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Bridgewater Bancshares, Inc. (BWB) vs First Business Financial Services, Inc. (FBIZ)

Bridgewater Bancshares, Inc. and First Business Financial Services, Inc. are both Banks Regional companies. Bridgewater Bancshares, Inc. and First Business Financial Services, Inc. are of similar size ($586.5M and $568.0M). First Business Financial Services, Inc. trades at the lower P/E: 10.7× against 10.9×. Bridgewater Bancshares, Inc. grew revenue faster over the last twelve months: 13.2% against 6.56%. First Business Financial Services, Inc. has the higher net margin (18.6% vs 17.1%) and the higher return on invested capital (7.15% vs 5.78%). Across the 18 metrics below, First Business Financial Services, Inc. leads on 12 and Bridgewater Bancshares, Inc. on 6.

Valuation

Metric BWB FBIZ Banks Regional median
P/E 10.89 10.75 11.98
P/S 1.87 2.01 2.34
P/B 1.19 1.51 1.19
Price to free cash flow 15.65 7.15 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.18% 9.30% 8.23%
Free cash flow yield 6.39% 13.99% 9.08%

Profitability

Metric BWB FBIZ Banks Regional median
Gross margin 52.86% 61.75% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.05% 18.64% 18.66%
Free cash flow margin 11.95% 28.12% 21.11%
Return on equity 11.74% 14.99% 10.65%
Return on assets 0.98% 1.28% 1.13%
Return on invested capital 5.78% 7.15% 8.35%

Growth

Metric BWB FBIZ Banks Regional median
Revenue growth (TTM) 13.15% 6.56% 6.98%
EPS growth (last fiscal year) 44.66% 14.23% 18.88%
Revenue growth, 5-year CAGR 19.40% 18.18% 12.38%
Net income growth, 5-year CAGR 9.10% 23.98% 9.71%

Health

Metric BWB FBIZ Banks Regional median
Debt to equity 0.79 0.88 0.22
Current ratio 1.05 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWB FBIZ Banks Regional median
Dividend yield — 1.86% 2.57%
Payout ratio — 0.20 0.30

Size

Metric BWB FBIZ Banks Regional median
Market cap 568.00m 586.45m 913.33m

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