Bridgewater Bancshares, Inc. (BWB) vs Grupo Supervielle S.A. (SUPV)

Bridgewater Bancshares, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Bridgewater Bancshares, Inc. and Grupo Supervielle S.A. are of similar size ($576.6M and $568.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Bridgewater Bancshares, Inc. trades at 11.0×. Bridgewater Bancshares, Inc. grew revenue faster over the last twelve months: 13.2% against 10.2%. Bridgewater Bancshares, Inc. has the higher net margin (17.1% vs −3.62%) and the higher return on invested capital (5.78% vs 0.00%). Across the 18 metrics below, Bridgewater Bancshares, Inc. leads on 13 and Grupo Supervielle S.A. on 5.

Valuation

Metric BWB SUPV Banks Regional median
P/E 10.99 n/m 12.15
P/S 1.89 0.38 2.37
P/B 1.20 0.77 1.21
Price to free cash flow 15.79 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.69 (0.16) 2.27
Earnings yield 9.10% (8.70%) 8.11%
Free cash flow yield 6.33% 4.03% 8.98%

Profitability

Metric BWB SUPV Banks Regional median
Gross margin 52.86% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.05% (3.62%) 18.66%
Free cash flow margin 11.95% 1.51% 21.18%
Return on equity 11.74% (7.34%) 10.64%
Return on assets 0.98% (1.06%) 1.13%
Return on invested capital 5.78% 0.00% 8.33%

Growth

Metric BWB SUPV Banks Regional median
Revenue growth (TTM) 13.15% 10.24% 6.61%
EPS growth (last fiscal year) 44.66% (128.85%) —
Revenue growth, 5-year CAGR 19.40% 8.30% 12.30%
Net income growth, 5-year CAGR 9.10% 0.00% 9.71%

Health

Metric BWB SUPV Banks Regional median
Debt to equity 0.79 0.09 0.22
Current ratio 1.05 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWB SUPV Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 0.00 0.27

Size

Metric BWB SUPV Banks Regional median
Market cap 576.64m 568.38m 921.07m

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