Bridgewater BancsharesBWB +0.22%64 OCF Margin % is 34.73% as of Mar. 2026, which is 20% below its 10-year median of 43.38. 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 1,501 Banks companies, Bridgewater Bancshares ranks worse than 59.16% on this metric.
* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bridgewater Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bridgewater Bancshares's OCF 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 OCF Margin % of 34.73% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bridgewater Bancshares and its competitors. This is 20% below median its historical median of 43.38. Over the past decade, Bridgewater Bancshares' OCF Margin % has ranged from 19.59 to 62.80. According to the industry distribution chart, Bridgewater Bancshares ranks #888 out of 1501 companies in the Banks industry, placing it in the top 59.2%.
Is Bridgewater Bancshares' OCF Margin % too high?
Bridgewater Bancshares' current OCF Margin % of 34.73% is 20% below median its 10-year median of 43.38. Over the past 10 years, this metric has ranged from a low of 19.59 to a high of 62.80. The Banks industry median OCF Margin % is 29.44. Bridgewater Bancshares' value of 34.73% is 18% above this industry median. Based on the distribution chart, Bridgewater Bancshares ranks #888 out of 1501 companies in the Banks industry, which is below 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' OCF Margin % compare to WCCB and CBNK?
According to the Banks industry distribution chart, Bridgewater Bancshares ranks #888 out of 1501 companies for OCF Margin %. This places Bridgewater Bancshares in the lower half of its industry. The industry median OCF Margin % is 29.44. Bridgewater Bancshares' value of 34.73% is 18% above this benchmark. Historically, Bridgewater Bancshares' own OCF Margin % has ranged from 19.59 to 62.80 over the past decade. While the company's 10-year median is 43.38 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bridgewater Bancshares's current OCF Margin % of 34.73% is 18% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bridgewater Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bridgewater Bancshares's current OCF Margin % is 34.73%, which is 20% below median its own 10-year median of 43.38. 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 OCF Margin % is 34.73%, which is 20% below median its 10-year median of 43.38 and 18% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bridgewater Bancshares (BWB), the current OCF Margin % is 34.73% 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:
OCF Margin %: 34.73% (20% below median its 10-year median of 43.38)
GF Value™: $20.36 vs. price of $20.52 (0.8% above fair value)
Industry Position: 18% above the Banks median (#888 of 1501)
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
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