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BWB vs ECC

BWB
Bridgewater Bancshares, Inc.
NEUTRAL
Price
$19.09
Market Cap
$531.2M
Sector
Financial Services
AI Confidence
75%
ECC
Eagle Point Credit Company Inc.
BEARISH
Price
$4.02
Market Cap
$531.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BWB
12.81
ECC
--
Forward P/E
BWB
8.66
ECC
4.3
P/B Ratio
BWB
1.18
ECC
0.71
P/S Ratio
BWB
3.87
ECC
2.61
EV/EBITDA
BWB
--
ECC
--

Profitability

Gross Margin
BWB
0.0%
ECC
100.0%
Operating Margin
BWB
48.54%
ECC
73.64%
Profit Margin
BWB
33.57%
ECC
-56.38%
ROE
BWB
9.45%
ECC
-11.24%
ROA
BWB
0.88%
ECC
6.45%

Growth

Revenue Growth
BWB
36.8%
ECC
3.3%
Earnings Growth
BWB
65.7%
ECC
--

Financial Health

Debt/Equity
BWB
--
ECC
0.4
Current Ratio
BWB
--
ECC
4.4
Quick Ratio
BWB
--
ECC
4.07

Dividends

Dividend Yield
BWB
--
ECC
35.82%
Payout Ratio
BWB
0.0%
ECC
928.91%

AI Verdict

BWB NEUTRAL

BWB presents a stark contrast between explosive growth and deteriorating financial health. While the Piotroski F-Score of 3/9 indicates weak operational health, the company is significantly undervalued relative to its Graham Number ($23.33) and Intrinsic Value ($43.95). Strong YoY earnings growth of 65.7% and a PEG ratio of 0.73 suggest high growth potential, but this is offset by bearish insider sentiment and a weak technical trend.

Strengths
Exceptional earnings growth (65.7% YoY)
Strong revenue growth (36.8% YoY)
Undervalued PEG ratio (0.73) indicating growth is not priced in
Risks
Weak Piotroski F-Score (3/9) signaling poor financial health trends
Bearish insider activity with multiple director sales
Strongly bearish technical trend (10/100)
ECC BEARISH

ECC presents a classic 'value trap' scenario, characterized by a stable Piotroski F-Score of 4/9 but severe technical deterioration. While the stock trades at a significant discount to book value (P/B 0.71) and analysts maintain a bullish target of $8.56, the fundamental dividend profile is unsustainable with a payout ratio of 928.91%. The combination of a 0/100 technical trend and a 32.2% one-year price decline suggests the market is pricing in significant credit risk or a dividend cut. Despite strong liquidity ratios, the negative ROE and crashing price action outweigh the low valuation metrics.

Strengths
Significant discount to book value (P/B 0.71)
Strong short-term liquidity (Current Ratio 4.40)
Low Debt/Equity ratio (0.40) relative to sector average
Risks
Mathematically unsustainable dividend payout ratio (928.91%)
Severe bearish technical trend (0/100 score)
Negative Return on Equity (ROE: -11.24%)

Compare Another Pair

BWB vs ECC: Head-to-Head Comparison

This page compares Bridgewater Bancshares, Inc. (BWB) and Eagle Point Credit Company Inc. (ECC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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