B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
BWB
Bridgewater BancsharesCNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-24
Recent news sentiment (30D)
+24.7
Positive
Company
-
Unavailable
Macro
+24.7
Positive
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+63.1
Score
AI commentary
Primary-source tone is cautiously constructive on NII, NIM, loan growth, efficiency, and capital, but mixed on core deposits and credit quality. Zacks reported $0.45 EPS versus a $0.46 consensus estimate, while verified post-print analyst revisions and target changes are unavailable. [Zacks earnings report](https://www.zacks.com/stock/news/2957653/bridgewater-bwb-lags-q2-earnings-estimates) Social coverage is absent, and the available market reaction does not provide a reliable earnings-attribution signal.
RankAlpha Sentiment Codex - 2026-07-24
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-21eventQ2 2026 earnings showed operating improvement with mixed funding and credit signalsMedium impact
The company reported $14.0 million of net income and $0.45 diluted EPS. Net interest income rose 21.0% annualized sequentially, NIM increased to 3.07%, and gross loans grew 5.4% annualized; however, core deposits declined 3.5% annualized and nonperforming assets rose to 0.40% from 0.22%. [#SEC-8K-2026-07-21] [SEC earnings exhibit](https://www.sec.gov/Archives/edgar/data/1341317/000110465926085419/bwb-20260721xex99d1.htm)
2026-10-22catalystPost-earnings funding and credit-quality digestionMedium impact
Core-deposit contraction and higher nonperforming assets could constrain near-term rerating despite low quarterly charge-offs of 0.04%.
2027-07-24catalystSustained margin expansion and relationship-led loan growthHigh impact
NIM expansion, annualized loan growth, a 53.0% efficiency ratio, 9.61% CET1 capital, and a $700,000 share repurchase support a medium-term improvement case, but sustainability remains unproven. [#SEC-8K-2026-07-21]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-24 • Updated nightlySource: Internal modelMethodology