Bridgewater Bancshares Inc
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company provides commercial loans, including loans secured by nonfarm, nonresidential properties, multifamily residential properties, and nonowner occupied single family residential properties; construction, land development, and commercial a… Read more
Bridgewater Bancshares Inc (BWB) - Net Assets
Latest net assets as of December 2025: $517.10 Million USD
Based on the latest financial reports, Bridgewater Bancshares Inc (BWB) has net assets worth $517.10 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.41 Billion) and total liabilities ($4.89 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $517.10 Million |
| % of Total Assets | 9.56% |
| Annual Growth Rate | 18.14% |
| 5-Year Change | 36.34% |
| 10-Year Change | N/A |
| Growth Volatility | 18.38 |
Bridgewater Bancshares Inc - Net Assets Trend (2016–2025)
This chart illustrates how Bridgewater Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bridgewater Bancshares Inc (2016–2025)
The table below shows the annual net assets of Bridgewater Bancshares Inc from 2016 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $517.10 Million | +12.92% |
| 2024-12-31 | $457.94 Million | +7.62% |
| 2023-12-31 | $425.51 Million | +7.98% |
| 2022-12-31 | $394.06 Million | +3.90% |
| 2021-12-31 | $379.27 Million | +42.90% |
| 2020-12-31 | $265.40 Million | +8.42% |
| 2019-12-31 | $244.79 Million | +10.77% |
| 2018-12-31 | $221.00 Million | +61.12% |
| 2017-12-31 | $137.16 Million | +18.89% |
| 2016-12-31 | $115.37 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bridgewater Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 567.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $351.45 Million | 67.97% |
| Common Stock | $278.00K | 0.05% |
| Other Comprehensive Income | $561.00K | 0.11% |
| Other Components | $164.80 Million | 31.87% |
| Total Equity | $517.10 Million | 100.00% |
Bridgewater Bancshares Inc Competitors by Market Cap
The table below lists competitors of Bridgewater Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zhejiang Viewshine Intelligent Meter Co Ltd
SHE:002849
|
$379.51 Million |
|
Stratasys Ltd
NASDAQ:SSYS
|
$379.66 Million |
|
Jiangsu Hanvo Safety Product Co. Ltd.
SHE:300952
|
$379.73 Million |
|
Myriad Genetics Inc
NASDAQ:MYGN
|
$379.85 Million |
|
Yuancheng Cable Co Ltd
SHE:002692
|
$379.44 Million |
|
Sichuan Furong Technology Co Ltd
SHG:603327
|
$379.44 Million |
|
Haesung DS Co Ltd
KO:195870
|
$379.42 Million |
|
Bowman Consulting Group Ltd
NASDAQ:BWMN
|
$379.18 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bridgewater Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 457,935,000 to 517,095,000, a change of 59,160,000 (12.9%).
- Net income of 46,088,000 contributed positively to equity growth.
- Dividend payments of 4,054,000 reduced retained earnings.
- Share repurchases of 2,191,000 reduced equity.
- Other comprehensive income increased equity by 13,925,000.
- Other factors increased equity by 5,392,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $46.09 Million | +8.91% |
| Dividends Paid | $4.05 Million | -0.78% |
| Share Repurchases | $2.19 Million | -0.42% |
| Other Comprehensive Income | $13.93 Million | +2.69% |
| Other Changes | $5.39 Million | +1.04% |
| Total Change | $- | 12.92% |
Book Value vs Market Value Analysis
This analysis compares Bridgewater Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.95x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.47x to 0.95x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $3.84 | $17.14 | x |
| 2017-12-31 | $4.72 | $17.14 | x |
| 2018-12-31 | $7.51 | $17.14 | x |
| 2019-12-31 | $8.16 | $17.14 | x |
| 2020-12-31 | $9.10 | $17.14 | x |
| 2021-12-31 | $13.09 | $17.14 | x |
| 2022-12-31 | $13.75 | $17.14 | x |
| 2023-12-31 | $15.03 | $17.14 | x |
| 2024-12-31 | $16.39 | $17.14 | x |
| 2025-12-31 | $18.05 | $17.14 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bridgewater Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.91%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.80%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.46x
- Recent ROE (8.91%) is below the historical average (11.01%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 11.45% | 24.84% | 0.04x | 10.93x | $1.68 Million |
| 2017 | 12.31% | 24.52% | 0.04x | 11.79x | $3.17 Million |
| 2018 | 12.18% | 30.67% | 0.04x | 8.93x | $4.82 Million |
| 2019 | 12.83% | 29.18% | 0.05x | 9.27x | $6.92 Million |
| 2020 | 10.25% | 22.54% | 0.04x | 11.03x | $653.50K |
| 2021 | 12.05% | 34.05% | 0.04x | 9.17x | $7.76 Million |
| 2022 | 13.55% | 31.53% | 0.04x | 11.03x | $13.99 Million |
| 2023 | 9.39% | 17.61% | 0.05x | 10.84x | $-2.59 Million |
| 2024 | 7.17% | 13.05% | 0.05x | 11.06x | $-12.97 Million |
| 2025 | 8.91% | 15.80% | 0.05x | 10.46x | $-5.62 Million |
Industry Comparison
This section compares Bridgewater Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bridgewater Bancshares Inc (BWB) | $517.10 Million | 11.45% | 9.46x | $379.47 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |