STAAR Surgical Q1 2026: Early Signs Of A Durable Turnaround
STAAR Surgical Company delivered a robust 1Q26 beat, with revenue up 119% YoY to $93.5M and a swing…
seekingalpha.com
BWB(BWB)
BWB
Next earnings: Jul 22, 2026 · After close
Signal
Mixed1↑1↓
PRICE
Prev Close
18.19
Open
18.22
Day Range17.96 – 18.22
17.96
18.22
52W Range14.35 – 20.30
14.35
20.30
61% of range
VOLUME & SIZE
Avg Volume
66.5K
FUNDAMENTALS
P/E Ratio
10.2x
Value territory
EPS (TTM)
—
Div Yield
No dividend
Beta
0.51
Low vol
Performance
1D
+0.33%5D
-1.41%1M
-3.76%3M↓
-5.21%6M
+8.53%YTD
+3.76%1Y↑
+15.20%Best: 1Y (+15.20%)Worst: 3M (-5.21%)
Quick Read
Trend—Insufficient MA data
Momentum
BULLISH
revenue +17% YoY · 50% gross marginValuation
CHEAP
P/E 10x vs ~20x sectorHealth
MODERATE
CR 0.1 (low) · FCF $1.05/shStrong Buy
Key MetricsTTM
Market Cap$501.62M
Revenue TTM$303.66M
Net Income TTM$53.86M
Free Cash Flow$29.20M
Gross Margin50.1%
Net Margin17.7%
Operating Margin23.6%
Return on Equity10.7%
Return on Assets1.0%
Debt / Equity0.84
Current Ratio0.13
EPS TTM$1.94
Alpha SignalsFull Analysis →
What Moves This Stock
Net interest margin expansion or compression driven by Fed policy and deposit pricing competition
Loan portfolio growth rates in commercial real estate and C&I segments within Minnesota/Midwest markets
Credit quality metrics - non-performing assets, charge-offs, and provision expense relative to peers
Deposit growth and funding mix shifts between non-interest bearing, interest-bearing, and wholesale funding
Macro Sensitivity
Economic Cycle
high - Regional commercial banks are highly cyclical. Loan demand correlates with business investment and commercial real estate activity in the Midwest. Credit losses spike during recessions as commercial borrowers face cash flow stress. The 40.4% net income growth reflects strong 2025 economic conditions, but earnings could contract sharply in a downturn. Commercial real estate exposure adds cyclicality given sensitivity to property values and occupancy rates.
Interest Rates
Asset-sensitive positioning benefits from higher rates through expanding net interest margins, as loan yields reprice faster than deposit costs. However, the Fed's current pause or potential cuts from February 2026 forward could compress margins if deposit competition remains intense. The yield curve shape matters significantly - a steeper curve (wider 10Y-2Y spread) improves profitability by allowing banks to borrow short and lend long. Inverted or flat curves pressure margins.
Key Risks
Commercial real estate market stress from office sector weakness, remote work trends reducing demand for traditional office space in secondary Midwest markets
Regulatory burden and compliance costs disproportionately impact sub-$10B banks, limiting scale advantages versus larger regional competitors
Disintermediation risk from fintech lenders and national banks offering competitive commercial lending products with faster digital processes
Investor Profile
value - The 1.0x price-to-book valuation and 1.8x price-to-sales suggest the stock trades at tangible book value, attracting value investors seeking regional bank exposure at reasonable valuations. The 31.4% one-year return indicates momentum investors have participated in the rate-driven rally. The 9.4% ROE is below peer averages, suggesting operational improvement potential. Not a dividend story given growth reinvestment needs.
