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BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

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

39.82  +2.43 (+6.5%)

Fundamental Rating

3

Overall BWFG gets a fundamental rating of 3 out of 10. We evaluated BWFG against 393 industry peers in the Banks industry. BWFG has a bad profitability rating. Also its financial health evaluation is rather negative. BWFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BWFG was profitable.
BWFG had a positive operating cash flow in the past year.
Each year in the past 5 years BWFG has been profitable.
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

BWFG's Return On Assets of 0.51% is on the low side compared to the rest of the industry. BWFG is outperformed by 75.06% of its industry peers.
Looking at the Return On Equity, with a value of 5.91%, BWFG is doing worse than 70.74% of the companies in the same industry.
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's Profit Margin of 14.72% is on the low side compared to the rest of the industry. BWFG is outperformed by 75.57% 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

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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.
Compared to 5 years ago, BWFG has less shares outstanding
BWFG has a better debt/assets ratio than last year.
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 62.09% 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 65.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.41%
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

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5

3. Growth

3.1 Past

The earnings per share for BWFG have decreased strongly by -12.84% in the last year.
The earnings per share for BWFG have been decreasing by -12.72% on average. This is quite bad
BWFG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.40%.
BWFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.08% yearly.
EPS 1Y (TTM)-12.84%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%721.43%
Revenue 1Y (TTM)-12.4%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%27.83%

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 105.01% on average per year.
BWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.50% yearly.
EPS Next Y229.19%
EPS Next 2Y105.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.99%
Revenue Next 2Y14.5%
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

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5

4. Valuation

4.1 Price/Earnings Ratio

BWFG is valuated correctly with a Price/Earnings ratio of 15.43.
BWFG's Price/Earnings ratio is a bit more expensive when compared to the industry. BWFG is more expensive than 69.47% of the companies in the same industry.
BWFG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.93.
The Price/Forward Earnings ratio is 8.03, which indicates a very decent valuation of BWFG.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaper than 81.93% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.78. BWFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.43
Fwd PE 8.03
BWFG Price Earnings VS Forward Price EarningsBWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BWFG.
Industry RankSector Rank
P/FCF 12.95
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 105.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y105.01%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

BWFG has a Yearly Dividend Yield of 2.14%.
Compared to an average industry Dividend Yield of 3.40, BWFG is paying slightly less dividend.
BWFG's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.14%

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.
BWFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.54%
EPS Next 2Y105.01%
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

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BANKWELL FINANCIAL GROUP INC

NASDAQ:BWFG (7/28/2025, 8:11:54 PM)

39.82

+2.43 (+6.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners50.44%
Inst Owner Change0.15%
Ins Owners10.34%
Ins Owner Change3.46%
Market Cap313.38M
Analysts77.78
Price Target41.06 (3.11%)
Short Float %1.76%
Short Ratio7.12
Dividend
Industry RankSector Rank
Dividend Yield 2.14%
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)-4.17%
PT rev (3m)0.63%
EPS NQ rev (1m)4.47%
EPS NQ rev (3m)-2.55%
EPS NY rev (1m)2.51%
EPS NY rev (3m)2.68%
Revenue NQ rev (1m)0.43%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.4%
Valuation
Industry RankSector Rank
PE 15.43
Fwd PE 8.03
P/S 2.83
P/FCF 12.95
P/OCF 12.62
P/B 1.14
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)2.58
EY6.48%
EPS(NY)4.96
Fwd EY12.45%
FCF(TTM)3.08
FCFY7.72%
OCF(TTM)3.16
OCFY7.92%
SpS14.05
BVpS34.97
TBVpS34.64
PEG (NY)0.07
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
WACC7.41%
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)-12.84%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%721.43%
EPS Next Y229.19%
EPS Next 2Y105.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.4%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%27.83%
Revenue Next Year14.99%
Revenue Next 2Y14.5%
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%