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Bridgewater Bancshares Inc key statistics and ratios

In fiscal 2025, Bridgewater Bancshares Inc had return on equity of 9.5% and a net margin of 32.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin29.6%29.8%40.0%40.3%29.0%39.8%39.3%35.8%30.0%32.1%35.3%
Return on equity11.5%13.4%15.0%13.5%10.7%14.2%13.8%9.8%7.4%9.5%11.3%
Return on assets—1.0%1.5%1.5%1.0%1.4%1.4%0.9%0.7%0.9%1.1%
Effective tax rate37.9%37.5%16.3%18.1%23.8%25.8%25.5%23.9%23.2%23.2%22.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

79 /100

Strong moat

How hard Bridgewater Bancshares's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 14 / 20

    Net income has been a median 1.1% of total assets over 9 years.

  • Durability 20 / 20

    Net margin has been a median 34.9%; its worst year was 30.6%.

  • Discipline 17 / 20

    The diluted share count fell 1.5% over five years; stock-based pay has been a median 2.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (84 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BWB vs SFNCBWB vs CWBCBWB vs FSBC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Bridgewater Bancshares Inc's SEC filings (10-K and 10-Q), retrieved October 30, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Bridgewater Bancshares Inc.