BANKWELL FINANCIAL GROUP INC (BWFG)
US06654A1034 - Common Stock
We assign a fundamental rating of 4 out of 10 to BWFG. BWFG was compared to 411 industry peers in the Banks industry. While BWFG is still in line with the averages on profitability rating, there are concerns on its financial health. BWFG has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
BWFG had positive earnings in each of the past 5 years.
BWFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.11%, BWFG is doing good in the industry, outperforming 71.78% of the companies in the same industry.
BWFG has a better Return On Equity (13.44%) than 85.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 13.44% | ||
| ROIC | N/A |
ROA(3y)1.1%
ROA(5y)0.9%
ROE(3y)13.9%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 35.96%, BWFG belongs to the best of the industry, outperforming 89.78% of the companies in the same industry.
BWFG's Profit Margin has improved 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) | 35.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y52.86%
PM growth 5Y4.71%
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.
BWFG has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BWFG has been increased compared to 5 years ago.
The debt/assets ratio for BWFG is higher compared to a year ago.
2.2 Solvency
BWFG has a debt to FCF ratio of 2.32. This is a good value and a sign of high solvency as BWFG would need 2.32 years to pay back of all of its debts.
BWFG has a Debt to FCF ratio (2.32) which is comparable to the rest of the industry.
BWFG has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
BWFG's Debt to Equity ratio of 0.26 is in line compared to the rest of the industry. BWFG outperforms 46.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BWFG have decreased by -2.49% in the last year.
The Earnings Per Share has been growing by 14.34% on average over the past years. This is quite good.
Looking at the last year, BWFG shows a small growth in Revenue. The Revenue has grown by 1.57% in the last year.
The Revenue has been growing by 10.52% on average over the past years. This is quite good.
EPS 1Y (TTM)-2.49%
EPS 3Y84.23%
EPS 5Y14.34%
EPS growth Q2Q4.81%
Revenue 1Y (TTM)1.57%
Revenue growth 3Y19.83%
Revenue growth 5Y10.52%
Revenue growth Q2Q-14.51%
3.2 Future
BWFG is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.30% yearly.
The Revenue is expected to grow by 1.31% on average over the next years.
EPS Next Y-34.5%
EPS Next 2Y-10.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.2%
Revenue Next 2Y1.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BWFG is valuated cheaply with a Price/Earnings ratio of 5.08.
Compared to the rest of the industry, the Price/Earnings ratio of BWFG indicates a rather cheap valuation: BWFG is cheaper than 95.86% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 24.92. BWFG is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.76 indicates a rather cheap valuation of BWFG.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaply inside the industry as 83.21% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BWFG to the average of the S&P500 Index (21.49), we can say BWFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.08 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BWFG indicates a somewhat cheap valuation: BWFG is cheaper than 75.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BWFG's earnings are expected to decrease with -10.30% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y-10.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.20%, BWFG has a reasonable but not impressive dividend return.
BWFG's Dividend Yield is comparable with the industry average which is at 3.81.
BWFG's Dividend Yield is a higher than the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
5.2 History
The dividend of BWFG is nicely growing with an annual growth rate of 10.69%!
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)10.69%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
17.47% of the earnings are spent on dividend by BWFG. This is a low number and sustainable payout ratio.
DP17.47%
EPS Next 2Y-10.3%
EPS Next 3YN/A
BANKWELL FINANCIAL GROUP INC
NASDAQ:BWFG (4/26/2024, 7:00:00 PM)
After market: 23.84 0 (0%)23.84
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap189.29M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.08 | ||
| Fwd PE | 7.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 13.44% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 35.96% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-2.49%
EPS 3Y84.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y-34.5%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.57%
Revenue growth 3Y19.83%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y