BANKWELL FINANCIAL GROUP INC (BWFG) Fundamental Analysis & Valuation

NASDAQ:BWFG • US06654A1034

Current stock price

47.41 USD
+0.94 (+2.02%)
At close:
47.41 USD
0 (0%)
After Hours:

This BWFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BWFG Profitability Analysis

1.1 Basic Checks

  • BWFG had positive earnings in the past year.
  • BWFG had a positive operating cash flow in the past year.
  • BWFG had positive earnings in each of the past 5 years.
  • BWFG had a positive operating cash flow in each 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

  • BWFG has a Return On Assets of 1.03%. This is comparable to the rest of the industry: BWFG outperforms 59.47% of its industry peers.
  • BWFG has a Return On Equity of 11.52%. This is in the better half of the industry: BWFG outperforms 76.58% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 11.52%
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

  • Looking at the Profit Margin, with a value of 32.08%, BWFG belongs to the top of the industry, outperforming 83.95% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BWFG has grown nicely.
  • 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) 32.08%
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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2

2. BWFG Health Analysis

2.1 Basic Checks

  • BWFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BWFG has more shares outstanding than it did 1 year ago.
  • BWFG has about the same amout of shares outstanding than it did 5 years ago.
  • BWFG has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of BWFG is 2.57, which is a good value as it means it would take BWFG, 2.57 years of fcf income to pay off all of its debts.
  • BWFG has a Debt to FCF ratio of 2.57. This is comparable to the rest of the industry: BWFG outperforms 43.95% of its industry peers.
  • BWFG has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.23, BWFG is doing worse than 60.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.57
Altman-Z N/A
ROIC/WACCN/A
WACC7.36%
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. BWFG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 276.27% over the past year.
  • 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.
  • BWFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.42% yearly.
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

  • The Earnings Per Share is expected to grow by 12.07% on average over the next years. This is quite good.
  • BWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.30% yearly.
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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6

4. BWFG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.68, the valuation of BWFG can be described as reasonable.
  • 65.53% of the companies in the same industry are more expensive than BWFG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.54, BWFG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.94, the valuation of BWFG can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, BWFG is valued a bit cheaper than the industry average as 73.16% of the companies are valued more expensively.
  • BWFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 10.68
Fwd PE 8.94
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 13.95
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

  • 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 12.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
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. BWFG Dividend Analysis

5.1 Amount

  • BWFG has a Yearly Dividend Yield of 1.72%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, BWFG is paying slightly less dividend.
  • BWFG's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.72%

5.2 History

  • The dividend of BWFG is nicely growing with an annual growth rate of 7.43%!
  • 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)7.43%
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 18.04% 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.
DP18.04%
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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BWFG Fundamentals: All Metrics, Ratios and Statistics

BANKWELL FINANCIAL GROUP INC

NASDAQ:BWFG (3/23/2026, 5:20:02 PM)

After market: 47.41 0 (0%)

47.41

+0.94 (+2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners58.51%
Inst Owner Change4.91%
Ins Owners10.79%
Ins Owner Change3.71%
Market Cap378.33M
Revenue(TTM)108.32M
Net Income(TTM)34.74M
Analysts77.78
Price Target53.04 (11.88%)
Short Float %2.48%
Short Ratio5.27
Dividend
Industry RankSector Rank
Dividend Yield 1.72%
Yearly Dividend0.8
Dividend Growth(5Y)7.43%
DP18.04%
Div Incr Years0
Div Non Decr Years9
Ex-Date02-10
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.16%
Min EPS beat(2)-5.1%
Max EPS beat(2)17.43%
EPS beat(4)3
Avg EPS beat(4)15.69%
Min EPS beat(4)-5.1%
Max EPS beat(4)33.9%
EPS beat(8)5
Avg EPS beat(8)51.13%
EPS beat(12)9
Avg EPS beat(12)42.44%
EPS beat(16)12
Avg EPS beat(16)35.11%
Revenue beat(2)2
Avg Revenue beat(2)4.2%
Min Revenue beat(2)2.44%
Max Revenue beat(2)5.95%
Revenue beat(4)4
Avg Revenue beat(4)3.75%
Min Revenue beat(4)1.95%
Max Revenue beat(4)5.95%
Revenue beat(8)5
Avg Revenue beat(8)0.37%
Revenue beat(12)9
Avg Revenue beat(12)2.58%
Revenue beat(16)12
Avg Revenue beat(16)3.48%
PT rev (1m)0%
PT rev (3m)4.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.49%
EPS NY rev (1m)0%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
Industry RankSector Rank
PE 10.68
Fwd PE 8.94
P/S 3.49
P/FCF 13.95
P/OCF 13.38
P/B 1.25
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)4.44
EY9.37%
EPS(NY)5.3
Fwd EY11.19%
FCF(TTM)3.4
FCFY7.17%
OCF(TTM)3.54
OCFY7.47%
SpS13.57
BVpS37.78
TBVpS37.46
PEG (NY)0.55
PEG (5Y)0.25
Graham Number61.44
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.08%
GM N/A
FCFM 25.04%
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 0.23
Debt/FCF 2.57
Debt/EBITDA N/A
Cap/Depr 28.01%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.36%
ROIC/WACCN/A
Cap/Depr(3y)33.57%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.27%
Cap/Sales(5y)N/A
Profit Quality(3y)156.49%
Profit Quality(5y)162.84%
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 1Y-7.48%
FCF growth 3Y-29.59%
FCF growth 5YN/A
OCF growth 1Y-5.56%
OCF growth 3Y-30.07%
OCF growth 5YN/A

BANKWELL FINANCIAL GROUP INC / BWFG Fundamental Analysis 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 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 18.04%.