What is Bridgewater Bancshares, Inc.'s earnings per share (EPS)?

Bridgewater Bancshares, Inc. (BWBBP) reported diluted earnings per share of $1.49 for fiscal year 2025. This represents a 44.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bridgewater Bancshares (BWBBP) Financials

BWBBP NASDAQ

Trailing 12 months to June 30, 2026

Revenue $162.1M +29.7% YoY

Net Income $56.3M +48.2% YoY

EPS (Diluted) $1.84 +50.8% YoY

Free Cash Flow $36.5M +8.2% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BWBBP SEC filings page.

Bridgewater Bancshares, Inc. (BWBBP) reported $162.1M in revenue over the twelve months to Jun 30, 2026, up 29.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BWBBP FY2025 2026-10-25

FY2025 earnings recovered, but cash generation weakened, revealing a liability-funded bank whose reported profit did not translate cleanly into cash.

In FY2025, net income rose 40.4% while operating cash flow fell 40.0%, so the earnings rebound was not matched by cash realization. Free cash flow fell 48.1% as capital expenditures rose 43.3%, making reinvestment a larger drain on internally generated funds.

Revenue reached $143M and net income reached $46.1M in FY2025, restoring earnings scale. Net margin improved 2.2 percentage points to 32.1%, showing that profitability improved alongside volume rather than merely tracking it; the reported lines do not isolate whether mix or costs drove the change.

Assets expanded to $5.41B while liabilities remained 90.4% of assets, so the bank continues to operate with a heavily liability-funded balance sheet. Equity grew 12.9% versus liabilities' 6.1% increase, modestly strengthening the capital cushion even as cash conversion weakened.

Financial Health Signals

Financial Health Score 60/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bridgewater Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Bridgewater Bancshares, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Bridgewater Bancshares, Inc. scores 43/100 among other banks.

Growth

Bridgewater Bancshares, Inc. reported revenue of $143.4M in fiscal year 2025, against $109.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bridgewater Bancshares, Inc. scores 69/100 among other banks.

Capital

Bridgewater Bancshares, Inc. funded 9.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $517.1M of equity against $5.4B of assets. Capital ranks banks on that cushion, and Bridgewater Bancshares, Inc. scores 27/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bridgewater Bancshares, Inc. scores 81/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Bridgewater Bancshares, Inc. scores 68/100 on it among other banks.

Stability

Bridgewater Bancshares, Inc. reported net income of $46.1M in fiscal year 2025, against $32.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bridgewater Bancshares, Inc. scores 72/100 among other banks.

Piotroski F-Score Partial

4/6

Bridgewater Bancshares, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$40.9M

YoY+13.3%

QoQ-11.5%

5Y CAGR+8.0%

Bridgewater Bancshares, Inc. generated $40.9M in revenue in Q2 2026. This represents an increase of 13.3% from the same quarter a year earlier. Against the prior quarter it is down 11.5%.

Net Income

$14.0M

YoY+21.6%

QoQ-19.5%

5Y CAGR+5.0%

Bridgewater Bancshares, Inc. reported $14.0M in net income in Q2 2026. This represents an increase of 21.6% from the same quarter a year earlier. Against the prior quarter it is down 19.5%.

EPS (Diluted)

$0.45

YoY+18.4%

QoQ-22.4%

5Y CAGR+3.4%

Bridgewater Bancshares, Inc. earned $0.45 per diluted share (EPS) in Q2 2026. This represents an increase of 18.4% from the same quarter a year earlier. Against the prior quarter it is down 22.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$9.3M

YoY+287.4%

QoQ-34.2%

5Y CAGR+8.8%

Bridgewater Bancshares, Inc. generated $9.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 287.4% from the same quarter a year earlier. Against the prior quarter it is down 34.2%.

Cash & Debt

$169.8M

YoY-21.9%

QoQ-23.6%

5Y CAGR+13.0%

Bridgewater Bancshares, Inc. held $169.8M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Shares Outstanding

28M

YoY+1.5%

QoQ0.0%

5Y CAGR-0.2%

Bridgewater Bancshares, Inc. had 28M shares outstanding in Q2 2026. This represents an increase of 1.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

34.3%

YoY+2.3pp

QoQ-3.4pp

5Y change-5.1pp

Bridgewater Bancshares, Inc.'s net profit margin was 34.3% in Q2 2026, showing the share of revenue converted to profit. This is up 2.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.4 percentage points.

