All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2023-03-07.
From the record
Bridgewater Bancshares, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2023-03-07) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+21% a year over 10 filed years; profitable in 10 of 10.
From the record
Bridgewater Bancshares, Inc.'s 10 filed years say what it did: revenue went from $51 million in fiscal 2016 to $282 million in fiscal 2025, up 21% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.6% a year. 11% of cash flow returned. Insiders: 44 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Bridgewater Bancshares, Inc.'s diluted share count shrank about 0.6% a year, and dividends and buybacks returned about 11% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 44 sales and 1 purchase of their own stock on the open market in the year to 2026-11-06, buying about $4 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 9%: 9¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Bridgewater Bancshares, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 43% of 155 in its family; net margin 16.4%.
From the record
Bridgewater Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $282 million in fiscal 2025 ranks in the bottom 45% by size; a net margin of 16.4% ranks in the bottom 23%; revenue growth of 19.9% a year over the last 3 filed years ranks in the top 37% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 28% of 150 in its family for leadership; chief executive since 2018.
From the record
Bridgewater Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Baack, Jerry J. (CEO, as filed), filing under that title since 2018-03-13, 8.7 years (top 39% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 8.7 years (top 32%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 14%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 25% of 142 in its family for room to expand.
From the record
Bridgewater Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $124 million against no long-term debt tagged leaves 2.3% of its assets as net cash, bottom 41% of its family; cash from operations less capital spending is 7.8% of revenue (bottom 9%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 36% of 152 in its family for growth drivers.
From the record
Bridgewater Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 19.9% a year over the last three filed years against 21% over all 10, slowing (bottom 19% of its family); the newest year grew 14.6% (top 13%); capital spending grew 53% a year (top 13%) (its annual reports). Bridgewater Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 46% of 150 in its family for expectations against reality.
From the record
Bridgewater Bancshares, Inc.'s newest year against its own record: revenue of $282 million in fiscal 2025 came in 6.5% below the $301 million its prior three years' pace pointed to (top 19% of its family); net income of $46 million against a prior three-year average of $42 million (bottom 43%); a net margin of 16.4% against 21.3% before (bottom 37%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made