Bridgewater Bancshares, Inc. cash flow to debt ratio of 5.47% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Bridgewater Bancshares, Inc.'s free cash flow has decreased -48.07% from $42.30M last year to $21.96M, signaling decreasing performance

Bridgewater Bancshares, Inc.'s debt to equity ratio is 0.79, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Bridgewater Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.99 last year to 0.79 today, signaling strengthened financials

Bridgewater Bancshares, Inc. has a net debt to EBITDA ratio of 5.95x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Bridgewater Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Bridgewater Bancshares, Inc.'s profit margin has increased (69.07%) in the last year from 13.05% to 22.07%, signaling increasing performance

Bridgewater Bancshares, Inc.'s short-term liabilities of $4.32G exceed its short-term assets of $468.64M, signaling financial risk

Bridgewater Bancshares, Inc.'s return on assets of 1.05% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bridgewater Bancshares, Inc.'s return on equity of 10.78%, is lower than 15.00%, indicating bad performance

Bridgewater Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Bridgewater Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Bridgewater Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Bridgewater Bancshares, Inc. has a free cash flow yield of 3.54%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bridgewater Bancshares, Inc.'s yearly earnings has increased 40.41% since last year from $32.83M to $46.09M, signaling increasing performance

Bridgewater Bancshares, Inc.'s yearly revenue has increased 15.98% since last year from $251.44M to $291.63M, signaling increasing performance

ROIC 2.47% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bridgewater Bancshares, Inc.'s 3-year revenue CAGR of 19.86% is positive, indicating growing revenue over the past 3 years

Bridgewater Bancshares, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

Bridgewater Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Bridgewater Bancshares, Inc. has insufficient data to evaluate this check.

Bridgewater Bancshares, Inc. has an earnings yield of 9.12%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bridgewater Bancshares, Inc. is overvalued relative to its fair value price of 2.46 based on EBITDA multiple model

Bridgewater Bancshares, Inc. has an EV/EBITDA ratio of 15.53x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bridgewater Bancshares, Inc. is undervalued relative to its fair value price of 43.91 based on Earnings Fair Value model

Bridgewater Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Bridgewater Bancshares, Inc. has a price-to-book ratio of 1.13x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bridgewater Bancshares, Inc. has a price-to-sales ratio of 2.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue