Bridgewater Bancshares (NAS:BWB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Bridgewater Bancshares Effective Interest Rate on Debt % Related Terms
Bridgewater Bancshares Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Bridgewater Bancshares's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bridgewater Bancshares Effective Interest Rate on Debt % Chart
BWB vs SFST, KRNY, CBNK: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Bridgewater Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bridgewater Bancshares Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bridgewater Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bridgewater Bancshares's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 27.97% mean?
Bridgewater Bancshares (BWB) has a Effective Interest Rate on Debt % of 27.97% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bridgewater Bancshares and its competitors.
Is Bridgewater Bancshares' Effective Interest Rate on Debt % too high?
Bridgewater Bancshares' current Effective Interest Rate on Debt % is 27.97%. Overall, Bridgewater Bancshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bridgewater Bancshares' Effective Interest Rate on Debt % compare to SFST and KRNY?
Bridgewater Bancshares' Effective Interest Rate on Debt % of 27.97% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bridgewater Bancshares and its competitors. Bridgewater Bancshares's current Effective Interest Rate on Debt % is 27.97%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bridgewater Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Bridgewater Bancshares (BWB) is currently considered Fairly Valued. The stock's GF Value™ is $20.48, compared to a current price of $21.46 — trading 4.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 27.97%. Bridgewater Bancshares' overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Bridgewater Bancshares (BWB), the current Effective Interest Rate on Debt % is 27.97% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bridgewater Bancshares (BWB) Overvalued in 2026?
Based on GuruFocus' analysis, Bridgewater Bancshares stock appears to be overvalued.
The current stock price of $21.46 is trading 4.8% above its estimated GF Value™ of $20.48.
GuruFocus considers Bridgewater Bancshares to be Fairly Valued.
Key valuation signals for BWB:
Effective Interest Rate on Debt %: 27.97%
GF Value™: $20.48 vs. price of $21.46 (4.8% above fair value)
No single metric tells the full story. See the BWB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bridgewater Bancshares Inc is a financial holding company. Through its subsidiary, it offers various personal and commercial banking products and services such as savings accounts, certificates of deposits, money transfer services, digital wallets, credit and debit cards, safe deposit lockers, different types of loans and advances, commercial deposit accounts, treasury management, and others. The company principally focuses on catering to commercial clients, offering a suite of loan and deposit products. Geographically, it mainly operates in the Twin Cities Metropolitan Statistical Area in the United States.
64GF Score
Get the complete analysis for BWB
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BWB has been successfully added to your 
