Bridgewater Bancshares Inc(BWB)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Bridgewater Bancshares Inc (BWB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BWB at 61.8/100 on a 32-signal composite quality model, placing it at rank #756 of 2,962 stocks — the top half of the AI-ranked universe. BWB scores in the top quartile across profitability (94.8), revenue growth (82.8), free cash flow (75.9). Areas of concern include revenue scale (21.2) and earnings quality (23.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 33.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Bridgewater Bancshares Inc reports quarterly revenue of $40.9M, net income of $14.0M, an operating margin of 45.1%. Top institutional holders of BWB by reported 13-F value include THRIVENT FINANCIAL FOR LUTHERANS, BlackRock, ALLIANCEBERNSTEIN L.P., based on the most recent SEC filings. BWB trades on the Nasdaq exchange and files with the SEC under CIK 1341317. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BWB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Bridgewater Bancshares Inc directly from SEC EDGAR.
AI Quality Score
61.8/100
AI Rank
#756
Revenue
$40.9M
Net Income
$14.0M
Free Cash Flow
$9.3M
Operating Margin
45.1%
BWB key financials by period
Bridgewater Bancshares Inc reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$143.4M
$46.1M
41.9%
FY 2024
10-K
$109.6M
$32.8M
39.0%
FY 2023
10-K
$111.7M
$40.0M
47.0%
FY 2022
10-K
$136.0M
$53.4M
52.7%
FY 2021
10-K
$114.8M
$45.7M
53.6%
FY 2020
10-K
$93.8M
$27.2M
38.0%
Institutions holding BWB
Institutional investors reporting a position in Bridgewater Bancshares Inc on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-30 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose to $14.0M in Q2 2026 from $11.5M in Q2 2025; net interest margin expanded 45 basis points to 3.07% despite $171M securities portfolio reduction.
Biggest Revenue Drivers
Net Interest Income$38.6M+18.8% YoY
Growth and repricing of loan portfolio at higher yields and lower rates paid on deposits, offset partially by lower investment securities balances.
Noninterest Income$2.3M-36.0% YoY
Lower swap fees, no net gain on sale of securities, and no FHLB prepayment income in Q2 2026 vs Q2 2025.
Biggest Revenue Drivers
Total revenue: $40.9M+15.9% YoY
Net Interest Income$38.6M+18.8% YoY
Growth and repricing of loan portfolio at higher yields and lower rates paid on deposits, offset partially by lower investment securities balances.
Noninterest Income$2.3M-36.0% YoY
Lower swap fees, no net gain on sale of securities, and no FHLB prepayment income in Q2 2026 vs Q2 2025.
Largest Expense Items
Information Technology and Telecommunications$1.3M+29.6% YoY
Higher technology infrastructure and telecommunications costs.
Professional and Consulting Fees$1.3M+14.1% YoY
Increased professional and consulting services.
Margins: Net interest margin (fully tax-equivalent) expanded 45 basis points to 3.07% in Q2 2026 from 2.62% in Q2 2025, driven by loan portfolio growth and repricing at higher yields combined with lower deposit rates. Core net interest margin also expanded 45 basis points to 2.94%.
Watch Items from the Filing
Investor CRE exposure of $3.09B (69.9% of gross loan portfolio, 457.1% of total risk-based capital) concentrated in multifamily ($1.69B) and nonowner-occupied CRE ($1.17B); represents significant concentration risk.
Uninsured deposits decreased from 29.8% of total deposits at year-end 2025 to 26.2% at June 30, 2026 ($1.14B); demonstrates successful deposit mix improvement and reduced reliance on higher-cost uninsured funding.
Nonperforming loans increased to $21.6M (0.49% of total loans) from $22.0M at year-end 2025; allowance for credit losses to nonaccrual loans ratio declined to 265.23x from 256.16x.
Securities portfolio reduced by $171M (22%) year-to-date through $208.5M sale in Q1 2026 for $7.3M pre-tax gain; strategic repositioning to enhance efficiency and drive future earnings.
Capital ratios remain strong: Tier 1 leverage ratio 10.02%, Common Equity Tier 1 ratio 9.61%, Total risk-based capital ratio 14.48%; all well above regulatory minimums.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
