Bridgewater Bancshares, Inc. (BWB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$21.85+1.44%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BWB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on relationship-based growth strategy, expanding loan portfolio and deposits, and leveraging market disruption to gain share.
Stated as a priority in 3 of last 3 quarters. Gross loans grew from $4.37B in 2026-Q1 to $4.43B in 2026-Q2 (+$58.3M), and total deposits increased from $4.31B to $4.35B (+$40.7M). Net income declined from $17.4M to $14.0M over the same period. Management consistently emphasizes growth and market share gains, with loan and deposit growth delivering on this priority despite some earnings volatility.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We remain focused on executing our relationship-based growth strategy and are continuing to proactively add top talent.”
“Our teams continue to work hard to build, strengthen, and service relationships with clients, instrumental in gaining market share.”
“Focused on driving profitable growth, gaining market share, and leveraging technology investments for future growth.”
Continue to invest in technology to support scalable growth and enhance client experience.
Stated in 2 of last 3 quarters. Management highlights technology investments as key to future growth. No direct financial metrics quantify technology impact, but ongoing emphasis suggests continued commitment. Trajectory is persistent focus with limited direct financial proof in current data.
“Focused on leveraging technology investments to support future growth.”
“Focused on driving profitable growth, gaining market share, and continuing to leverage technology investments.”
Invest in hiring and retaining key personnel to enable growth and maintain service quality.
Stated in 2 of last 3 quarters. Employee count rose from 337 in 2026-Q1 to 355 in 2026-Q2, reflecting active hiring. Management emphasizes talent acquisition as critical to growth and service. The trajectory shows delivering on talent expansion commitments.
“Continuing to proactively add top talent across our production and support teams.”
“Hiring of key talent across the organization amidst continued M&A disruption.”
Sustain conservative credit culture with low loan charge-offs and nonperforming assets.
Stated in 3 of last 3 quarters. Net loan charge-offs remained low at 0.05% in 2026-Q1 and improved to 0.04% in 2026-Q2. However, nonperforming assets rose from 0.22% to 0.40% of total assets in the same period. Management emphasizes disciplined underwriting and strong asset quality, with mixed trajectory due to rising NPAs despite low charge-offs.
“Maintained disciplined credit underwriting approach and strong asset quality profile.”
“Strong asset quality with annualized net loan charge-offs of 0.05%.”
“Consistent underwriting standards and active credit oversight.”
Build capital ratios and tangible book value per share while managing capital allocation prudently.
Stated in 3 of last 3 quarters. Tangible book value per share rose from $15.93 in 2026-Q1 to $16.61 in 2026-Q2, a 17.1% annualized increase. Common Equity Tier 1 capital ratio improved slightly from 9.53% to 9.61%. Management consistently highlights capital growth and shareholder value enhancement, with financials showing delivering trajectory.
“Tangible book value per share of $16.61 at June 30, 2026, up 17.1% annualized from 2026-Q1.”
“Tangible book value per share of $15.93 at March 31, 2026, up 9.9% annualized from 2025-Q4.”
“Common Equity Tier 1 Risk-Based Capital Ratio of 9.03% at 2025-Q4.”
Over the trailing year it converted 0.51x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
17 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.