Logo image of BWFG

BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

NASDAQ:BWFG - Nasdaq - US06654A1034 - Common Stock - Currency: USD

34.81  -1.07 (-2.98%)

After market: 34.81 0 (0%)

Fundamental Rating

4

BWFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BWFG may be in some trouble as it scores bad on both profitability and health. BWFG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
Of the past 5 years BWFG 4 years had a positive operating cash flow.
BWFG Yearly Net Income VS EBIT VS OCF VS FCFBWFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.51%, BWFG is not doing good in the industry: 75.76% of the companies in the same industry are doing better.
BWFG's Return On Equity of 5.91% is on the low side compared to the rest of the industry. BWFG is outperformed by 70.96% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 5.91%
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
BWFG Yearly ROA, ROE, ROICBWFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BWFG has a Profit Margin of 14.72%. This is in the lower half of the industry: BWFG underperforms 76.01% of its industry peers.
In the last couple of years the Profit Margin of BWFG has declined.
BWFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.72%
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
BWFG Yearly Profit, Operating, Gross MarginsBWFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

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.
BWFG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BWFG has been reduced compared to a year ago.
BWFG Yearly Shares OutstandingBWFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
BWFG Yearly Total Debt VS Total AssetsBWFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BWFG is 2.87, which is a good value as it means it would take BWFG, 2.87 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BWFG (2.87) is worse than 62.63% 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 worse Debt to Equity ratio (0.25) than 65.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.73%
BWFG Yearly LT Debt VS Equity VS FCFBWFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BWFG Yearly Current Assets VS Current LiabilitesBWFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

More info and screens

6

3. Growth

3.1 Past

The earnings per share for BWFG have decreased strongly by -59.11% in the last year.
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 quite strong growth in Revenue. The Revenue has grown by 17.25% 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)-59.11%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%81.25%
Revenue 1Y (TTM)17.25%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%6.84%

3.2 Future

Based on estimates for the next years, BWFG will show a very strong growth in Earnings Per Share. The EPS will grow by 103.84% on average per year.
BWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.09% yearly.
EPS Next Y221.13%
EPS Next 2Y103.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.43%
Revenue Next 2Y14.09%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BWFG Yearly Revenue VS EstimatesBWFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
BWFG Yearly EPS VS EstimatesBWFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 22.17 indicates a rather expensive valuation of BWFG.
Compared to the rest of the industry, the Price/Earnings ratio of BWFG indicates a rather expensive valuation: BWFG more expensive than 82.32% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, BWFG is valued at the same level.
BWFG is valuated cheaply with a Price/Forward Earnings ratio of 7.10.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaper than 86.62% of the companies in the same industry.
BWFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.17
Fwd PE 7.1
BWFG Price Earnings VS Forward Price EarningsBWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BWFG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.32
EV/EBITDA N/A
BWFG Per share dataBWFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
BWFG's earnings are expected to grow with 103.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y103.84%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.23%, BWFG has a reasonable but not impressive dividend return.
BWFG's Dividend Yield is slightly below the industry average, which is at 3.48.
Compared to an average S&P500 Dividend Yield of 2.40, BWFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

On average, the dividend of BWFG grows each year by 8.96%, which is quite nice.
BWFG has been paying a dividend for at least 10 years, so it has a reliable track record.
BWFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.96%
Div Incr Years0
Div Non Decr Years9
BWFG Yearly Dividends per shareBWFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

38.54% of the earnings are spent on dividend by BWFG. This is a low number and sustainable payout ratio.
The dividend of BWFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.54%
EPS Next 2Y103.84%
EPS Next 3YN/A
BWFG Yearly Income VS Free CF VS DividendBWFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
BWFG Dividend Payout.BWFG Dividend Payout, showing the Payout Ratio.BWFG Dividend Payout.PayoutRetained Earnings

More info and screens

BANKWELL FINANCIAL GROUP INC

NASDAQ:BWFG (6/13/2025, 8:00:02 PM)

After market: 34.81 0 (0%)

34.81

-1.07 (-2.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners50.44%
Inst Owner Change1.21%
Ins Owners10.34%
Ins Owner Change4.02%
Market Cap273.95M
Analysts82.86
Price Target42.84 (23.07%)
Short Float %1.57%
Short Ratio7.67
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP38.54%
Div Incr Years0
Div Non Decr Years9
Ex-Date05-09 2025-05-09 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-17.57%
Min EPS beat(2)-51.66%
Max EPS beat(2)16.52%
EPS beat(4)3
Avg EPS beat(4)99.41%
Min EPS beat(4)-51.66%
Max EPS beat(4)394.12%
EPS beat(8)6
Avg EPS beat(8)54.22%
EPS beat(12)9
Avg EPS beat(12)41.93%
EPS beat(16)13
Avg EPS beat(16)33.65%
Revenue beat(2)1
Avg Revenue beat(2)-2.14%
Min Revenue beat(2)-6.23%
Max Revenue beat(2)1.95%
Revenue beat(4)1
Avg Revenue beat(4)-3.57%
Min Revenue beat(4)-6.74%
Max Revenue beat(4)1.95%
Revenue beat(8)5
Avg Revenue beat(8)0.27%
Revenue beat(12)9
Avg Revenue beat(12)3.58%
Revenue beat(16)11
Avg Revenue beat(16)3.02%
PT rev (1m)0%
PT rev (3m)5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 22.17
Fwd PE 7.1
P/S 2.48
P/FCF 11.32
P/OCF 11.03
P/B 1
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.57
EY4.51%
EPS(NY)4.9
Fwd EY14.09%
FCF(TTM)3.08
FCFY8.84%
OCF(TTM)3.16
OCFY9.06%
SpS14.05
BVpS34.97
TBVpS34.64
PEG (NY)0.1
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 5.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.72%
GM N/A
FCFM 21.89%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.87
Debt/EBITDA N/A
Cap/Depr 16.46%
Cap/Sales 0.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.73%
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)-59.11%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%81.25%
EPS Next Y221.13%
EPS Next 2Y103.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.25%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%6.84%
Revenue Next Year14.43%
Revenue Next 2Y14.09%
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-61.54%
FCF growth 3Y-5.33%
FCF growth 5Y37.44%
OCF growth 1Y-63.36%
OCF growth 3Y-4.68%
OCF growth 5Y35.19%