Return on Equity

2.6%

YoY+0.1pp

QoQ-0.7pp

5Y change-1.2pp

Bridgewater Bancshares, Inc.'s quarterly ROE was 2.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$638K

YoY-45.3%

QoQ-65.1%

5Y CAGR+3.9%

Bridgewater Bancshares, Inc. invested $638K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 45.3% from the same quarter a year earlier. Against the prior quarter it is down 65.1%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

BWBBP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BWBBP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Revenue	$162.1M	$143.4M+30.8%	$109.6M-1.9%	$111.7M-17.9%	$136.0M+18.5%	$114.8M+22.4%	$93.8M+20.3%	$78.0M+15.9%	$67.3M+18.6%	$56.7M+26.9%	$44.7M
Interest Expense	$144.6M	$149.4M+4.0%	$143.7M+22.6%	$117.2M+244.7%	$34.0M+75.5%	$19.4M-27.9%	$26.9M-9.4%	$29.6M+44.7%	$20.5M+68.3%	$12.2M+43.0%	$8.5M
Income Tax	$17.2M	$13.9M+40.7%	$9.9M-21.1%	$12.6M-31.4%	$18.3M+15.3%	$15.9M+87.5%	$8.5M+22.4%	$6.9M+32.5%	$5.2M-48.5%	$10.1M+26.0%	$8.1M
Net Income	$56.3M	$46.1M+40.4%	$32.8M-17.9%	$40.0M-25.2%	$53.4M+16.9%	$45.7M+68.0%	$27.2M-13.4%	$31.4M+16.7%	$26.9M+59.4%	$16.9M+27.8%	$13.2M
EPS (Basic)	N/A	$1.53+45.7%	$1.05-18.6%	$1.29-27.5%	$1.78+11.9%	$1.59+67.4%	$0.95-11.2%	$1.07+15.1%	$0.93+34.8%	$0.69+16.9%	$0.59
EPS (Diluted)	$1.84	$1.49+44.7%	$1.03-18.9%	$1.27-26.2%	$1.72+11.7%	$1.54+65.6%	$0.93-11.4%	$1.05+15.4%	$0.91+33.8%	$0.68+17.2%	$0.58
Diluted Shares (Avg)	N/A	28M+0.8%	28M-1.3%	28M-1.2%	29M-1.0%	29M-0.7%	29M-2.8%	30M+1.9%	29M+17.7%	25M+10.5%	23M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$40.9M+13.3%	$46.2M+43.1%	$38.8M+31.6%	$36.2M+33.3%	$36.1M+34.8%	$32.3M+23.3%	$29.5M+10.4%	$27.1M-0.1%
Interest Expense	$34.1M-7.2%	$33.3M-6.1%	$37.6M+3.5%	$39.5M+5.6%	$36.7M+2.4%	$35.5M+4.3%	$36.4M+9.4%	$37.4M+19.2%
Income Tax	$4.4M+22.7%	$5.4M+80.1%	$3.8M+65.1%	$3.5M+30.1%	$3.6M+44.4%	$3.0M+25.2%	$2.3M-2.2%	$2.7M-6.8%
Net Income	$14.0M+21.6%	$17.4M+80.7%	$13.3M+62.5%	$11.6M+33.7%	$11.5M+42.0%	$9.6M+23.0%	$8.2M-7.5%	$8.7M-9.9%
EPS (Basic)	$0.47+23.7%	$0.59+90.3%	$0.45+73.1%	$0.38+35.7%	$0.38+46.2%	$0.31+24.0%	$0.26-7.1%	$0.28-9.7%
EPS (Diluted)	$0.45+18.4%	$0.58+87.1%	$0.43+65.4%	$0.38+40.7%	$0.38+46.2%	$0.31+29.2%	$0.26-7.1%	$0.27-10.0%
Diluted Shares (Avg)	29M+2.1%	28M+1.6%	N/A	28M+1.0%	28M+0.9%	28M-0.2%	N/A	28M-1.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

