# Bridgewater Bancshares share price today (Bridgewater Bancshares, Inc., BWB)

> Bridgewater Bancshares, Inc.'s earnings have grown faster than its share price. Earnings per share grew +44.7% in a year while the price moved +24.6%. BWB · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/bwb

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $20.74 (+24.6% in a year)
- P/BV: 1.2× (higher than 65% of the last 5.3 years)
- Revenue (Sep 2026): $40.5 M (+15.5% on a year ago)
- Profit (Sep 2026): $14.0 M (+32.4% on a year ago)
- Net margin: 34.6% (+4.4 points on a year ago)
- ROE: 12%, FY25
- ROA: 1.09%, latest

Biggest thing to watch: the P/BV is higher than 65% of its own history, so the multiple has already done part of the work. ## What is the Bridgewater Bancshares share price today? Bridgewater Bancshares, Inc.'s share price was $20.74 at the close on 4 November 2026. It has been rising for 33 weeks. That is 5.0% above its average price over the last 200 trading days. In the last 52 weeks it traded between $17 and $22, and at that close it sat 73% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 8.6 years the share price moved +61% while the S&P 500 moved +167%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Bridgewater Bancshares pay? Bridgewater Bancshares, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Bridgewater Bancshares on? Bridgewater Bancshares is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Bridgewater Bancshares profitable? Bridgewater Bancshares, Inc. earned $14.0 M of net profit in the Sep 2026 quarter, +32.4% on the same quarter a year earlier. That is the 7th quarter in a row of profit growth. Full-year FY25 profit was $42.0 M. Over 4 years profit has grown −1.4% a year on average. That is 34.6% of the quarter's revenue. The same quarter a year earlier earned $10.6 M. For the full year, FY25 profit was $42.0 M (+46.1% on the year before). Why profit moved: revenue changed +15.5% on a year earlier and the margin moved +4.4 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +54.4% and revenue +29.2%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Bridgewater Bancshares make, and is it growing? Bridgewater Bancshares, Inc. reported $40.5 M of income in the Sep 2026 quarter, +15.5% on the same quarter a year earlier. That is the 8th quarter in a row with growth on the year before. Over 4 years it has grown 5.9% a year on average. The last full year, FY25, came in at $137 M. The last four reported quarters add to $163 M. FY25 revenue was $137 M, +29.5% on the year before. Recent pace: the last four quarters grew +29.2% on average, against 5.9% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +28.3%, against +24.3% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +51.0%, against +37.6% a year (accelerating). ## How much does Bridgewater Bancshares keep from what it earns? Bridgewater Bancshares, Inc.'s net margin was 34.6% in the Sep 2026 quarter, 4.4 percentage points higher than the same quarter a year ago. Across 5 years it has been between 27.1% and 40.8%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Bridgewater Bancshares' loans have gone bad? Bridgewater Bancshares, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Bridgewater Bancshares' loan book growing? Bridgewater Bancshares, Inc.'s revenue was $137 M in FY25, +29.5% on the year before, so the loan book is growing. The latest quarter was +15.5% on a year earlier. The net margin on that income is 34.6%, +4.4 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Bridgewater Bancshares' P/BV ratio, and how does it compare with its own history? Bridgewater Bancshares, Inc.'s P/BV is 1.2×, in the middle of its own history: higher than 65% of past readings. Its usual P/BV (the middle reading) is 1.1×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 12% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +24.6%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +2.1% a year; about +6.1% a year came from book-value growth and about −4.0 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Bridgewater Bancshares business getting better or worse? Bridgewater Bancshares, Inc.'s business is giving mixed signals. There is no clear direction across the growth lines, with ROE steady at 10.3%; each line tells part of the story. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Bridgewater Bancshares earn on its equity and assets? Bridgewater Bancshares, Inc. earned a return on equity of 8% in FY25. Its lowest yearly reading on file was 6% in FY24. On its assets, every $100 earned about $1.09, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew −1.4% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Bridgewater Bancshares have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Bridgewater Bancshares shareholding pattern? 3.1% of Bridgewater Bancshares, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 6.9 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Bridgewater Bancshares from balance-sheet trouble? For Bridgewater Bancshares, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Bridgewater Bancshares rank in its industry? There is no score against its industry: Bridgewater Bancshares, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Bridgewater Bancshares compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Bridgewater Bancshares in size? Bridgewater Bancshares is the 201st largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Civista Bancshares, Inc., Kearny Financial Corp. and Southern First Bancshares, Inc. Just below it: Bankwell Financial Group, Inc., Bank7 Corp. and ChoiceOne Financial Services, Inc. ### Banks - Regional companies close in size

1. [Civista Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/civb) $597 million
2. [Kearny Financial Corp.](https://www.sectoralpha.in/us/stocks/krny) $589 million
3. [Southern First Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/sfst) $583 million
4. Bridgewater Bancshares, Inc. $581 million
5. [Bankwell Financial Group, Inc.](https://www.sectoralpha.in/us/stocks/bwfg) $569 million
6. [Bank7 Corp.](https://www.sectoralpha.in/us/stocks/bsvn) $568 million
7. [ChoiceOne Financial Services, Inc.](https://www.sectoralpha.in/us/stocks/cofs) $561 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [BlueLinx Holdings Inc.](https://www.sectoralpha.in/us/stocks/bxc) $586 million · Industrial Distribution
2. [Southern First Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/sfst) $583 million · Banks - Regional
3. Bridgewater Bancshares, Inc. $581 million
4. [Energy Vault Holdings, Inc.](https://www.sectoralpha.in/us/stocks/nrgv) $578 million · Utilities - Renewable
5. [Myriad Genetics, Inc.](https://www.sectoralpha.in/us/stocks/mygn) $576 million · Diagnostics & Research

## What else do people ask about Bridgewater Bancshares? ### What were Bridgewater Bancshares's latest quarterly results? Bridgewater Bancshares, Inc. reported total income of $40.5 M and net profit of $14.0 M for the Sep 2026 quarter. Income rose 15.5% and profit rose 32.4% compared with a year earlier. Earnings per share were $0.49. The net margin was 34.6%, 4.4 percentage points higher than a year earlier (as of 4 November 2026). ### What is Bridgewater Bancshares's market cap? Bridgewater Bancshares, Inc.'s market capitalisation is $581 M at a stock price of $20.74. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Bridgewater Bancshares performing? Bridgewater Bancshares, Inc.'s share price has been rising for 33 weeks. In its latest quarter, income rose 15.5% and profit rose 32.4% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 4 November 2026). ### Will Bridgewater Bancshares's stock price go up? This page does not forecast Bridgewater Bancshares, Inc.'s stock price. What it shows instead: the stock price is $20.74, and it has been rising for 33 weeks. Its P/BV of 1.2× is higher than 65% of its own last 5 years (as of 4 November 2026). ### Where is Bridgewater Bancshares in its business cycle? Bridgewater Bancshares, Inc.'s FY25 net margin was 30.6%, against a 5-year range of 27.1% to 40.8%: the middle of its own range, neither a peak nor a low. The latest quarter was 34.6%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Bridgewater Bancshares story? Biggest thing to watch: the P/BV is higher than 65% of its own history, so the multiple has already done part of the work. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Bridgewater Bancshares a stock worth studying right now? What the numbers show: Bridgewater Bancshares, Inc.'s earnings have grown faster than its share price. Earnings per share grew +44.7% in a year while the price moved +24.6%. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.