Bridgewater Bancshares, Inc.

BWB

BWBBridgewater Bancshares, Inc. US flag

NASDAQ Capital Market

21.86

USD

-0.09

- -

609.59MMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	45	57	67	78	94	115	135	110	108	142
+ Sales & Services Revenue	45	57	67	78	94	115	135	110	108	142
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	12	14	22	26	27	34	40	41	44	52
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-12	-14	-22	-26	-27	-34	-40	-41	-44	-52
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-21	-27	-32	-38	-36	-62	-72	-53	-43	-60
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-21	-27	-32	-38	-36	-62	-72	-53	-43	-60
Pretax Income	21	27	32	38	36	62	72	53	43	60
- Income Tax Expense (Benefit)	8	10	5	7	8	16	18	13	10	14
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	13	17	27	31	27	46	53	40	33	46
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	13	17	27	31	27	46	53	40	33	46
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	13	17	27	31	27	46	53	40	33	46
- Preferred Dividends	- -	- -	- -	- -	- -	1	4	4	4	4
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	13	17	27	31	27	45	49	36	29	42
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	3	3	3	3	4
EBITDA Margin (%)	1.54	1.56	1.41	1.54	1.49	2.23	2.4	2.86	2.79	2.78
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	29.57	29.78	40.01	40.28	28.99	39.79	39.45	36.4	30.47	32.46
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	0.04	0.15	0.15	0.15	0.15
Depreciation Expense	1	1	1	1	1	3	3	3	3	4
Basic Weighted Avg Shares	30	29	29	29	29	28	28	28	27	27
Basic EPS, GAAP	0.44	0.58	0.93	1.07	0.95	1.59	1.78	1.29	1.05	1.53
Basic EPS from Cont Ops	0.44	0.58	0.93	1.07	0.95	1.63	1.92	1.44	1.2	1.68
Diluted Weighted Avg Shares	30	29	29	30	29	29	29	28	28	28
Diluted EPS, GAAP	0.44	0.58	0.91	1.05	0.93	1.54	1.72	1.27	1.03	1.49
Diluted EPS from Cont Ops	0.44	0.58	0.91	1.05	0.93	1.58	1.86	1.41	1.18	1.63

