Last 35 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Bridgewater Bancshares, Inc.'s quarterly P/E stands at 10.2x, down 21.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 8.5% YoY to 11.8x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.34 | 10.19 | 11.58 | 10.47 | 11.20 | 12.99 | 13.12 | 11.16 | 12.13 | 12.07 | 7.90 | 7.94 | 7.32 |
| — | -21.5% | -11.7% | -6.2% | -7.6% | +7.6% | +66.1% | +40.5% | +65.5% | +22.5% | -9.8% | -19.3% | -31.5% | |
| P/S Ratio | 1.77 | 1.64 | 1.64 | 1.54 | 1.45 | 1.45 | 1.54 | 1.30 | 1.37 | 1.64 | 1.16 | 1.24 | 1.44 |
| — | +13.4% | +6.2% | +18.7% | +5.7% | -11.9% | +33.1% | +4.6% | -5.1% | -34.3% | -57.0% | -57.9% | -57.0% | |
| P/B Ratio | 1.03 | 0.97 | 0.99 | 0.94 | 0.83 | 0.83 | 0.87 | 0.73 | 0.75 | 0.90 | 0.65 | 0.68 | 0.77 |
| — | +17.3% | +13.4% | +27.7% | +10.1% | -7.7% | +35.5% | +8.0% | -1.8% | -30.1% | -47.7% | -45.3% | -40.1% | |
| P/FCF | 23.45 | 28.32 | 15.87 | 39.41 | 14.05 | 3.04 | — | 7.74 | 11.39 | — | 4.32 | 5.61 | 9.91 |
| — | +831.3% | — | +409.4% | +23.4% | — | — | +37.9% | +14.9% | — | -67.5% | +88.6% | +152.7% | |
| EV / EBITDA | 13.91 | 11.78 | 13.53 | 11.96 | 11.76 | 12.88 | 13.51 | 12.70 | 13.52 | 13.50 | 9.98 | 11.80 | 12.40 |
| — | -8.5% | +0.2% | -5.8% | -13.0% | -4.6% | +35.4% | +7.6% | +9.0% | +15.5% | +6.4% | +36.5% | +49.6% | |
| EV / EBIT | 14.63 | 11.92 | 14.43 | 12.41 | 13.08 | 14.22 | 14.22 | 13.38 | 14.49 | 14.38 | 10.60 | 12.52 | 13.04 |
| — | -16.1% | +1.4% | -7.2% | -9.7% | -1.1% | +34.2% | +6.8% | +11.1% | +15.3% | +9.1% | +39.4% | +51.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Bridgewater Bancshares, Inc.'s operating margin was 24.3% in Q4 2025, up 4.3 pp QoQ and up 8.3 pp YoY. The trailing four-quarter average of 21.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 23.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.2% | 50.8% | 46.1% | 46.5% | 45.1% | 41.1% | 41.7% | 41.3% | 41.8% | 43.2% | 46.9% | 47.9% | 55.1% |
| — | +23.6% | +10.6% | +12.7% | +7.9% | -4.8% | -11.2% | -13.9% | -24.2% | -34.1% | -39.6% | -39.4% | -33.6% | |
| Operating Margin | 21.1% | 24.3% | 20.0% | 20.9% | 18.8% | 16.1% | 17.7% | 17.1% | 17.1% | 19.9% | 21.6% | 23.1% | 29.5% |
| — | +51.4% | +13.1% | +22.2% | +9.6% | -19.4% | -17.9% | -26.1% | -41.9% | -43.7% | -52.4% | -47.6% | -35.3% | |
| Net Margin | 15.8% | 17.4% | 15.4% | 15.9% | 14.3% | 12.5% | 13.5% | 13.1% | 13.1% | 15.3% | 16.6% | 17.5% | 21.7% |
| — | +39.1% | +13.8% | +21.7% | +9.1% | -18.0% | -18.6% | -25.4% | -39.7% | -43.7% | -50.0% | -46.4% | -35.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.5% | 2.6% | 2.4% | 2.4% | 2.1% | 1.8% | 1.9% | 1.9% | 1.8% | 2.1% | 2.3% | 2.4% | 2.9% |
| — | +45.8% | +22.4% | +31.1% | +14.0% | -14.5% | -16.6% | -23.2% | -37.7% | -40.4% | -39.1% | -29.1% | -9.5% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +47.3% | +17.7% | +28.0% | +12.5% | -13.1% | -12.0% | -19.1% | -35.5% | -40.3% | -42.0% | -38.0% | -24.8% | |
| ROIC | 4.8% | 1.4% | 1.1% | 1.2% | 1.0% | 0.9% | 1.0% | 1.0% | 0.9% | 1.1% | 1.1% | 0.9% | 1.2% |
| — | +56.9% | +13.1% | +23.8% | +14.0% | -17.4% | -6.6% | +2.8% | -23.0% | -35.9% | -51.0% | -59.1% | -49.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Bridgewater Bancshares, Inc.'s Debt/EBITDA ratio is 27.0x, down from 31.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 196.7% YoY to 0.49x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.98 | 0.98 | 1.03 | 1.11 | 0.94 | 0.99 | 0.98 | 0.87 | 0.95 | 0.97 | 0.93 | 1.34 | 1.81 |
| — | -0.6% | +5.3% | +27.8% | -0.1% | +2.0% | +5.1% | -35.6% | -47.7% | -19.8% | -5.4% | +114.4% | +334.6% | |
| Debt / EBITDA | 7.85 | 26.99 | 31.89 | 33.54 | 31.47 | 39.02 | 37.03 | 33.98 | 37.34 | 33.46 | 29.17 | 39.97 | 43.67 |
| — | -30.8% | -13.9% | -1.3% | -15.7% | +16.6% | +26.9% | -15.0% | -14.5% | +34.3% | +59.2% | +207.7% | +376.7% | |
| Current Ratio | 0.49 | 0.49 | 0.12 | 0.15 | 0.06 | 0.17 | 0.23 | 0.20 | 0.21 | 0.20 | 0.19 | 0.19 | 0.20 |
| — | +196.7% | -46.9% | -25.2% | -70.1% | -17.4% | +23.5% | +2.0% | +2.3% | +15.0% | +5.4% | +12.2% | +14.9% | |
| Quick Ratio | 0.49 | 0.49 | 0.12 | 0.15 | 0.06 | 0.17 | 0.23 | 0.20 | 0.21 | 0.20 | 0.19 | 0.19 | 0.20 |
| — | +196.7% | -46.9% | -25.2% | -70.1% | -17.4% | +23.5% | +2.0% | +2.3% | +15.0% | +5.4% | +12.2% | +14.9% | |
| Interest Coverage | 0.41 | 0.49 | 0.38 | 0.41 | 0.36 | 0.29 | 0.30 | 0.30 | 0.30 | 0.35 | 0.40 | 0.45 | 0.68 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 35 years · Updated daily
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Bridgewater Bancshares, Inc.'s current P/E is 12.3x. The average P/E over the last 4 quarters is 10.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bridgewater Bancshares, Inc.'s current operating margin is 21.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Bridgewater Bancshares, Inc.'s business trajectory between earnings reports.