BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis
NASDAQ:BWFG - Nasdaq - US06654A1034 - Common Stock - Currency: USD
Taking everything into account, BWFG scores 4 out of 10 in our fundamental rating. BWFG was compared to 396 industry peers in the Banks industry. BWFG may be in some trouble as it scores bad on both profitability and health. BWFG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year BWFG was profitable.
In the past year BWFG had a positive cash flow from operations.
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.
1.2 Ratios
BWFG has a worse Return On Assets (0.51%) than 75.76% of its industry peers.
BWFG's Return On Equity of 5.91% is on the low side compared to the rest of the industry. BWFG is outperformed by 70.96% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 14.72%, BWFG is not doing good in the industry: 75.76% of the companies in the same industry are doing better.
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 Rank | Sector 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
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.
The debt/assets ratio for BWFG has been reduced compared to a year ago.
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: 62.12% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.25 indicates that BWFG is not too dependend on debt financing.
The Debt to Equity ratio of BWFG (0.25) is worse than 65.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BWFG have decreased strongly by -59.11% in the last year.
The earnings per share for BWFG have been decreasing by -12.72% on average. This is quite bad
Looking at the last year, BWFG shows a quite strong growth in Revenue. The Revenue has grown by 17.25% 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)-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
The Earnings Per Share is expected to grow by 105.01% 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 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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 23.95, 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.
The average S&P500 Price/Earnings ratio is at 27.69. BWFG is around the same levels.
BWFG is valuated cheaply with a Price/Forward Earnings ratio of 7.58.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaper than 85.10% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.36, BWFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.95 | ||
| Fwd PE | 7.58 |
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 | 12.23 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
BWFG has a Yearly Dividend Yield of 2.11%.
BWFG's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, BWFG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
5.3 Sustainability
38.54% of the earnings are spent on dividend by BWFG. This is a low number and sustainable payout ratio.
The dividend of BWFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.54%
EPS Next 2Y105.01%
EPS Next 3YN/A
37.6
-0.41 (-1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.44%
Inst Owner Change0.15%
Ins Owners10.34%
Ins Owner Change3.46%
Market Cap295.91M
Analysts77.78
Price Target41.06 (9.2%)
Short Float %1.76%
Short Ratio7.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP38.54%
Div Incr Years0
Div Non Decr Years9
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.95 | ||
| Fwd PE | 7.58 | ||
| P/S | 2.68 | ||
| P/FCF | 12.23 | ||
| P/OCF | 11.92 | ||
| P/B | 1.08 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY4.18%
EPS(NY)4.96
Fwd EY13.19%
FCF(TTM)3.08
FCFY8.18%
OCF(TTM)3.16
OCFY8.39%
SpS14.05
BVpS34.97
TBVpS34.64
PEG (NY)0.1
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.34%
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%