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BWB · Bridgewater Bancshares Inc

Track BWB — free
$21.47 -0.08 (-0.37%)
Market Cap
$600.90M
Shares
27.88M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$21.55 Open$21.43 Day$21.24–21.60 52W close$15.77–22.49 Avg vol 30d185K Short int613K · 2.2% float · 3.5d Short vol56% Last earningsJul 22, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 30

Up next

Next earnings call
Oct 21, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Jul 30, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Strong Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +14%
      above
      Price vs 50-day avg +2%
      above
      RSI (14) 52
      neutral
      MACD trend Positive
      52-week position 86%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +6%
      trailing
      6-month return +18%
      trailing
      YTD return +23%
      this year
      Relative strength +7%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $21 › 200d $19 — 50d above 200d
      Institutional flow Accumulating
      +6% holders QoQ · +20 funds added
      Insider flow Distributing
      Net -$6.0M over 90 days · 100% sells
      Short interest Rising
      2.20% of float · ▲ +4.2% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      149 holders — near 3-yr high, broad support
      Squeeze score 60
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +45%
      Y/Y
      Free cash flow $22.0M
      Valuation P/E 11.8
      below peers
      Buyback $12.4M
      remaining
      Balance sheet $109.8M
      net cash
      Quant / Vol
      risk profile
      Moderate
      Volatility 27%
      annualized · 1-yr
      Max drawdown −16%
      past year
      ATR 2.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Net interest margin · by the end of 2026 at least 3%
      Prior guidance period ended · from the Earnings Call filed Dec 31, 2024
      Loan growth · full year 2025 0.05% – 0.09%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Strong Buy
      0 · 3 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +14% Bullish
      Price vs 50-day avg
      +2% Bullish
      RSI (14)
      52 Neutral
      MACD trend
      Positive Bullish
      52-week position
      86% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $21 › 200d $19 — 50d above 200d
      Institutional flow Accumulating
      +6% holders QoQ · +20 funds added
      Insider flow Distributing
      Net -$6.0M over 90 days · 100% sells
      Short interest Rising
      2.20% of float · ▲ +4.2% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      149 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $16 Now $22 · 86% Range high $22
      vs 200-day avg +14% vs 50-day avg +2%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted Noninterest Expense to Average Assets non-GAAP 1.65% 2Q26
      Adjusted Pre-Provision Net Revenue non-GAAP 19M 2Q26
      Adjusted Pre-Provision Net Revenue Return on Average Assets non-GAAP 1.43% 2Q26
      Adjusted Return on Average Tangible Common Equity non-GAAP 11.15% 2Q26
      Allowance for Credit Losses to Total Loans 1.3% Q2 2026
      Common Equity Tier 1 Risk-Based Capital Ratio 9.61% Q2 2026
      Core Loan Yield non-GAAP 5.76% 2Q26
      Efficiency Ratio (on a fully tax-equivalent basis) non-GAAP 53% Q2 2026
      Full-time equivalent employees 355 June 30, 2026
      Net Charge-offs (recoveries) 409K 2Q26
      Net Interest Margin 3.07% Q2 2026
      Net Loan Charge-Offs to Average Loans 0.04% Q2 2026
      Nonperforming Assets 21.65M 2Q26
      Nonperforming Assets to Total Assets 0.4% Q2 2026
      Pre-Provision Net Revenue non-GAAP 19M 2Q26
      Yield on Loans 5.91% Q2 2026
      Adjusted net income non-GAAP $12.6M Q1 2026

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      BWB
      Bridgewater Bancshares Inc
      this stock
      $600.90M +22.9% 11.8 2.2%
      MFG
      Mizuho Financial Group Inc
      $123.19B +38.4% 0.1%
      HDB
      Hdfc Bank Ltd
      $118.97B -36.1% +15.2% 0.5%
      IBN
      Icici Bank Ltd
      $105.45B -0.4% 0.5%
      CIXPF
      CaixaBank/ADR
      $100.59B +18.7% 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      149
      % held
      64.9%
      Net QoQ
      +643.2K sh
      Top holder
      Thrivent Financial for Lu…
      Held Float
      View
      Held by Funds
      Fund positions
      192
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      613.4K
      Days to cover
      3.5d
      Change
      +24.6K sh
      View
      Short Volume
      Short vol %
      56%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      2.6K
      Value
      $57.1K
      As of
      Jul 7, 2026
      View
      Off-Exchange
      Off-exchange %
      38.9%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$6.0M
      Buyers / Sellers
      0 / 5
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $46.1M
      EPS diluted
      $1.49
      View
      Buybacks
      Authorized
      $40.0M
      Remaining
      $12.4M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 12, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $759.9K
      Shares
      35.0K
      Filed
      Aug 12, 2026
      View
      Exempt Offerings
      Offering
      $80.0M
      Filed
      Jul 9, 2025
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 22, 2026
      View
      Investor Relations
      Latest news
      Bridgewater Bancshares, Inc. Anno…
      Published
      Jul 21, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      BWB -3.1% +5.5% +17.9% +5.2% +22.9%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY -1.1% +2.2% +6.7% +3.1% +11.1%

      Capital returns

      Buyback program · as of Jun 30, 2026
      Authorized
      $40.00M
      Spent (derived)
      $27.60M
      Remaining
      $12.40M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1341317 CUSIP 108621103 13F (30d) 157 filings 136 filers Visit website Investor relations