Flushing Financial vs Bridgewater Bancshares

This page compares Flushing Financial and Bridgewater Bancshares, examining business models, financial performance, and market context in a neutral, accessible way. It presents how these organisations operate and perform, helping readers form informed perspectives. Educational content, not financial advice.

This page compares Flushing Financial and Bridgewater Bancshares, examining business models, financial performance, and market context in a neutral, accessible way. It presents how these organisations...

Comparison Snapshot

Key Financial Metrics

FFIC

Metric

BWB

$509.72M

Market Cap

$497.63M

-0.50%

Potential Profit

12.33%

Hold

Analyst Rating

Buy

Investment Analysis

Flushing Financial

FFIC

Pros

Offers a diversified range of banking products including personal, business, government, and card services targeting consumers and businesses.
Provides a relatively high dividend yield of approximately 6.56%, attractive to income-focused investors.
Forward price-to-earnings ratio suggests potential earnings recovery or growth compared to current negative earnings.

Considerations

Reported a net loss of approximately $36 million over the trailing twelve months, indicating profitability challenges.
Stock has a 52-week price range with a recent lower-end near $10.65, showing significant volatility and past price weakness.
Lacks recent analyst coverage and price targets, creating uncertainty about market sentiment and future outlook.

Bridgewater Bancshares

BWB

Pros

Reported positive net income of nearly $34 million and consistent profitability in recent periods.
Analysts express a strong buy consensus with a potential upside of over 24% based on current price targets.
Lower beta (0.58) than typical banks indicates lower volatility and potentially less risk in market fluctuations.

Considerations

Revenue and earnings showed declines in 2024 compared to the previous year, signaling recent operational headwinds.
Does not pay a dividend, which may be less appealing for income-focused investors.
Price-to-earnings ratio is higher than the sector average, which might suggest the stock is relatively more expensive.

About The Companies

Flushing Financial (FFIC)

Flushing Financial Corp (FFIC) is the holding company for Flushing Bank, a regional commercial bank serving the New York metropolitan area with deposit, lending, mortgage and other banking services. With a market capitalisation around $445m, FFIC is a relatively small-cap, community-focused bank where local lending relationships and deposit stability matter. Investors should consider interest-rate sensitivity — net interest margins can expand in rising-rate environments but compress if rates fall — and monitor credit quality as commercial real estate and small-business portfolios can be cyclical. Regulatory capital, loan-loss reserves and deposit trends are key fundamentals to watch. The stock may appeal to investors seeking regional-bank exposure or potential income, but share prices can be volatile and dividends are not guaranteed. This summary provides general information for education — not personalised investment advice. Consider diversification and, if unsure, consult a financial adviser about suitability for your goals and risk tolerance.

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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Comparison Snapshot