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BWB vs UNTY

BWB
Bridgewater Bancshares, Inc.
NEUTRAL
Price
$19.09
Market Cap
$531.2M
Sector
Financial Services
AI Confidence
75%
UNTY
Unity Bancorp, Inc.
NEUTRAL
Price
$52.66
Market Cap
$528.8M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BWB
12.81
UNTY
8.87
Forward P/E
BWB
8.66
UNTY
8.16
P/B Ratio
BWB
1.18
UNTY
1.52
P/S Ratio
BWB
3.87
UNTY
3.99
EV/EBITDA
BWB
--
UNTY
--

Profitability

Gross Margin
BWB
0.0%
UNTY
0.0%
Operating Margin
BWB
48.54%
UNTY
57.7%
Profit Margin
BWB
33.57%
UNTY
45.8%
ROE
BWB
9.45%
UNTY
18.26%
ROA
BWB
0.88%
UNTY
2.09%

Growth

Revenue Growth
BWB
36.8%
UNTY
16.1%
Earnings Growth
BWB
65.7%
UNTY
23.9%

Financial Health

Debt/Equity
BWB
--
UNTY
--
Current Ratio
BWB
--
UNTY
--
Quick Ratio
BWB
--
UNTY
--

Dividends

Dividend Yield
BWB
--
UNTY
1.14%
Payout Ratio
BWB
0.0%
UNTY
10.1%

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)
UNTY NEUTRAL

Unity Bancorp presents a stark contrast between strong growth/valuation and deteriorating financial health. While the stock is fundamentally undervalued with a P/E of 8.87 and a PEG of 0.99, the Piotroski F-Score of 2/9 indicates significant weakness in financial strength and operational efficiency. Despite consistent earnings beats over 25 quarters and a bullish analyst target of $65.00, the combination of a bearish technical trend and net insider selling suggests caution.

Strengths
Strong earnings growth (YoY +23.9%) and revenue growth (YoY +16.1%)
Attractive valuation with a P/E of 8.87 and PEG ratio of 0.99
Excellent earnings track record with 3/4 recent beats and long-term consistency
Risks
Critical financial health warning indicated by a Piotroski F-Score of 2/9
Bearish insider sentiment with 4 sell transactions and 0 buys in the last 6 months
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

BWB vs UNTY: Head-to-Head Comparison

This page compares Bridgewater Bancshares, Inc. (BWB) and Unity Bancorp, Inc. (UNTY) 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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