Bridgewater BancsharesBWB +0.22%64 Net Margin % is 37.80% as of Mar. 2026, which is 10% above its 10-year median of 34.43. GuruFocus rates BWB with a GF Score™ of 64/100 and a GF Value™ of $20.36 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Bridgewater Bancshares ranks better than 73.8% on this metric.
The historical rank and industry rank for Bridgewater Bancshares's Net Margin % or its related term are showing as below:
BWB'
s Net Margin % Range Over the Past 10 Years
Min: 28.99 Med: 34.43 Max: 40.28
Current: 34.48
BWB's Net Margin % is ranked better than 73.8% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BWB: 34.48
Bridgewater Bancshares (NAS:BWB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bridgewater Bancshares Net Margin % Related Terms
Bridgewater Bancshares Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Bridgewater Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bridgewater Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bridgewater Bancshares's Net Margin % 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.
Bridgewater Bancshares (BWB) has a Net Margin % of 37.80% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bridgewater Bancshares and its competitors. This is 10% above median its historical median of 34.43. Over the past decade, Bridgewater Bancshares' Net Margin % has ranged from 28.99 to 40.28. According to the industry distribution chart, Bridgewater Bancshares ranks #400 out of 1527 companies in the Banks industry, placing it in the top 26.2%.
Is Bridgewater Bancshares' Net Margin % too high?
Bridgewater Bancshares' current Net Margin % of 37.80% is 10% above median its 10-year median of 34.43. Over the past 10 years, this metric has ranged from a low of 28.99 to a high of 40.28. The Banks industry median Net Margin % is 26.95. Bridgewater Bancshares' value of 37.80% is 40.3% above this industry median. Based on the distribution chart, Bridgewater Bancshares ranks #400 out of 1527 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' Net Margin % compare to WCCB and CBNK?
According to the Banks industry distribution chart, Bridgewater Bancshares ranks #400 out of 1527 companies for Net Margin %. This puts Bridgewater Bancshares in the upper half of its industry. The industry median Net Margin % is 26.95. Bridgewater Bancshares' value of 37.80% is 40.3% above this benchmark. Historically, Bridgewater Bancshares' own Net Margin % has ranged from 28.99 to 40.28 over the past decade. While the company's 10-year median is 34.43 vs. the industry median of 26.95, Bridgewater Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bridgewater Bancshares's current Net Margin % of 37.80% is 40.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bridgewater Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bridgewater Bancshares's current Net Margin % is 37.80%, which is 10% above median its own 10-year median of 34.43. 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 $20.36, compared to a current price of $20.52 — trading 0.8% above its estimated fair value. The current Net Margin % is 37.80%, which is 10% above median its 10-year median of 34.43 and 40.3% above the Banks industry median of 26.95. Bridgewater Bancshares' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bridgewater Bancshares (BWB), the current Net Margin % is 37.80% 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 $20.52 is trading 0.8% above its estimated GF Value™ of $20.36.
GuruFocus considers Bridgewater Bancshares to be Fairly Valued.
Key valuation signals for BWB:
Net Margin %: 37.80% (10% above median its 10-year median of 34.43)
GF Value™: $20.36 vs. price of $20.52 (0.8% above fair value)
Industry Position: 40.3% above the Banks median (#400 of 1527)
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
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