• Twitter
• Facebook
• Snapchat
• Pinterest
• LinkedIn
• Tumblr

---

Fundamental analysis: Bridgewater Bancshares, Inc. (BWB)

Awarener score: 7.2

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 7.5

• Business has been growing at a good pace. It's been encouraging in relation to peer companies.
• Bridgewater Bancshares, Inc. business trend stability is very good. The higher the stability, the lower the risk. It looks slightly worse than rivals.

Margins score: 8.0

• BWB profit margins -on goods and services sold- are usually very poor. They stand top-notch against rival companies.
• Business profit on sales tends to be hardly sufficient. It's great when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually huge. They remain impressive in relation to peers.
• Earnings -before income taxes and interests on loans taken- tend to be huge in relation to total revenues. They're still top-notch against similar companies.
• Profits -before income taxes- are usually huge considering total sales, and remain top tier when measured against rivals.
• Total net profit tends to be huge when confronted to sales. Company stands top tier when measured against comparable firms.

Growth score: 7.7

• Bridgewater Bancshares, Inc. profit -on goods and services sold- has been growing at an extremely fast pace. It's been excellent in relation to competitors.
• There is not sufficient data to estimate the operating income margin trend, which has been therefore unknown against comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a good pace, which compares great when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a good tempo. It turns to be excellent in relation to similar stocks.
• In past years, profits -before income taxes- grew at a very good speed. It was better than most rivals.
• In the previous years, growth trend on total net profit has been good, and great when measured against peer companies.
• Earnings per share have grown at a good rhythm in past years. It's been excellent in relation to industry peers.

Miscellaneous score: 6.0

• BWB had to pay sparse income taxes in relation to profits made in the past years. It's been slightly better than peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 7.2

• Bridgewater Bancshares, Inc. usually gets sufficient returns on the resources it controls. It proves top tier when measured against peer firms.
• The company normally gets excellent proceeds -on the resources directly invested in the business-. They remain excellent in relation to similar companies.
• There's usually abundant profitability -in relation to owned resources-. It ranks great when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's top tier when measured against comparable enterprises.

Usage of Funds score: 4.9

• BWB on average doesn't generate genuine funds, so to buy or replace property, plants and equipment must either burn existing cash or increase debt. It stands top tier when measured against rival firms.
• The company is usually heavily investing in new property, plant, and equipment, to expand its operating capabilities, which is top tier when measured against industry peers.
• In the past twelve months it paid somewhat low dividends, considering the current stock price. It came worse than most competitors.
• Has recently started or restarted paying dividends to stockholders. Business prospects are most likely good. The company has behaved impressive in relation to similar firms.
• The company generates very few genuine funds. Dividend payments are usually on borrowed money, which isn't sustainable in the long run. Unless business prospects improve greatly, future payments could be at risk. Sustainability looks bottom tier against comparable companies.
• The company usually neither enlarges nor reduces the pool of investors, resulting in approximately the same mouths feeding on the pie of profits. It remains a slight improvement compared to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands lacking compared to rivals.
• The company generates very few genuine funds. Investor rewards must be paid burning existing cash or by borrowing money, which isn't sustainable in the long run. Unless business prospects improve greatly, stockholder compensation could be at risk. It still looks last-in-rank when measured against competitors.

Balance Sheet score: 7.1

• Bridgewater Bancshares, Inc. intangible assets (like brands and goodwill) represent a non-significant portion of resources controlled, according to accounting books, which is safer. It happens to be encouraging in relation to peer companies.
• The company has plenty short-term resources to face short-term obligations. There're no liquidity concerns. It turns to be in good shape compared to similar firms.
• Very few resources controlled were provided for with financial debt. Financial strength is very solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains slightly worse than rival firms.
• Controlled resources might be only very slowly turned into cash and equivalents, which is riskier. It looks similar to rivals.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and short-term receivables. It's in good shape compared to peer firms.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and equivalents, which is better than most similar enterprises.
• Usually, sales are on a month and a half credit. It still ranks below average when measured against peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been good when measured against loans taken. Cutting back reinvesting in the business, it could take less than three years to repay the obligations with current profitability. It ranks encouraging in relation to comparable enterprises.
• Revenues are somewhat low in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. The more property, plant, and equipment used, the more the company must reinvest to fight obsolescence, which usually means less available funds for the shareholders in the long run. It looks in a weak position compared to similar firms.
• Resources exploitation is virtually zero, as the firm hardly reports any sales. It's still bottom tier against peer companies.

Valuation score: 7.6

• Bridgewater Bancshares, Inc. has an unknown adjusted Price-to-Earnings ratio, so we cannot comment on that. It happens to be a necessary comparison against competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains excellent in relation to peers.
• There is insufficient information on the genuine funds generation capability showed in the past twelve months, which stands as an incognita in relation to similar companies.
• Unfortunately, lack of enough yearly data impaired our ability to estimate the normal earnings power. It's still an unknown variable to measure against industry firms.
• In the past twelve months, the company has barely rewarded investors, considering both dividends and share on the pie of earnings. It came up lacking compared to peer ventures.
• We are unsure on the relationship between net financial position and market capitalization of the stock. It looks we will not be able to reach a conclusion regarding similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation looks very cheap. Possible reasons are that the market might be betting current earnings will be hard to sustain through time, or that the company has very high fund needs, or a weak financial position, among others. If that isn't the case, the current stock price might be very attractive. It ranks top tier when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a high relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks close to average when compared to rival firms.
• The stock price is at or below the accounting book value. Unless profitability is really low, the stock may be selling a t a discount. Pay attention to the other key indicators for hints. The company remains well ranked against peer firms.
• We could not gauge an alternative metric of earnings power of the past twelve months. It happens to be an interesting metric to relate to industry peers.
• An alternate metric on the usual genuine-funds generation ability could not be provided. It's still unknown against peer companies.

Total score: 7.0

---

Awarener score: 7.2

Conclusion

Support us!

We are an independent project. No ads, no suscription, no registration required.

• Donate!