Arrow Financial vs Bridgewater Bancshares

This page compares Arrow Financial Corp and Bridgewater Bancshares Inc, examining their business models, financial performance, and the market context in which they operate. It presents neutral, accessible information to help readers understand each company's approach to customers, growth, and risk. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AROW

Metric

BWB

$532.90M

Market Cap

$497.63M

-1.41%

Potential Profit

12.33%

Buy

Analyst Rating

Buy

Investment Analysis

Arrow Financial

AROW

Pros

Arrow Financial maintains a strong financial health profile with a solid balance sheet and low debt levels.
The company offers a reliable dividend yield above 4%, supported by consistent earnings and cash flows.
Efficient cost management has contributed to stable revenue growth and profitability in recent years.

Considerations

Return on assets and return on equity are below industry averages, indicating less efficient use of capital.
Analyst sentiment is neutral, with a consensus 'Hold' rating and limited price upside potential.
Stock performance has lagged over the past year, reflecting weak investor sentiment and limited growth catalysts.

Bridgewater Bancshares

BWB

Pros

Bridgewater Bancshares has demonstrated robust loan growth and expanding net interest margins in a rising rate environment.
The bank maintains a strong capital position and high asset quality, with low levels of non-performing loans.
Recent acquisitions have broadened its geographic footprint and diversified revenue streams.

Considerations

Earnings growth has been volatile, with fluctuations tied to commercial real estate exposure and interest rate sensitivity.
The stock trades at a premium valuation compared to regional banking peers, limiting margin of safety.
Regulatory and credit risks are elevated due to concentration in commercial lending and regional economic factors.

About The Companies

Arrow Financial (AROW)

Arrow Financial Corporation is a US-based bank holding company with a strong regional focus. Through its main subsidiary banks, it provides a comprehensive suite of financial services to individuals and businesses across New York State, from the capital region up to the Canadian border. Its operations are quite diverse, extending beyond traditional banking to include wealth management, trust services, and insurance products like property, casualty, and health insurance. The organisation also engages in indirect consumer lending for automobiles in New York and Vermont. This multi-faceted business model means it has several avenues for generating revenue. As with any financial institution, its performance can be influenced by regional economic trends and interest rate changes. Investors considering this stock should be aware that all investments carry risk, and past performance is not a guarantee of future returns.

Bridgewater Bancshares (BWB)

Bridgewater Bancshares Inc. is a financial holding company operating primarily through its subsidiary, Bridgewater Bank. The company has carved out a niche in the Minnesota financial landscape, focusing on commercial banking. Its core business involves providing loans to commercial entities, including those secured by various types of property, as well as construction and development loans. Alongside its lending activities, Bridgewater offers a suite of deposit and cash management products tailored for its business clients. While its main focus is commercial, the bank also serves retail customers with traditional banking products through its physical branches and digital channels. This dual approach allows it to serve a broader community within its specific geographic footprint. For investors, Bridgewater represents a focused play on the commercial banking sector in the American Midwest. As with any investment, its value can go down as well as up.

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Arrow Financial vs Bridgewater Bancshares

Comparison Snapshot

Investment Analysis

Arrow Financial

Pros

Considerations

Bridgewater Bancshares

Pros

Considerations

About The Companies

Buy AROW or BWB in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Arrow Financial vs FRP Holdings

Arrow Financial vs First Foundation

Flushing Financial vs Bridgewater Bancshares

Frequently asked questions

Comparison Snapshot

About The Companies

Arrow Financial vs Bridgewater Bancshares

Comparison Snapshot

Investment Analysis

Arrow Financial

Pros

Considerations

Bridgewater Bancshares

Pros

Considerations

About The Companies

Buy AROW or BWB in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Arrow Financial vs FRP Holdings

Arrow Financial vs First Foundation

Flushing Financial vs Bridgewater Bancshares

Frequently asked questions

What does it mean to compare two stocks in this page?

What sourcing and type of information underpin the comparisons?

How should dividend information influence interpretation of these stocks?

What does efficiency and capital use tell us about each company?

How should analysts view growth potential from acquisitions or expansion?

What role do market conditions play in the banks’ revenue outlook?

Why is regulatory risk part of the discussion for these banks?

How does investor sentiment influence the interpretation of these stocks?

What should a beginner look for when scanning these profiles?

What is the educational purpose of this page’s disclaimer?

Comparison Snapshot

About The Companies