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Stocks · Financials · State Commercial Banks

Bridgewater Bancshares Inc

BWB Clue Score41
United States Fiscal year ends December CIK 0001341317
$20.25 -0.64% Close, 9 Oct 2026
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Price $20.25 +14.08% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 14 Mar 2018. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income13.2EPS, diluted0.58Fiscal year 2017Net income16.9 +27.8%EPS, diluted0.68 +17.2%Fiscal year 2018Net income26.9 +59.4%EPS, diluted0.91 +33.8%Fiscal year 2019Net income31.4 +16.7%EPS, diluted1.05 +15.4%Fiscal year 2020Net income27.2 −13.4%EPS, diluted0.93 −11.4%Fiscal year 2021Net income45.7 +68.0%EPS, diluted1.54 +65.6%Fiscal year 2022Net income53.4 +16.9%EPS, diluted1.72 +11.7%Fiscal year 2023Net income40.0 −25.2%EPS, diluted1.27 −26.2%Fiscal year 2024Net income32.8 −17.9%EPS, diluted1.03 −18.9%Fiscal year 2025Net income46.1 +40.4%EPS, diluted1.49 +44.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 13.2 16.9 26.9 31.4 27.2 45.7 53.4 40.0 32.8 46.1
Growth +27.8% +59.4% +16.7% −13.4% +68.0% +16.9% −25.2% −17.9% +40.4%
EPS, diluted 0.58 0.68 0.91 1.05 0.93 1.54 1.72 1.27 1.03 1.49
Growth +17.2% +33.8% +15.4% −11.4% +65.6% +11.7% −26.2% −18.9% +44.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow14.9Capital expenditure−2.2Free cash flow12.7Buybacks−0.2Fiscal year 2017Operating cash flow24.9Capital expenditure−1.2Free cash flow23.7 +85.8%Fiscal year 2018Operating cash flow29.4Capital expenditure−3.7Free cash flow25.7 +8.5%Fiscal year 2019Operating cash flow39.5Capital expenditure−15.6Free cash flow24.0 −6.7%Buybacks−15.0Fiscal year 2020Operating cash flow23.0Capital expenditure−24.7Free cash flow−1.7 −107.0%Buybacks−10.3Fiscal year 2021Operating cash flow54.2Capital expenditure−0.8Free cash flow53.5Buybacks−2.3Fiscal year 2022Operating cash flow85.0Capital expenditure−1.6Free cash flow83.4 +55.9%Buybacks−10.8Fiscal year 2023Operating cash flow30.0Capital expenditure−3.0Free cash flow27.0 −67.6%Buybacks−4.5Fiscal year 2024Operating cash flow46.4Capital expenditure−4.1Free cash flow42.3 +56.4%Buybacks−5.2Fiscal year 2025Operating cash flow27.8Capital expenditure−5.8Free cash flow22.0 −48.1%Buybacks−2.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 14.9 24.9 29.4 39.5 23.0 54.2 85.0 30.0 46.4 27.8
Capital expenditure −2.2 −1.2 −3.7 −15.6 −24.7 −0.8 −1.6 −3.0 −4.1 −5.8
Free cash flow 12.7 23.7 25.7 24.0 −1.7 53.5 83.4 27.0 42.3 22.0
Growth +85.8% +8.5% −6.7% −107.0% +55.9% −67.6% +56.4% −48.1%
Buybacks −0.2 n/a n/a −15.0 −10.3 −2.3 −10.8 −4.5 −5.2 −2.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash16.5Shareholders’ equity115.4Fiscal year 2017Cash23.7Shareholders’ equity137.2Fiscal year 2018Cash28.4Shareholders’ equity221.0Fiscal year 2019Cash31.9Shareholders’ equity244.8Fiscal year 2020Cash160.7Shareholders’ equity265.4Fiscal year 2021Cash143.5Shareholders’ equity379.3Fiscal year 2022Cash87.0Shareholders’ equity394.1Fiscal year 2023Cash128.6Shareholders’ equity425.5Fiscal year 2024Cash229.8Shareholders’ equity457.9Fiscal year 2025Cash123.5Shareholders’ equity517.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 16.5 23.7 28.4 31.9 160.7 143.5 87.0 128.6 229.8 123.5
Shareholders’ equity 115.4 137.2 221.0 244.8 265.4 379.3 394.1 425.5 457.9 517.1

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
37.9% 37.5% 16.3% 18.1% 23.8% 25.8% 25.5% 23.9% 23.2% 23.2%
Returns
11.5% 12.3% 12.2% 12.8% 10.2% 12.0% 13.5% 9.4% 7.2% 8.9%
n/a 1.0% 1.4% 1.4% 0.9% 1.3% 1.2% 0.9% 0.6% 0.9%
Balance and payout
n/a 91.5% 88.8% 89.2% 90.9% 89.1% 90.9% 90.8% 91.0% 90.4%
1.5% n/a n/a 62.4% n/a 4.3% 12.9% 16.8% 12.3% 10.0%