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Bridgewater Bancshares, Inc. (BWB) vs Northpointe Bancshares, Inc. (NPB)

Bridgewater Bancshares, Inc. and Northpointe Bancshares, Inc. are both Banks Regional companies. Bridgewater Bancshares, Inc. and Northpointe Bancshares, Inc. are of similar size ($567.9M and $549.2M). Northpointe Bancshares, Inc. trades at the lower P/E: 6.8× against 9.9×. Northpointe Bancshares, Inc. grew revenue faster over the last twelve months: 19.7% against 9.93%. Bridgewater Bancshares, Inc. has the higher net margin (18.0% vs 16.1%) and the higher return on invested capital (6.36% vs 4.38%). Across the 16 metrics below, Northpointe Bancshares, Inc. leads on 10 and Bridgewater Bancshares, Inc. on 6.

Valuation

Metric BWB NPB Banks Regional median
P/E 9.86 6.77 12.02
P/S 1.82 1.09 2.36
P/B 1.19 0.90 1.23
Price to free cash flow 7.66 5.38 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.14% 14.76% 8.21%
Free cash flow yield 13.06% 18.57% 9.23%

Profitability

Metric BWB NPB Banks Regional median
Gross margin 54.54% 50.82% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.96% 16.10% 18.82%
Free cash flow margin 23.74% 20.29% 17.97%
Return on equity 12.30% 13.41% 10.28%
Return on assets 1.02% 1.17% 1.13%
Return on invested capital 6.36% 4.38% 8.45%

Growth

Metric BWB NPB Banks Regional median
Revenue growth (TTM) 9.93% 19.68% 6.37%
EPS growth (last fiscal year) 44.66% 15.30% 18.85%
Revenue growth, 5-year CAGR 19.40% — 12.65%
Net income growth, 5-year CAGR 9.10% — 9.81%

Health

Metric BWB NPB Banks Regional median
Debt to equity 0.93 2.66 0.17
Current ratio 1.06 1.40 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWB NPB Banks Regional median
Dividend yield — 0.66% 2.49%
Payout ratio — 0.05 0.29

Size

Metric BWB NPB Banks Regional median
Market cap 567.85m 549.16m 934.85m

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