BWB PEER ANALYSIS

Bridgewater Bancshares Inc — metric-by-metric comparison with peers and the industry median

BWBBridgewater Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

BWBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BWB	TSKB	NWG	LLOY	ICBCT	SKBNK	Ind. Median
P/E	11.35	2.96●	9.16	13.38	15.65	20.06	12.88
P/B	1.16	0.71●	1.41	1.41	3.99	3.18	1.29
EV/EBITDA	7.04	2.21	-8.43	14.82	-9.21●	1.78	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BWB	TSKB	NWG	LLOY	ICBCT	SKBNK	Ind. Median
Current Ratio	0.13	—	0.25●	0.12	—	—	0.31
Debt/Equity	84.2%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-1.18	-0.47	-14.68	5.39	-20.34●	-13.41	-0.58

Profitability
Metric	BWB	TSKB	NWG	LLOY	ICBCT	SKBNK	Ind. Median
Net Margin	17.7%	54.9%●	20.1%	25.9%	24.7%	14.2%	20.6%
ROE	10.8%	27.4%	14.9%	10.6%	28.9%●	17.5%	10.9%
ROA	1.0%	3.7%●	0.8%	0.5%	1.1%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BWB	TSKB	NWG	LLOY	ICBCT	SKBNK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	55.5%●	-1.3%	16.0%	16.2%	—	8.1%	19.4%
Div. Yield	0.7%	—	4.8%●	3.2%	—	—	2.5%
Payout	7.5%	—	—	—	—	—	31.4%

Valuation
Metric	BWB	NRIM	ACNB	RRBI	UNTY	KRNY	Ind. Median
P/E	11.35	9.43●	12.24	14.12	9.77	16.53	12.88
P/B	1.16	1.82	1.47	1.68	1.66	0.78●	1.29
EV/EBITDA	7.04	2.80●	11.53	7.03	6.20	11.11	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BWB	NRIM	ACNB	RRBI	UNTY	KRNY	Ind. Median
Current Ratio	0.13	46.93●	0.04	0.08	0.15	42.94	0.31
Debt/Equity	84.2%	27.8%	66.6%	0.4%●	72.2%	138.9%	38.0%
NetDebt/EBITDA	-1.18	-3.94●	2.69	-3.62	-1.05	-0.96	-0.58

Profitability
Metric	BWB	NRIM	ACNB	RRBI	UNTY	KRNY	Ind. Median
Net Margin	17.7%	26.3%	25.8%	25.8%	28.7%●	10.4%	20.6%
ROE	10.8%	21.1%●	12.6%	12.6%	18.3%	4.7%	10.9%
ROA	1.0%	2.0%	1.6%	1.4%	2.1%●	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BWB	NRIM	ACNB	RRBI	UNTY	KRNY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	55.5%	54.3%	105.7%●	21.9%	39.5%	—	19.4%
Div. Yield	0.7%	2.3%	2.4%	0.7%	1.0%	4.6%●	2.5%
Payout	7.5%	22.4%	29.3%	10.0%	9.6%	77.5%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.