Bridgewater Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Bridgewater Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 85% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +5% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+5% / +24%In 3 years sales changed by +5% while total assets changed by +24%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 85% of Financial Services companies in United States.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 81% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Bridgewater Bancshares, Inc. owes $0.90 for every $1 it owns. Net profit rose 40% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.6Investors pay $10.6 for every $1 of Bridgewater Bancshares, Inc.'s yearly profit, lower than 74% of Financial Services companies in United States.
P/B ratio
1.05The share price is 1.05 times Bridgewater Bancshares, Inc.'s book value per share, lower than 68% of Financial Services companies in United States.
Market cap
$576 MThe total market value of all of Bridgewater Bancshares, Inc.'s shares at today's price (share price × number of shares), smaller than 55% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$548 MWhat Bridgewater Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.65Net worth divided by the number of shares. The share price of $20.67 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
11.5%Bridgewater Bancshares, Inc. earned 11.5% on its shareholders' money over the last year, higher than 57% of Financial Services companies in United States.
Owes vs Owns
0.90×Bridgewater Bancshares, Inc. owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneBridgewater Bancshares, Inc. does not currently pay a dividend.
Revenue growth
+32%Revenue rose 32% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit growth
+40%Net profit rose 40% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Profit margin
32.5%Bridgewater Bancshares, Inc. keeps $32 of every $100 of revenue as net profit.
Questions
What is Bridgewater Bancshares, Inc.'s P/E ratio?
Investors pay $10.6 for every $1 of Bridgewater Bancshares, Inc.'s yearly profit, lower than 74% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Bridgewater Bancshares, Inc.: $576 M ÷ $548 M (30 Jun 2026) = 1.1.
What is Bridgewater Bancshares, Inc.'s return on equity?
Bridgewater Bancshares, Inc. earned 11.5% on its shareholders' money over the last year, higher than 57% of Financial Services companies in United States.
How much does Bridgewater Bancshares, Inc. owe compared with what it owns?
Bridgewater Bancshares, Inc. owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Bridgewater Bancshares, Inc. pay a dividend?
No. Bridgewater Bancshares, Inc. does not currently pay a dividend.
Is Bridgewater Bancshares, Inc.'s revenue growing?
Revenue rose 32% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.