BWBBP Balance Sheet

BWBBP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Total Assets	$5.4B+6.7%	$5.1B+9.8%	$4.6B+6.1%	$4.3B+25.0%	$3.5B+18.8%	$2.9B+29.0%	$2.3B+15.0%	$2.0B+22.1%	$1.6B	N/A
Cash & Equivalents	$123.5M-46.2%	$229.8M+78.7%	$128.6M+47.7%	$87.0M-39.3%	$143.5M-10.7%	$160.7M+403.1%	$31.9M+12.3%	$28.4M+19.9%	$23.7M+43.8%	$16.5M
Goodwill	$12.0M0.0%	$12.0M+356.3%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M	N/A
Total Liabilities	$4.9B+6.1%	$4.6B+10.1%	$4.2B+5.9%	$4.0B+27.5%	$3.1B+16.4%	$2.7B+31.5%	$2.0B+15.5%	$1.8B+18.5%	$1.5B	N/A
Long-Term Debt	N/A	$13.8M0.0%	$13.8M0.0%	$13.8M	N/A	$11.0M-15.4%	$13.0M-13.3%	$15.0M-11.8%	$17.0M	N/A
Total Equity	$517.1M+12.9%	$457.9M+7.6%	$425.5M+8.0%	$394.1M+3.9%	$379.3M+42.9%	$265.4M+8.4%	$244.8M+10.8%	$221.0M+61.1%	$137.2M+18.9%	$115.4M
Retained Earnings	$351.5M+13.6%	$309.4M+10.3%	$280.6M+12.9%	$248.7M+24.7%	$199.3M+28.8%	$154.8M+21.3%	$127.6M+32.6%	$96.2M+38.5%	$69.5M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.4B+1.8%	$5.3B+3.9%	$5.4B+6.7%	$5.4B+14.2%	$5.3B+13.0%	$5.1B+8.8%	$5.1B+9.8%	$4.7B+3.0%
Cash & Equivalents	$169.8M-21.9%	$222.2M+33.7%	$123.5M-46.2%	$131.8M-31.3%	$217.5M+62.2%	$166.2M+15.9%	$229.8M+78.7%	$191.9M+54.3%
Goodwill	$12.0M0.0%	$12.0M0.0%	$12.0M0.0%	$12.0M+356.3%	$12.0M+356.3%	$12.0M+356.3%	$12.0M+356.3%	$2.6M0.0%
Total Liabilities	$4.8B+0.4%	$4.8B+3.0%	$4.9B+6.1%	$4.9B+14.7%	$4.8B+13.5%	$4.7B+8.8%	$4.6B+10.1%	$4.2B+2.4%
Long-Term Debt	N/A	N/A	N/A	N/A	$13.8M0.0%	$13.8M0.0%	$13.8M0.0%	$13.8M0.0%
Total Equity	$547.9M+15.0%	$528.4M+12.7%	$517.1M+12.9%	$497.5M+10.0%	$476.3M+8.4%	$469.0M+8.2%	$457.9M+7.6%	$452.2M+8.7%
Retained Earnings	$380.8M+15.9%	$367.8M+15.7%	$351.5M+13.6%	$339.1M+12.2%	$328.5M+11.5%	$318.0M+10.6%	$309.4M+10.3%	$302.2M+10.8%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

