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BWB

Bridgewater BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 results support a constructive operating narrative: stronger NII, higher NIM, loan growth, improved efficiency, solid capital, and continued low charge-offs. The release also cited disciplined underwriting and relationship-led growth.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.1.
What can break
Core deposits declined sequentially, increasing funding-mix sensitivity.
Momentum
49
Value
54
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.25 · Bull $25.00 · Bear $17.25Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $23.75
Why
Momentum49 · Δ7d +2.1
Value54 · Δ7d +1.8
Sentiment58 · Δ7d +1.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +1.1.

Contradictions & invalidation

  • • Core deposits declined sequentially, increasing funding-mix sensitivity.
  • • Low analyst coverage and unavailable target-count data limit revision visibility.
  • • Sequential net income and EPS declined, core deposits contracted despite total-deposit growth, and nonperforming assets increased.

Catalyst clock

2026-07-21

Q2 2026 earnings showed operating improvement with mixed funding and credit signals

Lead driver: Sentiment · See AI snapshot
Momentum
49
8% active weight
Current posture
7d trendFlat
Δ7d
+2.1
Δ21d
-6.9
Value
54
47% active weight
Current posture
7d trendImproving
Δ7d
+1.8
Δ21d
+2.8
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
+1.1
Δ21d
-9.0
Why this grade

Composite grade B. Momentum 49.3 / Value 54.3 / Sentiment 58.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$22.25
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$17.25
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$573.85M
Beta
0.65
Shares Out
27.88M
P/E (TTM)
13.5
P/S (TTM)
3.67
P/FCF (TTM)
11.01
Rev YoY
+3.6%
EPS YoY
+21.1%
Gross Margin
-
Op Margin
+24.0%
Net Debt
$386.11M
Current Ratio
0.04
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data