Bridgewater Bancshares Inc (BWB) - Net Assets
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. Check financial resilience of Bridgewater Bancshares Inc to evaluate the company's liquid asset resilience ratio.
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. Also explore Bridgewater Bancshares Inc balance sheet assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see BWB market cap overview.
| 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 |
|---|---|
|
Empresa Distribuidora y Comercializadora Norte Sociedad Anónima
F:PWD1
|
$510.32 Million |
|
Organización Cultiba S.A.B. de C.V
MX:CULTIBAB
|
$510.32 Million |
|
Zenitron Corp
TW:3028
|
$510.50 Million |
|
Shanghai Trendzone Decor Grp
SHG:603030
|
$510.68 Million |
|
Beijing Waluer Information Technology Co. Ltd. A
SHE:301380
|
$510.09 Million |
|
CoinShares International Ltd
ST:CS
|
$509.93 Million |
|
Donegal Group A Inc
NASDAQ:DGICA
|
$509.77 Million |
|
Samhällsbyggnadsbolaget i Norden AB (publ)
ST:SBB-B
|
$509.55 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: 1.02x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.78x to 1.02x 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 | $18.34 | x |
| 2017-12-31 | $4.72 | $18.34 | x |
| 2018-12-31 | $7.51 | $18.34 | x |
| 2019-12-31 | $8.16 | $18.34 | x |
| 2020-12-31 | $9.10 | $18.34 | x |
| 2021-12-31 | $13.09 | $18.34 | x |
| 2022-12-31 | $13.75 | $18.34 | x |
| 2023-12-31 | $15.03 | $18.34 | x |
| 2024-12-31 | $16.39 | $18.34 | x |
| 2025-12-31 | $18.05 | $18.34 | 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: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
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 | $510.30 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About 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