Bridgewater Bancshares (BWB) Stock Price, News & Analysis

Company Overview

Bridgewater Bancshares, Inc. is a bank holding company headquartered in Bridgewater, New Jersey, serving as the parent of Bridgewater Bank. Through its subsidiary, the company delivers a comprehensive suite of financial solutions to individuals, small businesses, and commercial clients across central and northern New Jersey. Its community banking approach emphasizes personalized service and local decision-making, underpinned by a commitment to fostering long-term customer relationships.

The company’s core business activities include retail banking and commercial lending. On the retail side, Bridgewater Bancshares offers a range of deposit products, including checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. For borrowers, the bank provides residential mortgages, home equity lines of credit, consumer installment loans, and commercial real estate financing. It also delivers cash management, treasury services, and online banking tools designed to help clients streamline account administration and payments.

Bridgewater Bancshares operates branches throughout Somerset County and maintains a full suite of digital banking capabilities, allowing customers to access account information, initiate transfers, and manage bill payments remotely. The company’s commercial banking division supports local enterprises with tailored lending solutions, equipment financing, and escrow services, while fostering economic development within its service areas.

Founded in 2002 by a group of regional entrepreneurs, Bridgewater Bancshares reorganized as a bank holding company in 2013 to facilitate strategic growth and regulatory flexibility. The leadership team is led by President and Chief Executive Officer Gregory R. Chapman, supported by seasoned professionals in lending, finance, and operations. The company remains committed to community engagement, transparent governance, and prudent risk management as it navigates evolving industry dynamics.

Key Stats

• Today's Range: $16.76 to $17.29
• 50-Day Range: $14.47 to $17.00
• 52-Week Range: $11.13 to $17.66
• Volume: 57,134 shs
• Average Volume: 68,342 shs
• Market Capitalization: $466.48 million
• P/E Ratio: 15.45
• Dividend Yield: N/A
• Price Target: $18.50
• Consensus Rating: Buy

Bridgewater Bancshares Stock Analysis - MarketRank™

Bridgewater Bancshares scored higher than 84% of companies evaluated by MarketBeat, and ranked 226th out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

Bridgewater Bancshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Bridgewater Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.70%

Earnings Growth

Earnings for Bridgewater Bancshares are expected to grow by 8.70% in the coming year, from $1.38 to $1.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bridgewater Bancshares is 15.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bridgewater Bancshares is 15.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Bridgewater Bancshares has a P/B Ratio of 1.20. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.84% of the float of Bridgewater Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Bridgewater Bancshares has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bridgewater Bancshares has recently increased by 9.45%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Bridgewater Bancshares does not currently pay a dividend.

Dividend Growth

Bridgewater Bancshares does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.38

Percentage of Shares Shorted

0.84% of the float of Bridgewater Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Bridgewater Bancshares has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bridgewater Bancshares has recently increased by 9.45%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: -0.41

News Sentiment

Bridgewater Bancshares has a news sentiment score of -0.41. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Bridgewater Bancshares this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for BWB on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

2 people have added Bridgewater Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 5.0 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Bridgewater Bancshares insiders have sold 2,385.37% more of their company's stock than they have bought. Specifically, they have bought $3,562.00 in company stock and sold $88,529.00 in company stock.

Percentage Held by Insiders

23.27% of the stock of Bridgewater Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

65.83% of the stock of Bridgewater Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BWB Stock Analysis - Frequently Asked Questions

How have BWB shares performed this year?

Bridgewater Bancshares' stock was trading at $13.51 at the start of the year. Since then, BWB shares have increased by 25.8% and is now trading at $17.00.

How were Bridgewater Bancshares' earnings last quarter?

Bridgewater Bancshares, Inc. (NASDAQ:BWB) posted its quarterly earnings data on Wednesday, April, 23rd. The company reported $0.32 EPS for the quarter, topping the consensus estimate of $0.29 by $0.03. The business earned $32.29 million during the quarter, compared to the consensus estimate of $29.88 million. Bridgewater Bancshares had a net margin of 13.27% and a trailing twelve-month return on equity of 9.13%.
Read the conference call transcript.

When did Bridgewater Bancshares IPO?

Bridgewater Bancshares (BWB) raised $77 million in an initial public offering (IPO) on Wednesday, March 14th 2018. The company issued 6,700,000 shares at $10.50-$12.50 per share. Sandler O'Neill & Partners and D.A. Davidson acted as the underwriters for the IPO.

How do I buy shares of Bridgewater Bancshares?

Shares of BWB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Bridgewater Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Bridgewater Bancshares investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), The RMR Group (RMR), TotalEnergies (TTE) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 4/23/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BWB
• CIK: 1341317
• Web: www.bridgewaterbankmn.com
• Phone: (952) 893-6868
• Fax: N/A
• Employees: 250
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $18.50
• High Stock Price Target: $19.00
• Low Stock Price Target: $18.00
• Potential Upside/Downside: +8.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.10
• Trailing P/E Ratio: 15.45
• Forward P/E Ratio: 12.32
• P/E Growth: N/A
• Net Income: $32.83 million
• Net Margins: 13.27%
• Pretax Margin: 17.31%
• Return on Equity: 9.13%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: 1.07
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $253.27 million
• Price / Sales: 1.84
• Cash Flow: $1.28 per share
• Price / Cash Flow: 13.23
• Book Value: $14.20 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 27,440,000
• Free Float: 21,055,000
• Market Cap: $466.48 million
• Optionable: Optionable
• Beta: 0.54