Stock fact sheet · data as of
Bridgewater Bancshares, Inc. (BWBBP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is BWBBP undervalued?
BWBBP closed at 19.38 on 16 Oct 2026, 23% below the GLS average fair value of 25.09 from 8 models (6 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 22 of the 25 Value points.
There is a wide gap between GLS Growth (1.27) and Graham Growth (56.19). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files BWBBP under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for BWBBP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 8.08 | -58% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 29.98 | +55% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 56.19 | +190% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.54 | +6% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.27 | -93% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 40.11 | +107% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 23.17 | +20% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 21.43 | +11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -148.98 | -869% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bridgewater Bancshares, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability BWBBP scores 5.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 4.5%, ROE 8.9%, ROA 0.9% - with debt at 0.98 times equity and a free-cash-flow yield of 6.7%.
Bridgewater Bancshares, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 4.5% |
|---|---|---|---|
| GLS Moat | 5.4 / 10 | ROE | 8.9% |
| Debt / equity | 0.98 | ROA | 0.9% |
| Free-cash-flow yield | 6.7% | Payout ratio | 7% |
| Institutions | 5 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bridgewater Bancshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $575M, with a beta of 0.58 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 22 / 25 | 23% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 8 / 15 | moat 5.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 1k shares/day, $575M cap, beta 0.58 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Bridgewater Bancshares, Inc. reports earnings on 20 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bridgewater Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| KRNY Kearny Financial Corp. | 9.01 | 18.53 | +51% | 77Good | $569M |
| BWB Bridgewater Bancshares, Inc. | 20.37 | 25.80 | +21% | 65Good | $568M |
| GCBC Greene County Bancorp, Inc. | 34.25 | 40.40 | +15% | 39No options | $583M |
| FBIZ First Business Financial Services, Inc. | 70.08 | 165.49 | +58% | 73Good | $586M |
| SFST Southern First Bancshares, Inc. | 59.22 | 74.22 | +20% | 69Good | $561M |
| CIVB Civista Bancshares, Inc. | 26.85 | 37.06 | +28% | 71Good | $558M |
| UNTY Unity Bancorp, Inc. | 54.53 | 73.48 | +26% | 69Good | $548M |
| DBIN Dacotah Banks, Inc. | 54.42 | 68.80 | +21% | 39No options | $604M |
| NRIM Northrim BanCorp, Inc. | 24.43 | 82.21 | +70% | 76Good | $543M |
| CWBC Community West Bancshares | 25.77 | 46.09 | +44% | 70Good | $543M |
| NPB Northpointe Bancshares, Inc. | 15.62 | 47.93 | +67% | 39No options | $540M |
| BSVN Bank7 Corp. | 55.49 | 109.57 | +49% | 39No options | $529M |
⚖ Compare BWBBP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BWBBP
Is BWBBP undervalued right now?
By the GLS models, moderately: at 19.38 the stock trades 23% below the average fair value of 25.09 (data as of 16 Oct 2026).
What is the Wheel Score of BWBBP and what does it mean?
BWBBP has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BWBBP?
25.09 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bridgewater Bancshares, Inc. report earnings next?
The next earnings report is due on 20 Oct 2026 (after the close), 4 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BWBBP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BWBBP, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.