Bridgewater Bancshares, Inc. — Earnings Quality Grade F
BWB · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 49 days, change -11 days YoY
AR growth 6.9% vs revenue growth 31.8%
Revenue grew 31.8% but CFFO declined -40.0%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 43.3% vs revenue 31.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.60. Below 1.0
FCF $0.0B, FCF/NI = 0.48
Accruals ratio = 0.3%. Low accruals
Cash $0.1B covers only 24% of debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 4% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Bridgewater Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25