47.75 USD
-0.37 (-0.77%)
49.9 USD
+2.15 (+4.5%)
We assign a fundamental rating of 4 out of 10 to BWFG. BWFG was compared to 388 industry peers in the Banks industry. BWFG has a bad profitability rating. Also its financial health evaluation is rather negative. BWFG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
BWFG had positive earnings in the past year.
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.
1.2 Ratios
BWFG has a Return On Assets of 0.88%. This is comparable to the rest of the industry: BWFG outperforms 47.94% of its industry peers.
With a decent Return On Equity value of 9.77%, BWFG is doing good in the industry, outperforming 61.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.77% | ||
| 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
BWFG's Profit Margin of 28.83% is fine compared to the rest of the industry. BWFG outperforms 73.45% of its industry peers.
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) | 28.83% | ||
| 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.
Compared to 1 year ago, BWFG has less shares outstanding
BWFG has less shares outstanding than it did 5 years ago.
BWFG has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BWFG is 2.04, which is a good value as it means it would take BWFG, 2.04 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BWFG (2.04) is comparable to the rest of the industry.
BWFG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
BWFG has a Debt to Equity ratio of 0.24. This is in the lower half of the industry: BWFG underperforms 62.63% of its industry peers.
Although BWFG does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 2.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.31%
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.
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)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
The Earnings Per Share is expected to grow by 68.49% on average over the next years. This is a very strong growth
BWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.58% yearly.
EPS Next Y287.57%
EPS Next 2Y111.64%
EPS Next 3Y68.49%
EPS Next 5YN/A
Revenue Next Year20.61%
Revenue Next 2Y17.11%
Revenue Next 3Y13.58%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.23, the valuation of BWFG can be described as correct.
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 26.59.
A Price/Forward Earnings ratio of 9.03 indicates a reasonable valuation of BWFG.
Based on the Price/Forward Earnings ratio, BWFG is valued a bit cheaper than 78.09% of the companies in the same industry.
BWFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 9.03 |
4.2 Price Multiples
BWFG's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BWFG's 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 68.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y111.64%
EPS Next 3Y68.49%
5. Dividend
5.1 Amount
BWFG has a Yearly Dividend Yield of 1.56%.
BWFG's Dividend Yield is slightly below the industry average, which is at 2.74.
BWFG's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
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
5.3 Sustainability
BWFG pays out 21.92% of its income as dividend. This is a sustainable payout ratio.
The dividend of BWFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.92%
EPS Next 2Y111.64%
EPS Next 3Y68.49%
47.75
-0.37 (-0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.48%
Inst Owner Change10.51%
Ins Owners10.49%
Ins Owner Change0.88%
Market Cap376.27M
Revenue(TTM)99.16M
Net Income(TTM)28.59M
Analysts77.78
Price TargetN/A
Short Float %2.37%
Short Ratio5.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP21.92%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.66%
Min EPS beat(2)17.43%
Max EPS beat(2)33.9%
EPS beat(4)3
Avg EPS beat(4)4.05%
Min EPS beat(4)-51.66%
Max EPS beat(4)33.9%
EPS beat(8)6
Avg EPS beat(8)54.71%
EPS beat(12)9
Avg EPS beat(12)41.13%
EPS beat(16)13
Avg EPS beat(16)36.19%
Revenue beat(2)2
Avg Revenue beat(2)3.55%
Min Revenue beat(2)2.44%
Max Revenue beat(2)4.66%
Revenue beat(4)3
Avg Revenue beat(4)0.71%
Min Revenue beat(4)-6.23%
Max Revenue beat(4)4.66%
Revenue beat(8)5
Avg Revenue beat(8)0.22%
Revenue beat(12)9
Avg Revenue beat(12)2.55%
Revenue beat(16)11
Avg Revenue beat(16)3.08%
PT rev (1m)0%
PT rev (3m)10.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.21%
EPS NY rev (1m)2.67%
EPS NY rev (3m)6.12%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 9.03 | ||
| P/S | 3.79 | ||
| P/FCF | 11.03 | ||
| P/OCF | 10.74 | ||
| P/B | 1.29 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.61
EY7.56%
EPS(NY)5.29
Fwd EY11.07%
FCF(TTM)4.33
FCFY9.07%
OCF(TTM)4.45
OCFY9.31%
SpS12.58
BVpS37.16
TBVpS36.83
PEG (NY)0.05
PEG (5Y)N/A
Graham Number54.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.77% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.83% | ||
| GM | N/A | ||
| FCFM | 34.4% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 2.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.22% | ||
| Cap/Sales | 0.93% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.31%
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 Y287.57%
EPS Next 2Y111.64%
EPS Next 3Y68.49%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.88%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%30.22%
Revenue Next Year20.61%
Revenue Next 2Y17.11%
Revenue Next 3Y13.58%
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-28.52%
FCF growth 3Y-5.33%
FCF growth 5Y37.44%
OCF growth 1Y-30.11%
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 3 / 10.
How financially healthy is BANKWELL FINANCIAL GROUP INC?
The financial health rating of BANKWELL FINANCIAL GROUP INC (BWFG) is 3 / 10.
Can you provide the dividend sustainability for BWFG stock?
The dividend rating of BANKWELL FINANCIAL GROUP INC (BWFG) is 6 / 10 and the dividend payout ratio is 21.92%.