BWBBP Cash Flow Statement

BWBBP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Operating Cash Flow	$43.1M	$27.8M-40.0%	$46.4M+54.5%	$30.0M-64.7%	$85.0M+56.7%	$54.2M+135.6%	$23.0M-41.8%	$39.5M+34.4%	$29.4M+18.1%	$24.9M+66.8%	$14.9M
Depreciation & Amortization	N/A	$2.5M+4.2%	$2.4M-5.6%	$2.5M-2.2%	$2.6M+8.3%	$2.4M+96.4%	$1.2M+19.6%	$1.0M+32.5%	$761K+9.7%	$694K+18.4%	$586K
Stock-Based Compensation	N/A	$4.2M+7.5%	$3.9M-1.2%	$4.0M+18.4%	$3.3M+37.7%	$2.4M+45.4%	$1.7M+121.8%	$752K-5.9%	$799K+117.1%	$368K+65.8%	$222K
Capital Expenditures	$6.6M	$5.8M+43.3%	$4.1M+37.4%	$3.0M+81.9%	$1.6M+110.2%	$777K-96.9%	$24.7M+58.5%	$15.6M+318.6%	$3.7M+201.2%	$1.2M-43.6%	$2.2M
Free Cash Flow	$36.5M	$22.0M-48.1%	$42.3M+56.4%	$27.0M-67.6%	$83.4M+55.9%	$53.5Mn/m	-$1.7M-107.0%	$24.0M-6.7%	$25.7M+8.5%	$23.7M+85.8%	$12.7M
Investing Cash Flow	-$104.8M	-$417.5Mn/m	-$95.2Mn/m	-$209.2Mn/m	-$938.2Mn/m	-$571.4Mn/m	-$530.3Mn/m	-$276.2Mn/m	-$354.2Mn/m	-$350.2Mn/m	-$266.1M
Financing Cash Flow	$14.0M	$283.4M+88.9%	$150.1M-32.0%	$220.7M-72.3%	$796.8M+59.4%	$500.0M-21.4%	$636.1M+164.8%	$240.2M-27.1%	$329.5M-0.9%	$332.5M+30.9%	$254.1M
Share Buybacks	N/A	$2.2M-57.8%	$5.2M+14.4%	$4.5M-57.9%	$10.8M+368.4%	$2.3M-77.7%	$10.3M-30.9%	$15.0M	N/A	N/A	$192K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$10.0M+178.8%	$16.0M+124.6%	$7.0M-79.8%	$10.1Mn/m	$3.6M-66.3%	$7.1M-0.9%	$34.6Mn/m	-$6.0M-138.0%
Depreciation & Amortization	$692K+10.0%	$618K-1.4%	$587K-2.3%	$625K+6.1%	$629K+7.5%	$627K+5.7%	$601K-1.2%	$589K-4.7%
Stock-Based Compensation	N/A	$1.3M+28.8%	N/A	N/A	N/A	$986K-4.4%	N/A	N/A
Capital Expenditures	$638K-45.3%	$1.8M+240.7%	$2.5M-25.7%	$1.6M+245.0%	$1.2M+520.2%	$536K+8833.3%	$3.4M+1769.9%	$464K+94.1%
Free Cash Flow	$9.3M+287.4%	$14.2M+115.1%	$4.4M-85.8%	$8.5Mn/m	$2.4M-76.9%	$6.6M-8.3%	$31.2Mn/m	-$6.5M-141.5%
Investing Cash Flow	-$92.1Mn/m	$162.0Mn/m	-$36.9Mn/m	-$137.8M-322.0%	-$108.0M-895.9%	-$134.8Mn/m	-$87.0Mn/m	$62.1Mn/m
Financing Cash Flow	$29.8M-80.8%	-$79.4M-223.8%	$21.6M-76.1%	$42.0M+2387.8%	$155.7Mn/m	$64.1M-29.9%	$90.3M+68.6%	$1.7Mn/m
Share Buybacks	N/A	N/A	$0-100.0%	$0n/m	$1.6M-45.9%	$621K-72.7%	$17K	$0

Not reported in any period shown, so not listed: Dividends Paid.

