BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis
USA - NASDAQ:BWFG - US06654A1034 - Common Stock
43.35 USD
+0.08 (+0.18%)
43.35 USD
0 (0%)
Taking everything into account, BWFG scores 4 out of 10 in our fundamental rating. BWFG was compared to 390 industry peers in the Banks industry. BWFG may be in some trouble as it scores bad on both profitability and health. BWFG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BWFG was profitable.
In the past year BWFG had a positive cash flow from operations.
In the past 5 years BWFG has always been profitable.
BWFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BWFG's Return On Assets of 0.63% is on the low side compared to the rest of the industry. BWFG is outperformed by 67.95% of its industry peers.
Looking at the Return On Equity, with a value of 7.24%, BWFG is doing worse than 60.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 7.24% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.77%
ROE(5y)9.7%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.16%, BWFG perfoms like the industry average, outperforming 42.31% of the companies in the same industry.
BWFG's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BWFG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-32.41%
PM growth 5Y-18.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BWFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BWFG has been reduced compared to 1 year ago.
Compared to 5 years ago, BWFG has less shares outstanding
Compared to 1 year ago, BWFG has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BWFG is 2.96, which is a good value as it means it would take BWFG, 2.96 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BWFG (2.96) is worse than 60.77% of its industry peers.
BWFG has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
BWFG has a Debt to Equity ratio of 0.25. This is in the lower half of the industry: BWFG underperforms 63.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BWFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.13%, which is quite impressive.
BWFG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.72% yearly.
Looking at the last year, BWFG shows a very negative growth in Revenue. The Revenue has decreased by -10.88% in the last year.
Measured over the past years, BWFG shows a quite strong growth in Revenue. The Revenue has been growing by 8.08% on average per year.
EPS 1Y (TTM)85.13%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%429.17%
Revenue 1Y (TTM)-10.88%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%30.22%
3.2 Future
BWFG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 70.71% yearly.
Based on estimates for the next years, BWFG will show a quite strong growth in Revenue. The Revenue will grow by 16.96% on average per year.
EPS Next Y265.76%
EPS Next 2Y109.61%
EPS Next 3Y70.71%
EPS Next 5YN/A
Revenue Next Year19.51%
Revenue Next 2Y16.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BWFG is valuated correctly with a Price/Earnings ratio of 12.01.
Compared to the rest of the industry, the Price/Earnings ratio of BWFG is on the same level as its industry peers.
BWFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.10.
BWFG is valuated reasonably with a Price/Forward Earnings ratio of 8.36.
Based on the Price/Forward Earnings ratio, BWFG is valued a bit cheaper than 75.64% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BWFG to the average of the S&P500 Index (22.52), we can say BWFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 8.36 |
4.2 Price Multiples
BWFG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BWFG's earnings are expected to grow with 70.71% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y109.61%
EPS Next 3Y70.71%
5. Dividend
5.1 Amount
BWFG has a Yearly Dividend Yield of 1.85%.
Compared to an average industry Dividend Yield of 3.45, BWFG is paying slightly less dividend.
BWFG's Dividend Yield is slightly below the S&P500 average, which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
On average, the dividend of BWFG grows each year by 8.96%, which is quite nice.
BWFG has paid a dividend for at least 10 years, which is a reliable track record.
As BWFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.96%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
30.55% of the earnings are spent on dividend by BWFG. This is a low number and sustainable payout ratio.
BWFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.55%
EPS Next 2Y109.61%
EPS Next 3Y70.71%
43.35
+0.08 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.44%
Inst Owner Change0.21%
Ins Owners10.24%
Ins Owner Change-1.19%
Market Cap341.60M
Revenue(TTM)99.16M
Net Income(TTM)20.51M
Analysts77.78
Price Target50.75 (17.07%)
Short Float %2.38%
Short Ratio4.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP30.55%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.21%
Min EPS beat(2)16.52%
Max EPS beat(2)33.9%
EPS beat(4)3
Avg EPS beat(4)98.22%
Min EPS beat(4)-51.66%
Max EPS beat(4)394.12%
EPS beat(8)6
Avg EPS beat(8)56.5%
EPS beat(12)9
Avg EPS beat(12)40.74%
EPS beat(16)13
Avg EPS beat(16)35.36%
Revenue beat(2)2
Avg Revenue beat(2)3.31%
Min Revenue beat(2)1.95%
Max Revenue beat(2)4.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-6.23%
Max Revenue beat(4)4.66%
Revenue beat(8)5
Avg Revenue beat(8)0.19%
Revenue beat(12)9
Avg Revenue beat(12)2.95%
Revenue beat(16)11
Avg Revenue beat(16)3.01%
PT rev (1m)0%
PT rev (3m)11.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.57%
EPS NY rev (1m)0.19%
EPS NY rev (3m)11.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 8.36 | ||
| P/S | 3.69 | ||
| P/FCF | 14.52 | ||
| P/OCF | 14.14 | ||
| P/B | 1.21 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.61
EY8.33%
EPS(NY)5.18
Fwd EY11.96%
FCF(TTM)2.98
FCFY6.88%
OCF(TTM)3.07
OCFY7.07%
SpS11.75
BVpS35.95
TBVpS35.62
PEG (NY)0.05
PEG (5Y)N/A
Graham Number54.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 7.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.16% | ||
| GM | N/A | ||
| FCFM | 25.41% |
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.77%
ROE(5y)9.7%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-32.41%
PM growth 5Y-18.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 16.39% | ||
| Cap/Sales | 0.69% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.67% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.16%
ROIC/WACCN/A
Cap/Depr(3y)73.29%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.61%
Cap/Sales(5y)N/A
Profit Quality(3y)201.23%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)85.13%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%429.17%
EPS Next Y265.76%
EPS Next 2Y109.61%
EPS Next 3Y70.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.88%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%30.22%
Revenue Next Year19.51%
Revenue Next 2Y16.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.59%
FCF growth 3Y-5.33%
FCF growth 5Y37.44%
OCF growth 1Y-56.76%
OCF growth 3Y-4.68%
OCF growth 5Y35.19%
BANKWELL FINANCIAL GROUP INC / BWFG FAQ
What is the ChartMill fundamental rating of BANKWELL FINANCIAL GROUP INC (BWFG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BWFG.
What is the valuation status of BANKWELL FINANCIAL GROUP INC (BWFG) stock?
ChartMill assigns a valuation rating of 6 / 10 to BANKWELL FINANCIAL GROUP INC (BWFG). This can be considered as Fairly Valued.
How profitable is BANKWELL FINANCIAL GROUP INC (BWFG) stock?
BANKWELL FINANCIAL GROUP INC (BWFG) has a profitability rating of 2 / 10.
How financially healthy is BANKWELL FINANCIAL GROUP INC?
The financial health rating of BANKWELL FINANCIAL GROUP INC (BWFG) is 2 / 10.
Can you provide the dividend sustainability for BWFG stock?
The dividend rating of BANKWELL FINANCIAL GROUP INC (BWFG) is 5 / 10 and the dividend payout ratio is 30.55%.