BWB (Bridgewater Bancshares) Moat Score: 3/10 (As of Jun. 30, 2026)


BWB Bridgewater Bancshares Inc BWB
64 GF Score
Price $21.07
GF Value $20.38
Valuation Fairly Valued
! 6 Warning Signs
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What is Bridgewater Bancshares Moat Score?

Bridgewater Bancshares BWB +1.25% 64 Moat Score is 3 as of Jun. 30, 2026. GuruFocus rates BWB with a GF Score™ of 64/100 and a GF Value™ of $20.38 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Bridgewater Bancshares ranks better than 74.52% on this metric.

Bridgewater Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Bridgewater Bancshares has No Moat: Bridgewater Bancshares operates in a highly competitive banking sector with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory barriers that would provide a sustainable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bridgewater Bancshares might have No Moat - Very weak/transient advantages.

Bridgewater Bancshares  (NAS:BWB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bridgewater Bancshares Moat Score Related Terms

BWB vs SFST, KRNY, CBNK: Moat Score Comparison

For the Banks - Regional subindustry, Bridgewater Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bridgewater Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Bridgewater Bancshares's Moat Score falls into.


BWB
64GF Score
Bridgewater Bancshares Inc BWB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Bridgewater Bancshares (BWB) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bridgewater Bancshares ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is Bridgewater Bancshares' Moat Score too high?
Bridgewater Bancshares' current Moat Score is 3. Based on the distribution chart, Bridgewater Bancshares ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to SFST and KRNY?
According to the Banks industry distribution chart, Bridgewater Bancshares ranks #411 out of 1613 companies for Moat Score. This puts Bridgewater Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bridgewater Bancshares's current Moat Score is 3. 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 $20.38, compared to a current price of $21.07 — trading 3.4% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bridgewater Bancshares (BWB), the current Moat Score is 3 as of Jun. 30, 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 $21.07 is trading 3.4% above its estimated GF Value™ of $20.38. GuruFocus considers Bridgewater Bancshares to be Fairly Valued.

Key valuation signals for BWB:

  • Moat Score: 3
  • GF Value™: $20.38 vs. price of $21.07 (3.4% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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 Business Description

Other Exchanges 1WA:Germany
Address 4450 Excelsior Boulevard, Suite 100, St. Louis Park, MN, USA, 55416
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.07
Price
$20.38
GF Value