BWBBP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BWBBP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Net Margin	32.1%+2.2pp	30.0%-5.8pp	35.8%-3.5pp	39.3%-0.5pp	39.8%+10.8pp	29.0%-11.3pp	40.3%+0.3pp	40.0%+10.2pp	29.8%+0.2pp	29.6%
Return on Equity	8.9%+1.7pp	7.2%-2.2pp	9.4%-4.2pp	13.6%+1.5pp	12.0%+1.8pp	10.3%-2.6pp	12.8%+0.6pp	12.2%-0.1pp	12.3%+0.9pp	11.5%
Return on Assets	0.9%+0.2pp	0.7%-0.2pp	0.9%-0.4pp	1.2%-0.1pp	1.3%+0.4pp	0.9%-0.5pp	1.4%0.0pp	1.4%+0.3pp	1.0%	N/A
Debt-to-Equity	N/A	0.030.0x	0.030.0x	0.03	N/A	0.040.0x	0.050.0x	0.07-0.1x	0.12	N/A
Liabilities-to-Equity	9.46-0.6x	10.06+0.2x	9.84-0.2x	10.03+1.9x	8.17-1.9x	10.03+1.8x	8.27+0.3x	7.93-2.9x	10.79	N/A
Asset Turnover	0.030.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.04	N/A
FCF Margin	15.3%-23.3pp	38.6%+14.4pp	24.2%-37.1pp	61.3%+14.7pp	46.6%+48.3pp	-1.8%-32.5pp	30.7%-7.4pp	38.2%-3.6pp	41.7%+13.2pp	28.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.3%+2.3pp	37.7%+7.8pp	34.3%+6.5pp	32.1%+0.1pp	31.9%+1.6pp	29.8%-0.1pp	27.8%-5.4pp	32.0%-3.5pp
Return on Equity	2.6%+0.1pp	3.3%+1.2pp	2.6%+0.8pp	2.3%+0.4pp	2.4%+0.6pp	2.1%+0.2pp	1.8%-0.3pp	1.9%-0.4pp
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	N/A	N/A	N/A	N/A	0.030.0x	0.030.0x	0.030.0x	0.030.0x
Liabilities-to-Equity	8.84-1.3x	9.10-0.9x	9.46-0.6x	9.77+0.4x	10.12+0.5x	9.95+0.1x	10.06+0.2x	9.37-0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	22.8%+16.1pp	30.7%+10.3pp	11.4%	23.6%+47.4pp	6.7%-32.2pp	20.4%-7.0pp	105.6%	-23.8%-81.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bridgewater Bancshares, Inc. BWBBP	FY2025	$143.4M	$46.1M	32.1%	N/A	60/100
Huntington Bancshares Incorporated HBANL	FY2025	$8.2B	$2.2B	27.1%	N/A	53/100
Huntington Bancshares Incorporated HBANM	FY2025	$8.2B	$2.2B	27.1%	N/A	53/100
MainStreet Bancshares, Inc. MNSBP	FY2025	$135.6M	$15.6M	11.5%	N/A	49/100

Where Bridgewater Bancshares, Inc. Ranks

Frequently Asked Questions

What is Bridgewater Bancshares, Inc.'s annual revenue?

Bridgewater Bancshares, Inc. (BWBBP) reported $143.4M in total revenue for fiscal year 2025. This represents a 30.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bridgewater Bancshares, Inc.'s revenue growing?

Bridgewater Bancshares, Inc. (BWBBP) revenue grew by 30.8% year-over-year, from $109.6M to $143.4M in fiscal year 2025.

Is Bridgewater Bancshares, Inc. profitable?

Yes, Bridgewater Bancshares, Inc. (BWBBP) reported a net income of $56.3M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $46.1M, with a net profit margin of 32.1%.

What is Bridgewater Bancshares, Inc.'s net profit margin?

Bridgewater Bancshares, Inc. (BWBBP) had a net profit margin of 32.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Bridgewater Bancshares, Inc.'s return on equity (ROE)?

Bridgewater Bancshares, Inc. (BWBBP) has a return on equity of 8.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bridgewater Bancshares, Inc.'s free cash flow?

Bridgewater Bancshares, Inc. (BWBBP) generated $22.0M in free cash flow during fiscal year 2025. This represents a -48.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bridgewater Bancshares, Inc.'s operating cash flow?

Bridgewater Bancshares, Inc. (BWBBP) generated $27.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bridgewater Bancshares, Inc.'s total assets?

Bridgewater Bancshares, Inc. (BWBBP) had $5.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bridgewater Bancshares, Inc.'s capital expenditures?

Bridgewater Bancshares, Inc. (BWBBP) invested $5.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Bridgewater Bancshares, Inc. buy back shares?

Yes, Bridgewater Bancshares, Inc. (BWBBP) spent $2.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bridgewater Bancshares, Inc. have outstanding?

Bridgewater Bancshares, Inc. (BWBBP) had 28M shares outstanding as of fiscal year 2025.

What is Bridgewater Bancshares, Inc.'s liabilities-to-equity ratio?

Bridgewater Bancshares, Inc. (BWBBP) had a liabilities-to-equity ratio of 9.46 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Bridgewater Bancshares, Inc.'s return on assets (ROA)?

Bridgewater Bancshares, Inc. (BWBBP) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bridgewater Bancshares, Inc.'s Piotroski F-Score?

Bridgewater Bancshares, Inc. (BWBBP) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Bridgewater Bancshares, Inc.?

Bridgewater Bancshares, Inc. (BWBBP) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.