M | -2.1M | -1.1M | |
0.0 | 3.9M | 4M | 3.3M | 2.4M | 1.7M | 752K | 799K | 368K | 222K | |
5M | 776K | -721K | 9.2M | 8.2M | 14.2M | 4.8M | 7.1M | 6.9M | 4.4M | |
(14.3M) | (5.8M) | (10.4M) | (20.6M) | (19.4M) | (10.7M) | (7.6M) | (7.9M) | (12.1M) | (10.1M) | |
-23.2M | 5.8M | -17M | 17.3M | -118K | -18.8M | 2.2M | -5M | 1.9M | -2.6M | |
27.8M | 46.4M | 30M | 85M | 54.2M | 23M | 39.5M | 29.4M | 24.9M | 14.9M | |
INVESTING ACTIVITIES | ||||||||||
-10.5M | -4.1M | -3M | -1.6M | -777K | -24.7M | -15.6M | -3.7M | -1.2M | -2.2M | |
(0.0) | (17.3M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (24.4M) | |
-206.1M | -245.2M | -113.6M | -268.3M | -109.9M | -170.5M | -98.8M | -78.4M | -68.5M | -173.3M | |
235.4M | 167.2M | 61.5M | 102.7M | 56.1M | 73.4M | 84M | 47.6M | 59.6M | 56.2M | |
-436.3M | -30.5M | -154.1M | -771M | -516.9M | -408.6M | -245.8M | -319.8M | -340.1M | -171.2M | |
-417.5M | -95.2M | -209.2M | -938.2M | -571.4M | -530.3M | -276.2M | -354.2M | -350.2M | -266.1M | |
FINANCING ACTIVITIES | ||||||||||
-252K | -5.9M | -5.1M | -11.5M | -2.7M | -10.4M | -15M | 58.9M | 0.0 | 25.9M | |
54.9M | 40M | 222.5M | 54.5M | -7.9M | -32.2M | 10.5M | 54M | 37.5M | 1.5M | |
-4.1M | -4.1M | -4.1M | -4.1M | -1.2M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-2.2M | -5.9M | -5.1M | -11.5M | -2.7M | -10.4M | -15M | (0.0) | (0.0) | -192K | |
232.9M | 120M | 7.4M | 757.9M | 445.3M | 678.6M | 244.6M | 216.7M | 295M | 226.8M | |
283.4M | 150.1M | 220.7M | 796.8M | 500M | 636.1M | 240.2M | 329.5M | 332.5M | 254.1M | |
CASH FLOW SUMMARY | ||||||||||
106.2M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-106.2M | 101.2M | 41.5M | -56.4M | -17.2M | 128.7M | 3.5M | 4.7M | 7.2M | 2.9M | |
229.8M | 128.6M | 87M | 143.5M | 160.7M | 31.9M | 28.4M | 23.7M | 16.5M | 13.6M | |
123.5M | 229.8M | 128.6M | 87M | 143.5M | 160.7M | 31.9M | 28.4M | 23.7M | 16.5M | |
22M | 42.3M | 27M | 83.4M | 53.5M | -1.7M | 24M | 25.7M | 23.7M | 12.7M |
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 | |
8-K 8-K 2026 N/A | May 01, 2026 | May 01, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | April 30, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 16, 2026 | April 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 27, 2026 | February 27, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 09, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 03, 2025 | November 03, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.