Logo image of BWFG

BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

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

37.39  +0.47 (+1.27%)

After market: 37.39 0 (0%)

Fundamental Rating

4

Overall BWFG gets a fundamental rating of 4 out of 10. We evaluated BWFG 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

BWFG had positive earnings in the past year.
BWFG had a positive operating cash flow in the past year.
In the past 5 years BWFG has always been profitable.
BWFG had a positive operating cash flow in 4 of the past 5 years.
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 has a worse Return On Assets (0.51%) than 75.76% of its industry peers.
The Return On Equity of BWFG (5.91%) is worse than 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 75.76% of its industry peers.
In the last couple of years the Profit Margin of BWFG has declined.
The Operating Margin and Gross Margin are not available for BWFG so they could not be analyzed.
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.
Compared to 1 year ago, BWFG has an improved debt to assets ratio.
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.
With a Debt to FCF ratio value of 2.87, BWFG is not doing good in the industry: 61.87% of the companies in the same industry are doing better.
BWFG has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
BWFG's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. BWFG is outperformed by 65.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.4%
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

BWFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -59.11%.
Measured over the past years, BWFG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.72% on average per year.
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

BWFG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 105.01% yearly.
Based on estimates for the next years, BWFG will show a quite strong growth in Revenue. The Revenue will grow by 14.50% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

Based on the Price/Earnings ratio of 23.82, the valuation of BWFG can be described as rather expensive.
82.58% of the companies in the same industry are cheaper than BWFG, based on the Price/Earnings ratio.
BWFG is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.54, the valuation of BWFG can be described as very cheap.
BWFG's Price/Forward Earnings ratio is rather cheap when compared to the industry. BWFG is cheaper than 86.36% of the companies in the same industry.
BWFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.
Industry RankSector Rank
PE 23.82
Fwd PE 7.54
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 12.16
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)0.1
PEG (5Y)N/A
EPS Next 2Y105.01%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

BWFG has a Yearly Dividend Yield of 2.11%. Purely for dividend investing, there may be better candidates out there.
BWFG's Dividend Yield is slightly below the industry average, which is at 3.27.
Compared to an average S&P500 Dividend Yield of 2.35, BWFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.11%

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

More info and screens

BANKWELL FINANCIAL GROUP INC

NASDAQ:BWFG (7/25/2025, 8:00:01 PM)

After market: 37.39 0 (0%)

37.39

+0.47 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners50.44%
Inst Owner Change0.15%
Ins Owners10.34%
Ins Owner Change3.46%
Market Cap294.26M
Analysts77.78
Price Target41.06 (9.82%)
Short Float %1.76%
Short Ratio7.12
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
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 23.82
Fwd PE 7.54
P/S 2.66
P/FCF 12.16
P/OCF 11.85
P/B 1.07
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.57
EY4.2%
EPS(NY)4.96
Fwd EY13.26%
FCF(TTM)3.08
FCFY8.23%
OCF(TTM)3.16
OCFY8.44%
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
WACC7.4%
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 Y229.19%
EPS Next 2Y105.01%
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 Year14.99%
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%