What is the 13F Pro Quality Score for BWB?

13F Pro ranks Bridgewater Bancshares Inc (BWB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BWB's current score at https://13fpro.ai/company/BWB (free sign-up required for the full ranking).

Where does 13F Pro source BWB data?

All Bridgewater Bancshares Inc fundamentals and ownership data come directly from SEC EDGAR. Bridgewater Bancshares Inc files with the SEC under CIK 1341317. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BWB in?

Bridgewater Bancshares Inc (BWB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives BWB's revenue?

Per Bridgewater Bancshares Inc's latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Net Interest Income ($38.6M, +18.8% YoY); Noninterest Income ($2.3M, -36.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/BWB.

What are BWB's largest expenses?

Bridgewater Bancshares Inc's latest 10-Q reports these as the largest expense items: Information Technology and Telecommunications ($1.3M, +29.6% YoY); Professional and Consulting Fees ($1.3M, +14.1% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is BWB research updated on 13F Pro?

BWB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Bridgewater Bancshares Inc(BWB)Stock Analysis

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13F Pro Quality Score

61.8/100

Rank #756 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

82.8/100

Profitability

94.8/100

Balance Sheet

43.2/100

Earnings Quality

23.3/100

Free Cash Flow

75.9/100

Institutional Flow

50.4/100

Revenue Scale

21.2/100

Dilution Risk

33.1/100

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Why BWB Scores 62/100

exact factor attribution · 2026-09-11

BWB's composite is driven by profitability and revenue growth, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.0 pts

95th pct

Revenue growth

+8.8 pts

83th pct

Free cash flow

+3.9 pts

76th pct

Earnings growth

+1.8 pts

77th pct

Institutional flow

+0.0 pts

50th pct

Capital efficiency

-0.9 pts

43th pct

Shareholder dilution

-1.1 pts

33th pct

Earnings quality

-2.7 pts

23th pct

Scale

-5.8 pts

21th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

BWB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Bridgewater Bancshares Inc (BWB), 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. Bridgewater Bancshares Inc's 13F Pro composite quality score has ranged between 36 and 62 since 2026, currently 61.8 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Bridgewater Bancshares Inc

Quirks, history, and lore behind BWB — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. commercial bank holding company · listed on Nasdaq · headquartered in Minnesota · focused on business banking rather than retail consumers.
2
The Numbers
A small-cap regional bank with total assets in the low billions of dollars — big enough to matter to mid-sized businesses, small enough that most Main Street customers have never heard of it.
3
The History
Founded in the early 2000s, it grew by targeting commercial real estate and business lending in the Twin Cities market, expanding steadily through organic growth rather than splashy acquisitions.
4
The Secret
Its model is deliberately relationship-driven — no sprawling branch network, just bankers who know their clients by name and a lean cost structure that keeps margins healthy.
5
The Lore
It has been recognized repeatedly as one of the best-performing community banks in the country, punching well above its weight class on return on equity for its size.
6
The Giveaway
Its name pairs a famous Connecticut hedge fund word with a very Midwestern word for a small bank — ticker BWB, serving the Twin Cities business community.

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What's Driving BWB's Business? Latest 10-Q Breakdown

AI-extracted from Bridgewater Bancshares Inc's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$40.9M

Net Income

Q2 2026

$14.0M

Free Cash Flow

Q2 2026

$9.3M

Operating Margin

Q2 2026

45.1%

ROIC

Q2 2026

13.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+30.8% YoY

$143.4MFY 2025

FY22 $136.0MFY23 $111.7MFY24 $109.6MFY25 $143.4M

Net Income

+40.4% YoY

$46.1MFY 2025

FY22 $53.4MFY23 $40.0MFY24 $32.8MFY25 $46.1M

EPS (Diluted)

+44.7% YoY

$1.49FY 2025

FY22 $1.72FY23 $1.27FY24 $1.03FY25 $1.49

Total Assets

+6.7% YoY

$5.41BFY 2025

FY22 $4.35BFY23 $4.61BFY24 $5.07BFY25 $5.41B

Op. Cash Flow

-40.0% YoY

$27.8MFY 2025

FY22 $85.0MFY23 $30.0MFY24 $46.4MFY25 $27.8M

Free Cash Flow

-48.1% YoY

$22.0MFY 2025

FY22 $83.4MFY23 $27.0MFY24 $42.3MFY25 $22.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$143.4M +30.8%	$109.6M -1.9%	$111.7M -17.9%	$136.0M +18.5%	$114.8M +22.4%	$93.8M
Net Income	$46.1M +40.4%	$32.8M -17.9%	$40.0M -25.2%	$53.4M +16.9%	$45.7M +68.0%	$27.2M
EPS (Diluted)	$1.49 +44.7%	$1.03 -18.9%	$1.27 -26.2%	$1.72 +11.7%	$1.54 +65.6%	$0.93
Total Assets	$5.41B +6.7%	$5.07B +9.8%	$4.61B +6.1%	$4.35B +25.0%	$3.48B +18.8%	$2.93B
Operating Cash Flow	$27.8M -40.0%	$46.4M +54.5%	$30.0M -64.7%	$85.0M +56.7%	$54.2M +135.6%	$23.0M
Free Cash Flow	$22.0M -48.1%	$42.3M +56.4%	$27.0M -67.6%	$83.4M +55.9%	$53.5M +3303.1%	$-1.7M

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Available Research

13F Pro tracks comprehensive data for Bridgewater Bancshares Inc including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BWB

THRIVENT FINANCIAL FOR LUTHERANS
$46.4M2,205,041 sh
BlackRock, Inc.
$37.1M1,765,449 sh
ALLIANCEBERNSTEIN L.P.
$23.7M1,341,747 sh
DIMENSIONAL FUND ADVISORS LP
$23.1M1,099,544 sh
VANGUARD CAPITAL MANAGEMENT LLC
$19.8M941,478 sh
AMERICAN CENTURY COMPANIES INC
$14.9M708,418 sh
GEODE CAPITAL MANAGEMENT, LLC
$11.7M557,374 sh
STATE STREET CORP
$9.9M468,511 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$9.1M434,660 sh
RENAISSANCE TECHNOLOGIES LLC
$8.1M385,947 sh

Fund	Value	Shares
THRIVENT FINANCIAL FOR LUTHERANS	$46.4M	2,205,041
BlackRock, Inc.	$37.1M	1,765,449
ALLIANCEBERNSTEIN L.P.	$23.7M	1,341,747
DIMENSIONAL FUND ADVISORS LP	$23.1M	1,099,544
VANGUARD CAPITAL MANAGEMENT LLC	$19.8M	941,478
AMERICAN CENTURY COMPANIES INC	$14.9M	708,418
GEODE CAPITAL MANAGEMENT, LLC	$11.7M	557,374
STATE STREET CORP	$9.9M	468,511
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$9.1M	434,660
RENAISSANCE TECHNOLOGIES LLC	$8.1M	385,947

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Is BWB a good stock to buy?

13F Pro's AI-powered analysis of Bridgewater Bancshares Inc (BWB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BWB are available on the BWB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. BWB is classified as a small company.

Which hedge funds own BWB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BWB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Bridgewater Bancshares Inc's investment landscape.