Bridgewater Bancshares (BWB) Stock Price, News & Analysis

Company Overview

Bridgewater Bancshares, Inc. is the bank holding company for Bridgewater Bank, a New Jersey-chartered community bank founded in 2006. Headquartered in Bridgewater, New Jersey, the company provides a broad array of financial services designed to meet the needs of both individual and business customers. As a locally focused institution, Bridgewater Bancshares emphasizes relationship banking, combining personalized service with the efficiency of modern banking technologies.

The company’s retail banking platform offers checking and savings accounts, certificates of deposit, money market accounts and consumer loan products. Mortgage lending and home equity financing play a central role in the product lineup, with fixed- and adjustable-rate options available for purchase and refinance transactions. Bridgewater Bancshares also supports personal lines of credit and installment loans, giving consumers multiple pathways to manage everyday expenses and longer-term financial goals.

On the commercial side, Bridgewater Bancshares delivers tailored lending solutions, including commercial mortgages, construction and land development financing, equipment loans and SBA-guaranteed transactions. The bank provides treasury management services, merchant processing, remote deposit capture and other business banking tools to help small and mid-sized enterprises streamline cash flow, reduce operational risk and enhance growth strategies. Its advisory services team works closely with business owners to structure credit facilities that align with seasonal and expansion-driven capital needs.

Serving communities across central New Jersey and parts of the New York metropolitan area, Bridgewater Bancshares has built its market presence on local decision-making and community involvement. The company is led by an experienced management team with deep roots in the region, supported by a board of directors comprised of local business and civic leaders. Bridgewater Bancshares continues to invest in digital banking enhancements, ensuring that customers have secure, convenient online and mobile access alongside its traditional branch network.

Key Stats

• Today's Range: $21.49 to $21.81
• 50-Day Range: $17.99 to $21.68
• 52-Week Range: $14.90 to $21.91
• Volume: 176,022 shs
• Average Volume: 109,005 shs
• Market Capitalization: $600.81 million
• P/E Ratio: 12.18
• Dividend Yield: N/A
• Price Target: $21.67
• Consensus Rating: Moderate Buy

Bridgewater Bancshares Stock Analysis - MarketRank™

Bridgewater Bancshares scored higher than 61% of companies evaluated by MarketBeat, and ranked 515th out of 876 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Bridgewater Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on no strong buy ratings, 3 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Bridgewater Bancshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Bridgewater Bancshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 16.22%

Earnings Growth

Earnings for Bridgewater Bancshares are expected to grow by 16.22% in the coming year, from $1.85 to $2.15 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bridgewater Bancshares is 12.17, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.23.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bridgewater Bancshares is 12.17, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.52.

Price to Book Value per Share Ratio

Bridgewater Bancshares has a P/B Ratio of 1.33. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.36% of the float of Bridgewater Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Bridgewater Bancshares has a short interest ratio ("days to cover") of 1.31, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bridgewater Bancshares has recently increased by 54.07%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Bridgewater Bancshares does not currently pay a dividend.

Dividend Growth

Bridgewater Bancshares does not have a long track record of dividend growth.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.39

News Sentiment

Bridgewater Bancshares has a news sentiment score of 0.39. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Bridgewater Bancshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.9 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Bridgewater Bancshares insiders have sold 28,219.61% more of their company's stock than they have bought. Specifically, they have bought $4,100.00 in company stock and sold $1,161,104.00 in company stock.

Percentage Held by Insiders

23.10% of the stock of Bridgewater Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

65.83% of the stock of Bridgewater Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 4/21/2026
• Today: 7/14/2026
• Next Earnings (Confirmed): 7/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BWB
• CIK: 1341317
• Web: www.bridgewaterbankmn.com
• Phone: (952) 893-6868
• Fax: N/A
• Employees: 250
• Year Founded: 2005

Price Target and Rating

• Average Price Target for Bridgewater Bancshares: $21.67
• High Price Target: $23.00
• Low Price Target: $20.00
• Potential Upside/Downside: +0.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.77
• Trailing P/E Ratio: 12.18
• Forward P/E Ratio: 11.65
• P/E Growth: N/A
• Net Income: $46.09 million
• Net Margins: 17.69%
• Pretax Margin: 23.06%
• Return on Equity: 11.06%
• Return on Assets: 0.91%

Debt

• Debt-to-Equity Ratio: 0.96
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $292.76 million
• Price / Sales: 2.05
• Cash Flow: $1.51 per share
• Price / Cash Flow: 14.23
• Book Value: $16.23 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 27,880,000
• Free Float: 21,442,000
• Market Cap: $600.81 million
• Optionable: Optionable
• Beta: 0.57