Bridgewater Bancshares, Inc. (BWBBP): fair value, margin of safety and Wheel Score

Is BWBBP undervalued?

BWBBP has a margin of safety of 39%: the stock closed at 19.08 on 5 Nov 2026 against a GLS average fair value of 31.31. 6 of the 8 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.

There is a wide gap between GLS Growth (1.25) and 10 Cap (66.04). 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.

Ranked against every other company we cover, BWBBP is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 71, growth score 38, out of 100).

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.

Quality and financial health

Bridgewater Bancshares, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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. A GLS Moat score of 7.6/10 puts BWBBP among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.

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 12.8%.

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 2/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 35: No options

No options are listed on Bridgewater Bancshares, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 35, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 2k shares a day on a market cap of $573M, 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 rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 13 Nov 2026 (0.3672 per share), so a covered call sold before then carries a small early-assignment risk around that date.

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.

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