Watch on Earnings
Federal Funds Rate and forward guidance on Fed policy trajectory10Y-2Y Treasury yield curve spread as indicator of banking sector profitabilityMinnesota and Midwest regional unemployment rates as leading indicator of credit qualityCommercial real estate vacancy rates and cap rates in Twin Cities metro area
Health Radar
1 strong1 watch4 concern
24/100Liquidity
0.13Concern
Leverage
0.84Strong
Coverage
0.5xConcern
ROE
10.7%Watch
ROIC
5.4%Concern
Cash
$124MConcern
ANALYST COVERAGE4 analysts
BUY
▲ +30.6%upside to target
L $23.00
Med $23.50consensus
H $24.00Stock Health
Composite Score
3 of 5 signals bullish
7/10
Technicals
●
✓RSI RangeRSI 51 — Bullish momentum
Volume
●
✓Volume FlowAccumulation — institutional buying
Fundamentals
●
✗Last EarningsMissed estimates
●
✓Analyst ConsensusBuy
●
✗LiquidityCurrent Ratio 0.13 — liquidity risk
Upcoming Events
EEarnings Report · Before OpenMay 17, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 90 days
PDividend PaymentAug 27, 2026
In 103 days
FinancialsFull statements →
Technicals
Technical SetupBEARISH
Technicals →Trend
→ PullbackGolden Cross · 50D leads 200D by 7.4%
-3.0% vs SMA 50 · +4.2% vs SMA 200
Momentum
RSI50.8Neutral territory
MACD-0.03Below zero — bearish pulse · expanding
Market Position
Price Levels
52W High
$20.30+12.8%
EMA 50
$18.18+1.1%
Current
$17.99
EMA 200
$17.14-4.7%
52W Low
$14.35-20.2%
52-Week RangeMid-range
$14.3561th %ile$20.30
Squeeze SetupVolume-based
Moderate Squeeze SetupAccumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
20-Day Money Flow
Acc days:3
Dist days:2
Edge:+1 acc
Volume Context
Avg Vol (50D)69K
Recent Vol (5D)
55K-19%
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Earnings & Analysts
ANALYST ESTIMATES
Consensus of 3 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $106.3M $104.6M–$109.2M | — | $1.10 | — | ±3% | Low1 |
FY2024 | $108.6M $106.8M–$111.6M | ▲ +2.2% | $0.99 | ▼ -9.4% | ±2% | Low2 |
FY2025 | $142.8M $140.5M–$146.7M | ▲ +31.5% | $1.49 | ▲ +49.8% | ±3% | Moderate3 |
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryBWB
Last 8Q
+6.4%avg beat
Beat 6 of 8 quartersMissed 2↑ Estimates rising+8%
Q3'24
+17%
Q4'24
+13%
Q1'25
+10%
Q2'25
+6%
Q3'25
-5%
Q4'25
+5%
Q1'26
-2%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Insider Activity
SEC Filings →1 Buy/5 SellsNet Selling
NET SELLERS$4K bought · $446K sold · 30d window
Crocker Mary JayneDir
$4K
May 11
BUY
Salazar Lisa MCOO
$77K
May 8
SELL
Shellberg Jeffrey D.Dir
$171K
May 6
SELL
Shellberg Jeffrey D.Dir
$151K
May 7
SELL
Shellberg Jeffrey D.Dir
$1K
May 1
SELL
Shellberg Jeffrey D.Dir
$46K
Apr 29
SELL
Financials
INSTITUTIONAL OWNERSHIP
1
THRIVENT FINANCIAL FOR LUTHERANS
2.3M▼2
BlackRock, Inc.
1.6M▼3
ALLIANCEBERNSTEIN L.P.
1.3M▼4
DIMENSIONAL FUND ADVISORS LP
1.1M▲5
AMERICAN CENTURY COMPANIES INC
618K▲6
GEODE CAPITAL MANAGEMENT, LLC
496K▼7
STATE STREET CORP
454K▼8
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
435K▼News & Activity
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About
bridgewater bank is committed to being the finest entrepreneurial bank in the twin cities. providing simple banking solutions and responsive service to consumer and commercial clients in an unconventional banking environment sets this dynamic young bank apart from its peers. a large shareholder base is primarily comprised of successful real estate and seasoned small business entrepreneurs. offering an owner's perspective, the managing founders deliver unparalleled industry knowledge and dedication to meeting the unique needs of each individual client.
Sector
Industry
Monetary Authorities-Central Bank
CEO
Jerry Baack
Daniel D. PoppeSenior Vice President of Commercial Banking
Joseph ChybowskiPresident & Chief Financial Officer
Peers— Financial Services(7 companies)
Screen sector →| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
BWB◀ | $17.99 | +0.33% | $502M | 9.3 | +1598.2% | 1580.4% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.26% | — | 17.7 | +809.8% | 2518.7% | 1506 |