BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

NASDAQ:BWFG • US06654A1034

48.31 USD
-0.12 (-0.25%)
Last: Feb 19, 2026, 01:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall BWFG gets a fundamental rating of 5 out of 10. We evaluated BWFG against 381 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years BWFG has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.88%, BWFG is in line with its industry, outperforming 47.77% of the companies in the same industry.
  • BWFG has a better Return On Equity (9.77%) than 60.63% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 9.77%
ROIC N/A
ROA(3y)0.81%
ROA(5y)0.93%
ROE(3y)9.5%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
BWFG Yearly ROA, ROE, ROICBWFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of BWFG (28.83%) is better than 72.44% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 28.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.99%
PM growth 5Y26.12%
GM growth 3YN/A
GM growth 5YN/A
BWFG Yearly Profit, Operating, Gross MarginsBWFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 more shares outstanding
  • Compared to 5 years ago, BWFG has about the same amount of shares outstanding.
  • Compared to 1 year ago, BWFG has an improved debt to assets ratio.
BWFG Yearly Shares OutstandingBWFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
BWFG Yearly Total Debt VS Total AssetsBWFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • BWFG has a debt to FCF ratio of 2.04. This is a good value and a sign of high solvency as BWFG would need 2.04 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.04, BWFG is in line with its industry, outperforming 47.24% of the companies in the same industry.
  • A Debt/Equity ratio of 0.24 indicates that BWFG is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.24, BWFG is not doing good in the industry: 61.68% of the companies in the same industry are doing better.
  • Even though the debt/equity ratio score it not favorable for BWFG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.04
Altman-Z N/A
ROIC/WACCN/A
WACC7.23%
BWFG Yearly LT Debt VS Equity VS FCFBWFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • BWFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 276.27%, which is quite impressive.
  • Measured over the past years, BWFG shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.71% on average per year.
  • The Revenue has decreased by -0.68% in the past year.
  • The Revenue has been growing by 13.42% on average over the past years. This is quite good.
EPS 1Y (TTM)276.27%
EPS 3Y-2.63%
EPS 5Y42.71%
EPS Q2Q%259.37%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y3.47%
Revenue growth 5Y13.42%
Sales Q2Q%43.28%

3.2 Future

  • Based on estimates for the next years, BWFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.07% on average per year.
  • The Revenue is expected to grow by 11.30% on average over the next years. This is quite good.
EPS Next Y19.46%
EPS Next 2Y12.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.63%
Revenue Next 2Y11.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
BWFG Yearly Revenue VS EstimatesBWFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
BWFG Yearly EPS VS EstimatesBWFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.88 indicates a reasonable valuation of BWFG.
  • Based on the Price/Earnings ratio, BWFG is valued a bit cheaper than the industry average as 74.80% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of BWFG to the average of the S&P500 Index (27.27), we can say BWFG is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.11 indicates a reasonable valuation of BWFG.
  • BWFG's Price/Forward Earnings ratio is rather cheap when compared to the industry. BWFG is cheaper than 81.63% 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 28.16.
Industry RankSector Rank
PE 10.88
Fwd PE 9.11
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

  • 62.73% of the companies in the same industry are more expensive than BWFG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.19
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 12.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)0.25
EPS Next 2Y12.07%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • BWFG has a Yearly Dividend Yield of 1.65%. Purely for dividend investing, there may be better candidates out there.
  • BWFG's Dividend Yield is slightly below the industry average, which is at 2.78.
  • BWFG's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.65%

5.2 History

  • The dividend of BWFG is nicely growing with an annual growth rate of 8.96%!
  • BWFG has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

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 2Y12.07%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/19/2026, 1:06:16 PM)

48.31

-0.12 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners56.74%
Inst Owner Change-1.14%
Ins Owners10.5%
Ins Owner Change3.1%
Market Cap381.65M
Revenue(TTM)108.32M
Net Income(TTM)28.59M
Analysts77.78
Price Target53.04 (9.79%)
Short Float %2.49%
Short Ratio3.8
Dividend
Industry RankSector Rank
Dividend Yield 1.65%
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP21.92%
Div Incr Years0
Div Non Decr Years9
Ex-Date02-10
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)4.52%
PT rev (3m)4.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.5%
Revenue NY rev (1m)2.56%
Revenue NY rev (3m)2.72%
Valuation
Industry RankSector Rank
PE 10.88
Fwd PE 9.11
P/S 3.85
P/FCF 11.19
P/OCF 10.89
P/B 1.3
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)4.44
EY9.19%
EPS(NY)5.3
Fwd EY10.98%
FCF(TTM)4.32
FCFY8.94%
OCF(TTM)4.44
OCFY9.18%
SpS12.55
BVpS37.06
TBVpS36.73
PEG (NY)0.56
PEG (5Y)0.25
Graham Number60.85
Profitability
Industry RankSector 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)0.81%
ROA(5y)0.93%
ROE(3y)9.5%
ROE(5y)11.35%
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-4.99%
PM growth 5Y26.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector 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-Score7
WACC7.23%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)276.27%
EPS 3Y-2.63%
EPS 5Y42.71%
EPS Q2Q%259.37%
EPS Next Y19.46%
EPS Next 2Y12.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y3.47%
Revenue growth 5Y13.42%
Sales Q2Q%43.28%
Revenue Next Year16.63%
Revenue Next 2Y11.3%
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 1Y138.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y132.09%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 10 to BWFG.


What is the valuation status for 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 4 / 10.


What is the expected EPS growth for BANKWELL FINANCIAL GROUP INC (BWFG) stock?

The Earnings per Share (EPS) of BANKWELL FINANCIAL GROUP INC (BWFG) is expected to grow by 19.46% in the next year.


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%.