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	238	256	285	324	554	585	637	733	1,002	450
+ Cash & Cash Equivalents	21	27	32	35	164	145	88	129	234	124
+ ST Investments	217	229	253	290	391	439	549	604	768	326
+ Accounts & Notes Receiv	4	5	7	7	9	9	13	17	62	62
+ Accounts Receivable, Net	4	5	7	7	9	9	13	17	18	19
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	44	43
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-242	-262	-292	-331	-563	-594	-650	-749	-1,064	-512
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	10	10	13	28	51	49	48	49	50	52
+ Property, Plant & Equip	12	13	17	33	55	56	56	58	61	65
- Accumulated Depreciation	3	3	4	5	4	6	7	9	11	13
+ LT Investments & Receivables	217	229	253	290	391	439	549	604	768	776
+ LT Investments	217	229	253	290	391	439	549	604	768	776
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-227	-240	-266	-318	-442	-489	-597	-653	-818	-828
+ Total Intangible Assets	4	4	4	3	3	3	3	3	20	19
+ Goodwill	3	3	3	3	3	3	3	3	12	12
+ Other Intangible Assets	1	1	1	1	1	- -	- -	- -	8	7
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-231	-243	-270	-321	-445	-492	-600	-656	-838	-847
Total Assets	1,260	1,617	1,974	2,269	2,927	3,478	4,346	4,612	5,066	5,407
+ Payables & Accruals	1	1	2	2	2	1	3	5	4	3
+ Accounts Payable	1	1	2	2	2	1	3	5	4	3
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-1	-1	-2	-2	-2	-1	-3	-5	-4	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-1	-1	-2	-2	-2	-1	-3	-5	-4	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	72	110	164	174	142	135	190	413	453	508
+ LT Borrowings	72	110	164	174	142	135	190	413	453	508
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-72	-110	-164	-174	-142	-135	-190	-413	-453	-508
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-72	-110	-164	-174	-142	-135	-190	-413	-453	-508
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,145	1,479	1,753	2,024	2,662	3,098	3,952	4,186	4,608	4,890
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	67	67	67	67	67
+ Share Capital & APIC	66	67	126	112	104	104	97	97	95	99
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	66	66	126	112	104	104	97	96	95	98
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	53	70	96	128	155	199	249	281	309	351
+ Other Equity	-3	1	-2	5	7	9	-18	-18	-13	1
Equity Before Minority Interest	115	137	221	245	265	379	394	426	458	517
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	115	137	221	245	265	379	394	426	458	517
Total Liabilities & Equity	1,260	1,617	1,974	2,269	2,927	3,478	4,346	4,612	5,066	5,407
Shares Outstanding	29	29	30	29	28	28	28	28	28	28
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	51	83	132	140	-21	-11	101	284	219	385
Net Debt to Equity	44.04	60.32	59.68	57.05	-8.02	-2.8	25.74	66.74	47.78	74.39
Tangible Common Equity Ratio	8.86	8.26	11.03	10.65	8.96	8.91	7.48	7.73	7.36	8.01
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	13	17	27	31	27	46	53	40	33	46
+ Depreciation & Amortization	1	1	1	1	1	3	3	3	3	4
+ Non-Cash Items	4	5	7	5	13	6	11	4	5	1
+ Stock-Based Compensation	- -	- -	1	1	2	2	3	4	4	4
+ Deferred Income Taxes	-1	-2	-1	-1	-3	-5	-1	1	- -	-2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	4	7	7	5	14	8	9	-1	1	-1
+ Chg in Non-Cash Work Cap	-3	2	-5	2	-19	- -	17	-17	6	-23
+ (Inc) Dec in Accts Receiv	-2	- -	-8	1	-5	-4	-13	-21	2	-14
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	2	3	2	-14	4	31	4	3	-9
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	15	25	29	40	23	54	85	30	46	28
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-1	-4	-16	-25	-1	-2	-3	-4	-6
+ Acq of Fixed Prod Assets	-2	-1	-4	-16	-25	-1	-2	-3	-4	-6
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	26	- -	59	-15	-10	-3	-12	-5	-6	-3
+ Increase in Capital Stock	26	- -	59	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-15	-10	-3	-12	-5	-6	-3
+ Net Change in LT Investment	-117	-9	-31	-15	-97	-54	-166	-52	-78	25
+ Dec in LT Investment	56	60	48	84	73	56	103	62	167	231
+ Inc in LT Investment	-173	-68	-78	-99	-170	-110	-268	-114	-245	-206
+ Net Cash From Acq & Div	24	- -	- -	- -	- -	- -	- -	- -	17	- -
+ Cash from Divestitures	24	- -	- -	- -	- -	- -	- -	- -	17	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-171	-340	-320	-246	-409	-517	-771	-154	-30	-436
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-266	-350	-354	-276	-530	-571	-938	-209	-95	-417
+ Dividends Paid	- -	- -	- -	- -	- -	-1	-4	-4	-4	-4
+ Net Cash From Debt	1	37	54	10	-32	-8	54	222	40	55
+ Cash From Debt	20	53	70	42	149	29	172	680	997	1,313
+ Repayments of Debt	-19	-16	-16	-32	-181	-37	-117	-457	-957	-1,258
+ Other Financing Activities	227	295	217	245	679	512	758	7	120	236
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	254	333	330	240	636	500	797	221	150	283
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	3	7	5	3	129	-17	-56	42	101	-106
EBITDA	1	1	1	1	1	3	3	3	3	4
EBITDA Margin (%)	1.54	1.56	1.41	1.54	1.49	2.23	2.4	2.86	2.79	2.78
Free Cash Flow	13	24	26	24	-2	53	83	27	42	22
Net Cash Paid for Acquisitions	-24	- -	- -	- -	- -	- -	- -	- -	-17	- -
Free Cash Flow to Firm	13	24	26	24	-2	53	83	27	42	22
Free Cash Flow to Equity	- -	61	80	34	-34	111	134	245	78	73
Free Cash Flow per Basic Share	0.42	0.81	0.89	0.82	-0.06	1.91	3	0.97	1.54	0.8
Price/Free Cash Flow	- -	- -	9.37	7.5	7.64	9.32	5.87	11.59	7.48	14.69
Cash Flow to Net Income	1.13	1.47	1.09	1.26	0.85	1.19	1.59	0.75	1.41	0.6
Capital Expenditures	-2	-1	-4	-16	-25	-1	-2	-3	-4	-6