Bridgewater Bancshares, Inc. (BWB) vs Greene County Bancorp, Inc. (GCBC)

Bridgewater Bancshares, Inc. and Greene County Bancorp, Inc. are both Banks Regional companies. Bridgewater Bancshares, Inc. and Greene County Bancorp, Inc. are of similar size ($590.8M and $576.6M). Bridgewater Bancshares, Inc. trades at the lower P/E: 11.0× against 14.3×. Bridgewater Bancshares, Inc. grew revenue faster over the last twelve months: 13.2% against 9.67%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs 17.1%) and the higher return on invested capital (21.0% vs 5.78%). Across the 19 metrics below, Greene County Bancorp, Inc. leads on 10 and Bridgewater Bancshares, Inc. on 9.

Valuation

Metric BWB GCBC Banks Regional median
P/E 10.99 14.30 12.15
P/S 1.89 4.02 2.37
P/B 1.20 2.11 1.21
Price to free cash flow 15.79 14.12 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.69 3.07 2.27
Earnings yield 9.10% 6.99% 8.11%
Free cash flow yield 6.33% 7.08% 8.98%

Profitability

Metric BWB GCBC Banks Regional median
Gross margin 52.86% 63.50% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.05% 28.14% 18.66%
Free cash flow margin 11.95% 28.50% 21.18%
Return on equity 11.74% 15.88% 10.64%
Return on assets 0.98% 1.32% 1.13%
Return on invested capital 5.78% 21.04% 8.33%

Growth

Metric BWB GCBC Banks Regional median
Revenue growth (TTM) 13.15% 9.67% 6.61%
EPS growth (last fiscal year) 44.66% 31.69% —
Revenue growth, 5-year CAGR 19.40% 16.48% 12.30%
Net income growth, 5-year CAGR 9.10% 11.37% 9.71%

Health

Metric BWB GCBC Banks Regional median
Debt to equity 0.79 0.02 0.22
Current ratio 1.05 0.65 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWB GCBC Banks Regional median
Dividend yield — 1.15% 3.75%
Payout ratio 0.00 0.15 0.27

Size

Metric BWB GCBC Banks Regional median
Market cap 576.64m 590.78m 921.07m

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